West Springfield, MA

Below Avg · 89

Massachusetts · Population 28,635 · Updated March 2026

$1,121
Median Rent / Month
$70,401
Median Income
$307,900
Median Home Value
$1,307
Owner Costs / Month

Affordability

How far your income goes in West Springfield

19.1%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Massachusetts

State-level tax rates that affect your costs

9.0%
Income Tax (Top Rate)
6.25%
Sales Tax
1.15%
Property Tax Rate

Estimated Annual Costs

$13,452
Annual Rent
$6,336
State Income Tax
$3,541
Property Tax (est.)

Cost of Living Overview

West Springfield offers a below-average cost of living, giving residents more purchasing power compared to many US cities. With a cost index of 89 (where 100 equals the national median), West Springfield residents can expect to pay median rent of $1,121/month while earning a median household income of $70,401/year.

The median home value in West Springfield, MA is $307,900, with typical monthly owner costs around $1,307 including mortgage, insurance, and taxes. The median rent-to-income ratio of 19.1% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Massachusetts's top income tax rate of 9.0% is among the highest in the nation, adding to the overall cost burden. Combined with a 6.25% sales tax rate and 1.15% effective property tax rate, the overall tax environment is a factor in the total cost of living in West Springfield.

Frequently Asked Questions

Common questions about living costs in West Springfield

What is the cost of living in West Springfield, MA?
The cost of living index in West Springfield, MA is 89 (US average = 100). Median monthly rent is $1,121, median household income is $70,401/year, and the median home value is $307,900.
Is West Springfield, MA affordable?
Yes, West Springfield is more affordable than the national average with a cost index of 89. The rent-to-income ratio is 19.1%—below the 30%% threshold considered affordable by HUD.
What is the average rent in West Springfield, MA?
The median gross rent in West Springfield, MA is $1,121 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $13,452.
What is the median household income in West Springfield?
The median household income in West Springfield, MA is $70,401 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Massachusetts?
Massachusetts has a top income tax rate of 9.0%, a sales tax of 6.25%, and an effective property tax rate of 1.15%.