Massachusetts is one of the most beautiful and opportunity-filled states in the country—but it also comes with one of the highest costs of living. From rent to groceries to transportation, the numbers add up fast. And while many people talk about “getting by,” not enough people talk about what it actually takes to feel comfortable here.

Here’s my honest take based on real experience and what everyday life actually looks like in this state.

The Real Cost of Comfort

To live comfortably in Massachusetts—not scraping by, not stressed every bill cycle, but actually having breathing room—you’re realistically looking at an income of $175,000 to $190,000 a year.

That number may seem high, but let’s break down why it makes sense.

1. Rent Alone Can Drain You

Massachusetts rent is no joke.

In many cities, especially places like Boston, Cambridge, and Somerville, a one-bedroom apartment can easily run from $2,500 to $3,500+ a month. Even in surrounding areas, prices stay steep.

For anyone who wants a safe area, easy transportation, or enough space to live without feeling cramped, rent eats a major chunk of your yearly income.

2. Food Is Expensive—Everywhere

Grocery prices in Massachusetts sit above the national average.

A simple grocery run feels like a luxury, and eating out can get even worse. With food inflation staying high and supply costs rising, feeding yourself (let alone a family) can become a weekly financial battle.

3. Everyday Life Costs More Here

Transportation, parking, utilities, health insurance, phone bills, and even small errands all come at a premium.

Massachusetts is a hardworking state, but it’s also an expensive one—meaning the cost of just functioning day-to-day is higher.

4. Comfort Means More Than Survival

Living comfortably means:

Not stressing every paycheck Being able to save Having money for emergencies Enjoying life a little Taking care of yourself and your home Not relying on credit cards just to stay afloat

That requires more than survival-level income.

The Bottom Line

If you want to be comfortable—not barely hanging on—you’re realistically looking at an income of $175K–$190K a year in Massachusetts. It’s a high bar, but it reflects the reality of living in one of the most expensive states in the country.

This isn’t to scare people—it’s to bring real awareness.

People deserve to know the truth about what it costs to build a life here, plan their future, and create stability.

If you’re navigating Massachusetts right now, grinding every day, or trying to figure out what comfort looks like—this is the real picture. And it’s a conversation more people need to be having.