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Massachusetts

D+28  ·  High tax burden  ·  COL index 148

C+

9%

Income Tax

338

Violent Crime / 100K

80

Life Expectancy

$580K

Median Home

$2,400

Childcare / Mo

State Profile

74/100
255075100TAXES55SAFETY66HEALTH100SCHOOLS100AFFORDABLE40LONGEVITY83

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Taxes

Income Tax

5% standard + 4% surtax on income over $1M

9% top

Property Tax

~$6,032/yr on median home

1.04% / yr

Sales Tax

6.25% avg

Social Security

Exempt

Pension / IRA

Partial

Estate Tax

Yes — $2M exemption

Inheritance Tax

None

Capital Gains

Long-term gains at 5%; short-term at 8.5%

5% rate

Housing & Cost of Living

Cost of Living Index

National avg = 100

148

Median Home Price

$580,000

Median Rent (2BR)

$2,400/mo

Home Insurance

Near national avg (~$1,900/yr)

$1,500/yr

Flood Insurance

$900/yr

Homestead Exemption

Home equity protected from creditors

$500,000

Asset Protection

Strong

Crime & Safety

Violent Crime Rate

Near national avg

338 / 100K

Property Crime Rate

Below national avg (~2,100)

1,283 / 100K

Traffic Fatality Rate

Among the safest

5.8 / 100K

Healthcare

State Healthcare Rank

Top tier

#1 of 50

Life Expectancy

Above national avg (76.4)

80 yrs

Medicaid Expansion

Expanded

Uninsured Rate

Well below national avg

3.1%

Education

K-12 Quality Rank

Top 10 nationally

#1 of 50

School Choice / Vouchers

Not Available

Childcare

Avg Infant Care (Full-Time)

Very expensive (national avg ~$1,200)

$2,400/mo

Utilities & Daily Costs

Avg Monthly Energy Bill

$195/mo

Avg Monthly Groceries

2-person household, moderate spending

$680/mo

Road Quality Rank

#42 of 50

Airports & Travel

Nonstop Destinations

From state's primary airport

135+ routes

Major Hub Airport

Top-25 US airport by passengers

Yes

Culture & Lifestyle

Urban Population

Highly urban — big city feel

92% urban

Restaurant Density

560/100K

Religious Congregations

150/100K

Pro Sports Teams

NFL + NBA + MLB + NHL + MLS

6 teams

Major Venues

Stadiums, arenas, amphitheaters (10K+ capacity)

8 venues

Craft Breweries

3.8/100K residents — Solid scene

265 breweries

Craft Distilleries

Strong spirits scene

55 distilleries

Live Music

Boston music heritage (Aerosmith, Pixies, Dropkick Murphys); Boston Calling; Tremont Street Crawl

Strong

Transportation

Car Insurance (Avg Annual)

$1,490

Traffic Fatality Rate

5.8 / 100K

Broadband Access

93% of households

Social & Legal

Abortion Access

Legal to viability; strong state law

Protected

LGBTQ+ Protections

Comprehensive

Marijuana

Recreational

Minimum Wage

$15/hr

Right to Work

No

Sports Betting

Legal

Casino Gambling

Commercial casinos

Online Gambling

Illegal

State Lottery

MGM Springfield, Encore Boston Harbor. Sports betting launched 2023. Very active lottery (one of highest per-capita revenues).

Yes

Age of Consent

16

Sex Education

No state sex ed mandate

Comprehensive

Medically Accurate Required

Yes

Nude Beaches & Naturist Clubs

Sandy Terraces (Hanson) · Berkshire Vista (Hancock)

Clubs only

Environment & Climate

Air Quality (Annual AQI)

Near national avg

30

Natural Disaster Risk

Moderate

Primary Hazards

hurricaneblizzardnor-easter

Politics & Gun Laws

2024 Presidential Vote

D+28

Gun Laws

Gun ControlA
2A LibertyF

Carry Permit

May-issue

Purchase Permit Required

Yes

Gambling

Legal

Jobs & Economy

Job Market

+1.4% job growth · 3.7% unemployment

Strong

Top Industries

BiotechFinanceEducation

Tech Jobs

Top tech job market nationally

#3 of 50

Healthcare Jobs

Top healthcare job market

#4 of 50

Remote Work

High remote work culture

30% of workers

Median Household Income

$96,505

Business Climate

Corporate Income Tax

High corporate rate — plan entity structure carefully

8%

LLC Formation Fee

$500 one-time

LLC Annual Fee

$500/yr

Business Climate Rank

#34 of 50

Daily Life

Gas Price (Regular)

Near avg (+0.04 vs national avg)

