5 Best Affordable Places to Live in Massachusetts in 2025

March 17, 2025

5 minutes

Although the state’s cost of living is 46% above the national average, your dream home might be closer than you think. While Boston’s prices soar, there are hidden gems where you can live well without financial stress.

What if you could own a home without the crushing mortgage or rent, without feeling trapped by rising costs? It’s not just a dream; it’s possible if you know where to look.

We reveal 5 of the most affordable places to live in Massachusetts. Plus, see how Realpha can help you save thousands in homebuyer commissions. Let’s get started!

5 Most Affordable Places to Live in Massachusetts

We considered factors like home prices, rent, and the cost of living to provide you with a comprehensive list of affordable cities in Massachusetts.

#1 North Adams – Low Housing Costs & Small-Town Charm

North Adams is a gem in the Berkshires, offering a cost of living that is 23% lower than the Massachusetts average. The median home price in North Adams is $239,000, with a significant 64.8% increase from the previous year. Average monthly rental costs are about 37% lower than the national average. These low costs made North Adams one of the most affordable cities in Massachusetts.

North Adams is known for its small-town charm, cultural attractions like the Massachusetts Museum of Contemporary Art (MASS MoCA), and outdoor activities. The local economy is strong with emerging sectors, tourism and the arts.

#2 Springfield – Affordable Living in a Thriving City

Springfield, the third-largest city in Massachusetts, combines urban amenities with affordability. The median home value stands at $299,900, with average monthly rents around $1,205. The cost of living is approximately 3.8% lower than the national average, providing residents with economic relief.

Springfield also known as "City of Firsts," has a rich history and various cultural spots. It also boasts parks and recreational facilities, making it a lively place to live.

#3 Pittsfield – Budget-Friendly Homes in the Berkshires

Pittsfield, located in the heart of the Berkshires, provides a mix of affordability and natural beauty. The median home value is approximately $269,750, with average monthly rents around $1,450.

Pittsfield offers a 30% lower cost of living compared to other parts of the state, making it one of the cheapest cities to live in Massachusetts. Its vibrant arts scene, historic sites, and access to outdoor activities provide residents with a high quality of life amidst scenic surroundings.

#4 Chicopee – Suburban Comfort at a Low Cost

Chicopee, situated in western Massachusetts, offers suburban living with affordable housing options. The median home value is around $295,000, with an average monthly rent of about $1,449. The cost of living is about 17% lower than the state average, easing financial burdens for residents.

Chicopee provides easy access to Springfield and other major cities, making it a great choice for commuters. The city has a strong sense of community, with local parks and recreational facilities. Its proximity to major employers in healthcare and education also contributes to its appeal.

#5 Holyoke – A Hidden Gem for Affordable Housing

Holyoke, often overlooked, presents a compelling case for affordable living. The median home value is approximately $269,000, with average monthly rents around $1,011. Holyoke is transitioning from a seller's market to a more neutral market, which can offer buyers more negotiating power. The cost of living is about 19% lower than the state average, offering residents economic advantages.

Moreover, the city is known for its vibrant arts scene and historic architecture. Holyoke is also home to the Holyoke Mall at Ingleside, a major shopping destination, and has seen investments in downtown revitalization.

Living in Massachusetts offers a rich blend of history, culture, and economic opportunities. Despite these affordable cities, Massachusetts consistently ranks among the more expensive states to live in the U.S.

Is Massachusetts Expensive to Live In? Let’s Compare

Massachusetts consistently ranks among the more expensive states to live in the U.S. Here's how::

National Comparison: The median home price in the state is $623,400, up by 8.8% from the previous year. The state's cost of living is approximately 46% higher than the national average, driven by elevated housing, utilities, and healthcare costs.

Regional Comparison: Within New England, Massachusetts' tax burden is relatively moderate, ranking 20th nationally at 8.48%. However, neighboring states like Maine (11.14%) and Vermont (10.28%) have higher overall tax burdens, while New Hampshire's is notably lower at 6.14%.

Despite these challenges, Massachusetts boasts a high per capita personal income of $86,725, reflecting its robust economy and opportunities.

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Find Affordable Housing in Massachusetts – Top Tips

Securing affordable housing in Massachusetts requires strategic planning:

Expand Your Search Radius: Consider suburbs or smaller cities like Pittsfield or Chicopee, which offer more affordable housing options compared to major urban centers.
Utilize First-Time Homebuyer Programs: The Massachusetts Housing Partnership offers programs that provide down payment assistance and favorable loan terms to eligible buyers.
Explore State Assistance Programs: Programs like MassHousing provide affordable mortgage options and assistance for qualifying individuals and families.
Leverage Technology: Utilize commission-free platforms like Realpha to save 3% buyer-side commission and receive personalized property recommendations.

Conclusion: Ready To Move To Massachusetts in 2025?

Finding an affordable home in Massachusetts may seem challenging, but with the right resources, it’s possible. Whether you’re drawn to the charm of North Adams, the urban energy of Springfield, or the quiet affordability of Pittsfield, you have ample budget-friendly options.

Start your home search today with Realpha, an AI-powered, commission-free platform that saves you money on buyer commission. Browse the latest affordable listings and get real-time insights. Let Realpha’s 24/7 AI real estate agent help you through the buying process.

FAQs

1. What’s the cheapest city to live in Massachusetts?

Springfield is one of the most affordable cities, with a median home price of around $299,900 and lower-than-average living costs. It offers urban amenities without Boston’s high price tag.

2. What are the most affordable towns in Massachusetts?

Towns like North Adams, Pittsfield, Chicopee, and Holyoke offer lower home prices, affordable rents, and a lower cost of living compared to the state average, making them great choices for budget-conscious residents.

3. Where can I find affordable housing in Massachusetts?

Look in Western Massachusetts and smaller cities like Pittsfield, Springfield, and North Adams. Using platforms like Realpha can help you find the best deals and save on buyer commissions.