Is $45,000 a good salary in Massachusetts?

$45,000 in Massachusetts provides a monthly take-home of approximately $3,001 after taxes. Across major Massachusetts cities, this salary is rated very tight, with an average monthly surplus of $-338.

What is the cost of living on $45,000 in Massachusetts?

The average monthly living cost across major Massachusetts cities is approximately $3,339 for a single adult (rent, food, transport, utilities, healthcare). On $45,000 take-home pay of $3,001/month, you would have roughly $-338/month remaining.

Living in Massachusetts · 2026

Is $45,000 enough to live in Massachusetts?

Single adult · MA · 2026 tax brackets · Real cost-of-living data

Statewide verdict:Very tight

Monthly take-home

$3,001

Avg monthly expenses

$3,339

Avg monthly surplus

$-338

Savings potential

~0%

After-tax take-home in Massachusetts

Gross salary$45,000

Federal income tax− $3,294

State income tax− $2,250

Social Security− $2,790

Medicare− $653

Annual take-home$36,013

Effective tax rate19.97%

How $45,000 feels in Massachusetts cities

Rent: HUD FMR 2026 · Food: USDA Low-Cost Plan × COL · Transport/Utilities/Healthcare: BLS CES × COL

Boston

COL index: 1.93× national avg

Not recommended

Rent (1BR)

$2,900

Food

$682

Transport

$338

Utilities

$318

Healthcare

$386

Total: $4,624/mo

Surplus: $-1,623/mo

Rent burden: 96.6% — Unaffordable (> 50%)

Full Boston analysis →

Worcester

COL index: 1.28× national avg

Very tight

Rent (1BR)

$1,800

Food

$550

Transport

$224

Utilities

$211

Healthcare

$256

Total: $3,041/mo

Surplus: $-40/mo

Rent burden: 60.0% — Unaffordable (> 50%)

Full Worcester analysis →

Springfield

COL index: 0.88× national avg

Comfortable

Rent (1BR)

$1,000

Food

$396

Transport

$154

Utilities

$145

Healthcare

$176

Total: $1,871/mo

Surplus: $1,130/mo

Rent burden: 33.3% — Manageable (25–35%)

Full Springfield analysis →

Cambridge

COL index: 1.93× national avg

Not recommended

Rent (1BR)

$3,100

Food

$726

Transport

$338

Utilities

$318

Healthcare

$386

Total: $4,868/mo

Surplus: $-1,867/mo

Rent burden: 103.3% — Unaffordable (> 50%)

Full Cambridge analysis →

Lowell

COL index: 1.23× national avg

Manageable

Rent (1BR)

$1,700

Food

$519

Transport

$215

Utilities

$203

Healthcare

$246

Total: $2,883/mo

Surplus: $118/mo

Rent burden: 56.6% — Unaffordable (> 50%)

Full Lowell analysis →

Brockton

COL index: 1.18× national avg

Manageable

Rent (1BR)

$1,600

Food

$506

Transport

$207

Utilities

$195

Healthcare

$236

Total: $2,744/mo

Surplus: $257/mo

Rent burden: 53.3% — Unaffordable (> 50%)

Full Brockton analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $3,001 ($36,012/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$1,501

per month

›Rent / mortgage
›Groceries
›Utilities
›Insurance
›Minimum debt payments
›Transportation

Wants30%

$900

per month

›Dining out
›Streaming services
›Gym
›Hobbies
›Travel
›Shopping

Savings20%

$600

per month

›Emergency fund
›401(k) / IRA
›Investments
›Down payment fund
›Debt payoff (extra)

Needs / year

$18,006

Wants / year

$10,804

Savings / year

$7,202

Salary Intelligence

Financial pressure in Boston

Rent alone would take 97% of take-home income. This salary creates significant financial pressure in this city — a $116,000 annual income or lower rent is needed to reach affordability.

Lifestyle score: 0.1/10 (Difficult)

Lifestyle Assessment

A $45,000 salary does not fully cover typical living expenses for a single adult in Boston, Massachusetts. Monthly costs exceed take-home pay by $1,623, indicating this income is insufficient for an independent lifestyle here without additional income or reduced spending.

Purchasing Power

Boston's above-average cost of living (index: 1.93) means $45,000 provides the purchasing power of roughly $23,316 in an average-cost US city, or $27,513 in Austin. Moving to a lower-cost state could effectively increase your take-home by thousands.

State & National Benchmark

$45,000 is 21% below the Massachusetts individual median of $57,200. Consider negotiating a higher salary or exploring higher-paying roles in this state.

State individual median

$57,200

-21%

State household median

$96,505

-53%

Tax reduction strategies

Maximize 401(k) Contributions — Up to $5,170 in federal tax (22% bracket)

Contribute to a Traditional IRA — Up to $1,540 in federal tax (22% bracket)

$45,000 vs. Massachusetts income benchmarks

Individual median (Massachusetts)

$57,200

-21% vs. this salary

Household median (Massachusetts)

$96,505

-53% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Massachusetts

$40,000 $60,000 $100,000 $150,000 $200,000 $300,000

Reviewed by

Finance Editor

CPA, 10+ years in personal finance

Data Sources

•Tax calculations: IRS federal tax tables
•Rent data: HUD Fair Market Rents
•Cost-of-living index: C2ER / ACCRA Cost of Living Index

Data updated monthly using government datasets.