Cost of Living: New York, NY vs Springfield, MA (2026)

New York

New York
166
VS

Springfield

Massachusetts
79

New York is 110% more expensive than Springfield.

$1,779/mo ↑ 60%
Median Rent
$1,114/mo ↓ 37%
$79,713/yr ↑ 55%
Median Income
$51,339/yr ↓ 36%
$751,700 ↑ 238%
Home Value
$222,700 ↓ 70%
$1,837/mo ↑ 44%
Owner Costs
$1,276/mo ↓ 31%
8,516,202
Population
154,751

Tax Comparison

10.9%
Income Tax
9.0%
4.0%
State Sales Tax
6.25%
1.62%
Property Tax
1.15%

Affordability

26.8%
rent-to-income
Affordability
26.0%
rent-to-income

Detailed Comparison

When comparing New York, NY and Springfield, MA, the overall cost of living indices are 166 and 79 respectively (national median = 100). Rent is $665/month cheaper in Springfield, saving renters about $7,980/year.

Median household income is $28,374/year higher in New York. Home values also differ significantly — the median in New York is $751,700 compared to $222,700 in Springfield.

Massachusetts has a lower income tax rate, making Springfield slightly more tax-friendly.

Frequently Asked Questions

New York vs Springfield — common questions

Is New York or Springfield cheaper to live in?
Based on our cost index, Springfield is cheaper to live in with an index of 79 compared to 166 (US average = 100).
What is the rent difference between New York and Springfield?
Median rent in New York is $1,779/month and in Springfield it's $1,114/month — a difference of $665/month.
Which city has higher income, New York or Springfield?
Median household income is $79,713 in New York and $51,339 in Springfield. Median household income is $28,374/year higher in New York.
How do taxes compare between New York and Massachusetts?
New York has 10.9% income tax, 4.0% sales tax, and 1.62% property tax. Massachusetts has 9.0% income tax, 6.25% sales tax, and 1.15% property tax.
Should I move to New York or Springfield?
It depends on your priorities. New York has a cost index of 166 with median rent of $1,779/mo, while Springfield has a cost index of 79 with rent of $1,114/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View New York details → View Springfield details →

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