Massachusetts is one of the most expensive states in America — and if you’re not making six figures or backed by generational wealth, you’re likely just barely getting by.

Let’s break down the reality:

A one-bedroom apartment in Boston? Expect to pay $2,300 to $3,200/month — if you’re lucky. A two-bedroom unit? Typically runs $2,800–$3,800, and that’s before utilities. Add first, last, and security — and you’re out $10,000+ just to move in. Home ownership? The median price is pushing $600K–$1M depending on the city or town. Groceries have surged too — milk, eggs, and fruit now cost 30–50% more than they did just two years ago. Gas is usually around $3.50–$4.00+ a gallon, and monthly train passes (MBTA)? Expect $90–$150, with no guarantee of reliability.

This isn’t just expensive — it’s unlivable for many. People are working multiple jobs, sharing apartments with strangers, and putting their lives on pause just to make rent.

The government says there’s a “housing demand,” but the truth is: there’s no shortage of places — just a shortage of affordable ones. Meanwhile, developers keep buying up property, raising prices, and reshaping neighborhoods through gentrification — making it nearly impossible for everyday people to stay afloat.

Massachusetts has world-class colleges, history, and opportunity. But for too many, it’s become financial survival mode. Whether you’re a student, a young professional, or trying to raise a family — it often feels like the cost of living here is built to push people out.

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