Massbuzzed Local Life Feature

Massachusetts is beautiful, historic, and full of opportunity — but let’s be real… it’s also expensive. Whether you’re new to the state or grew up here and are finally stepping into full independence, the question is:

What does it really take to live comfortably in the Bay State?

We break it down below.

🏠 The Apartment Game: 3x the Rent Rule

Most landlords in Massachusetts follow a standard rule:

👉 Your income needs to be at least 3x the monthly rent.

Example:

If your apartment is $2,000/month:

You need to earn $6,000/month (or $72,000/year) to qualify. You’ll usually pay first month + last month + security deposit to move in. That’s $2,000 x 3 = $6,000 just to get the keys.

Now add utilities, internet, and renter’s insurance and you’re at roughly $2,300–$2,500/month for basic living.

🍽️ Food Costs

Massachusetts isn’t the cheapest when it comes to groceries — especially in cities like Boston.

Groceries (1 person): ~$350–$500/month Dining out (modestly): ~$150–$300/month If you eat out often or use delivery apps, those numbers rise fast.

🚇 Transportation

You’ve got options — but it depends on where you live:

MBTA monthly pass (CharlieCard): ~$90/month Gas + car insurance: Easily $250–$400/month if you drive Parking in Boston? Painful. Some spots are $200–$400/month alone.

📱 Other Essentials

Phone bill: ~$50–$100/month Wi-Fi: ~$60/month Laundry (if not in-unit): ~$30–$60/month Health insurance: Depends — but expect $200–$400+ if you’re self-employed

🧠 Pro Tips to Stay Afloat in Mass:

Roommates are gold – splitting $2,800 rent with 2 people saves everyone’s sanity. Track your spending – you’d be surprised how fast small purchases drain your wallet. Side hustles help – delivery, content creation, or resale can offset your fixed costs. Budget for fun – live a little, but plan ahead. Mass has experiences worth investing in.

💰 The Real Monthly Breakdown (Solo, Moderate Living):

Category

Monthly Cost

Rent + Utilities

$2,300

Food & Groceries

$500

Transport

$100–$350

Essentials (Phone, Wi-Fi)

$150

Fun/Leisure

$200–$300

Total:

$3,200–$3,600/month

You’d need to earn about $75K–$90K/year just to breathe comfortably — and that’s without debt or luxury spending.

Final Word from Massbuzzed 💬

Massachusetts is no joke when it comes to cost of living — but with the right budget, side income, and strategy, you can make it work and live well. Know your numbers, stack your options, and don’t let the price tag scare you from building your life here.