$3.34/gal

Consumer Fireworks

All consumer fireworks banned statewide — sparklers included

Banned

Weather & Natural Risks

Winter Severity

Avg January high: 36°F

Moderate

Summer Heat

Moderate summers

82°F avg July

Annual Rainfall

47" / yr

Tornado Risk

Very Low

Hurricane Risk

Low

Wildfire Risk

Very Low

Flood Risk

Low

Natural Hazards

27LOW danger
EEE zone (100% fatality rate)Lyme disease capitalNor'easter blizzards

Venomous Snakes

Low

Spider Hazard

Low

Hurricane Risk

Moderate

Tornado Risk

Low

Wildfire Risk

Low

Earthquake Risk

Low

Danger score is a composite index. Methodology ↗

Veteran Benefits

Veteran-Friendly Score

4.8% of state population are veterans

76/100

Property Tax Exemption

Disabled vet property tax exemption

Partial

Military Retirement Pay

Tax Exempt

Active Duty Pay

Tax Exempt

VA Facilities Access

Good

Notable Benefits

Military retirement fully exempt

Explore Massachusetts counties

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Compare Similar States

MA vs CA

Massachusetts vs California

COL 148 vs 142 · 9% vs 13.3% income tax

Full comparison →

MA vs NY

Massachusetts vs New York

COL 148 vs 139 · 9% vs 10.9% income tax

Full comparison →

Trending in Massachusetts

Governor Healey Proclaims June 2026 National Aphasia Awareness Month in Massachusetts - Boston University

Boston University · Jun 8

Prop. 2-1/2 override explained: Why 54 Massachusetts towns want higher taxes - Western Mass News

Western Mass News · Jun 8

Could Massachusetts Get Rent Control Back After a 32-Year Ban? - Shelterforce

Shelterforce · Jun 5

Mass. loosens alcohol laws temporarily this summer - NBC Boston

NBC Boston · Jun 8

More than 1,100 free World Cup tickets set aside for Massachusetts kids - WCVB

WCVB · Jun 8

What Residents Say

Cost of living in Massachusetts ... : r/boston

Consider that after taxes you'll have ~$90k ($7.5k/month) of disposable income and rent will be in the $3.5-4k/month range (on the low end) and ......

reddit.com ↗

For those moving to higher tax states...

Housing and taxes cost more, but we have universal free meals for kids in school, tons of free activities and programs for the elderly, disabled ......

reddit.com ↗

Moving to MA : r/massachusetts

MA has slightly higher sales tax than VA, but there's no tax on groceries or clothes, up to a certain $$ amount per item. If you end up living ......

reddit.com ↗

Move to Massachusetts from Texas a good idea or not?

I'm 68(f) and my husband is 79(m). He was diagnosed with Alzheimer's in 2017 and had a stroke in 2019. I've been paying all the bills since 2017 when he ......

reddit.com ↗

What are the cost of living in Massachusetts?

I am Austrian and am considering moving to the USA for a few years to work and gain experience abroad. I am particularly drawn to New England. For example, ......

reddit.com ↗

Cost of living compared to NYC : r/boston

The “luxury” 1/1s in nice areas in Boston are 3.5-4.5k. Those equivalent in NYC are all 5.5-6k per month. Every tax is higher in NYC which has ......

reddit.com ↗

Moving to Newton - Family of 5 expenses : r/newtonma

Massachusetts state income tax is a flat 5%. You'll have some other taxes taken out of your paycheck but the federal and state income taxes are ......

reddit.com ↗

Odd request- cons list for living in MA : r/massachusetts

The cost of housing is about the same, gas prices are SO much cheaper, and state tax (plus sales tax) is lower. You get all four seasons instead ......

reddit.com ↗

Going to Massachusetts : r/moving

The state income tax does suck. However, you (1) have better access to deductions like moving expenses and rent which can bring down your tax ......

reddit.com ↗

Moving to Massachusetts or Virginia? : r/relocating

Hello! My husband and I are considering a move in June to either Virginia or Massachusetts, I don’t know much about Mass- but I have been to Virginia ......

reddit.com ↗

Stay Current

Get notified when Massachusetts tax laws, gun laws, or social policy changes.

Data is informational only. Verify with a tax professional, real estate agent, and local sources before making relocation decisions. Crime data: FBI UCR ~2022. Healthcare: Commonwealth Fund / US News ~2023. Education: Education Week ~2023. Housing: Zillow / Census ACS ~2024. Insurance: rate surveys ~2024. Sponsored links marked “Sponsored” may earn a commission. This does not affect our data or rankings.

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Quick Profiles

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Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable