12 Pros and Cons of Living in Massachusetts

As one of the first original colonies in the U.S, Massachusetts holds a rich history and culture. Have you dabbled in the idea of living in Boston? Imagine cheering on the Boston Red Sox at Fenway Park, singing Sweet Caroline at the top of your lungs, or wandering through the streets of historic brownstones – you’ll find something to love. And if you’re wondering if Massachusetts is a good place to live, we’ve curated ten pros and cons of living in Massachusetts to give you an idea of what to expect. So whether you’re moving into an apartment in Cambridge or looking for homes for sale in Westford, read on for the pros and cons of living in Massachusetts.

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Quick Facts about Massachusetts

Is Massachusetts a good place to live?

Massachusetts can be a great place to live, but it depends on what you’re looking for. If you’re into history, culture, and education, you’re in the right place. Boston is a bustling hub, with plenty of job opportunities in tech, healthcare, and finance, and you’ll find top-notch schools and universities all around. The job market is strong, and the state’s high median income reflects that. Massachusetts also offers easy access to outdoor activities like hiking, skiing, and the coast, all within a few hours.

That said, there are a few trade-offs. The cost of living is high, especially in and around Boston, where housing costs and rent can put a serious dent in your budget. Taxes are on the higher side too, and the cold winters can be a tough adjustment for some. If you’re okay with a more competitive environment, and you prioritize things like education and career growth, then Massachusetts could be a great fit. But if you’re seeking a more affordable lifestyle or milder weather, you may want to explore other options

What is living in Massachusetts like?

• Fast-paced, driven culture: People are direct, hardworking, and proud of their state — it can feel intense, but also motivating.
• Sports culture runs deep: Whether it’s cheering for the Red Sox, Patriots, or Celtics, local pride for Boston’s teams is intense, and you’ll quickly feel part of the community when you join the sports conversations at the bar or in the office.
• Strong sense of history and tradition: Massachusetts is rich in history, and you’ll feel that in the air. Whether it’s walking the Freedom Trail in Boston or visiting the many colonial landmarks, there’s a tangible connection to the past.
• Urban and rural balance: Massachusetts strikes a balance between the hustle of Boston’s city life and the tranquility of rural towns, offering both career opportunities and a peaceful escape, all within close reach.
• Fresh, local food scene: With a thriving food scene, there’s an abundance of locally-sourced ingredients, seafood, and farm-to-table restaurants, especially in coastal areas and farmers’ markets. New England specialties, like clam chowder and lobster rolls, are staples of the culinary landscape.

1. Pro: There’s beautiful scenery all over Massachusetts

From the gorgeous views from the Taconic Mountains to the coastlines of Cape Cod, the Bay State has plenty of stunning scenery. Take a day trip to the beaches and cliffs in Martha’s Vineyard, or walk through Boston Common, the oldest public park in America. If it’s the fall season, plan a drive around the state to see amazing views of the fall foliage. If you want even more spaces to explore, check out these seven beautiful places in Boston. 

2. Con: Some areas may feel crowded

Despite being the seventh smallest state in the U.S., Massachusetts is the third most densely populated state in the country. You can find students, young professionals, and suburban families filling college cities. In addition to its residents, Massachusetts receives thousands of tourists yearly, which can crowd certain attractions.

3. Pro: Massachusetts is full of history and culture 

As an original colony, Massachusetts is home to many famous sites. History buffs will thrive in this state, from the first public botanical gardens and the Boston Tea Party to the Mayflower and the first Thanksgiving feast. Discover historic cities through museums like The Plimoth Patuxet Museums in Plymouth or the Whaling Museum in Nantucket.

4. Con: Massachusetts has a high cost of living

The cost of living in Massachusetts, especially in and around Boston, can be expensive. The median home sale price in the state is $614,500, significantly higher than the national median of $425,000, with Boston’s median home sale price reaching a steep $858,000. But housing isn’t the only expense to consider. Grocery prices are about 15% higher than the national average, and utility costs, including electricity and heating, can add up, especially during the harsh winters. Healthcare costs also tend to be higher here, with premiums and out-of-pocket expenses increasing as you move into the more densely populated areas. While Massachusetts offers excellent services and amenities, the price tag on everyday expenses is a major consideration for those planning to call it home.

If you’re moving to Massachusetts on a budget, check out Boston’s most affordable suburbs or discover some of the affordable places to live in Massachusetts.

5. Pro: There’s a thriving job market

Massachusetts offers a solid job market, particularly in tech, healthcare, finance, and education. With its wealth of top universities and research institutions, the state attracts talent and fosters innovation. The median household income here is $89,645, the third-highest in the country, reflecting the strong earning potential across various sectors. Cities like Boston are hubs of opportunity, offering competitive salaries and a growing job market. If you’re looking for career growth, Massachusetts provides plenty of options and high earning potential.

6. Traffic and time-consuming commutes

Although Massachusetts offers a mix of public transportation, the options can be limited and inefficient for some areas. The MBTA, Boston’s primary transit system, serves the city well but is often overcrowded, delayed, and inconvenient for suburban residents, making getting around outside of city limits a hassle. Add in construction and detours, and commuting can be a daily test of patience.

7. Pro: Some of the best seafood in the U.S

Massachusetts is, of course, known for its history, but did you also know it has some of the best shellfish in the country? The Bay State has everything from oysters to lobster rolls, clam chowder, and more. Take a trip to the harbor and try freshly caught seafood off the coast, or explore a charming seaside town in Cape Cod and fall in love with the many seafood restaurants proudly named some of the best in the state.

8. Con: Taxes are high 

Massachusetts doesn’t shy away from taxes, and it’s something to consider if you’re thinking of moving here. The state has a flat income tax rate of 5%, but if you’re a high earner, watch out for a 4% surtax on income over $1 million. Property taxes aren’t a bargain either, sitting at 1.04% on average – higher than many other states. Add a 6.25% state sales tax, plus local sales taxes that can push the total higher, and your paycheck doesn’t stretch as far as it might in other states. While these taxes fund quality services, they can feel like a hit to your wallet, especially in an already expensive state.

9. Pro: The summers and fall in Massachusetts are magical 

The summers in Massachusetts are so lovely that many say they make up for the cold winters. With temperatures rarely above 90 degrees, you’ll find yourself enjoying the outdoors comfortably. As for the fall season, Massachusetts is known for its vibrant fall colors, attracting lots of visitors yearly. You will see temperatures ranging from 52-72 degrees Fahrenheit, a perfect transition to the winter. Enjoy drives through historic roads like Mohawk Trail, or explore towns known for their fall foliage like Amherst to see how vibrant this state can get.

10. Con: Prepare yourself for harsh winters

With temperatures dipping below freezing in December and January and about 60 inches of snowfall per year, you’ll want to prepare your home for winter if you live in Boston.  While the state does experience harsh winters, the snow brings excellent outdoor activities for all adventurers. Go skiing at the Blue Hills Ski Area or snowshoe at Weston Ski Track; adventures await you. 

11. Pro: Great educational opportunities

You’ll find over 30 universities and colleges and top-performing K-12 programs throughout the state. A recent study found that Massachusetts has the best public schools in the country. From Ivy League like Harvard University, located in Cambridge, to other well-known colleges like Massachusetts Institute of Technology, Massachusetts offers excellent educational opportunities. 

12. Con: Competitive rental market 

As for any densely populated area, housing can be competitive, and in Massachusetts, the rental market is known to be intense, especially in college towns. In these cities, you’ll find more owner-occupied homes rather than apartment complexes, and with many colleges starting around the same time, demand is high, leading to higher costs. So if you’re planning on moving into an apartment in a college town like Worcester, it’s best to start your search a couple of months ahead.

FAQs

Is it expensive to live in Massachusetts?

Yes, it’s pretty expensive to live here. Housing costs are significantly higher than the national average. According to a recent study, the income needed to afford a typical home in Massachusetts is $174,392 – the 4th highest in the country, just behind Washington D.C., Hawaii, and California. Other living expenses, like groceries, healthcare, and utilities, can also be pricier than in other states. However, the state’s high median income helps offset some of these costs (although it falls significantly below the income needed to purchase a typical home).

What are the best places to live in Massachusetts?

If you’re looking for a balance of city life and suburban peace, consider cities like Cambridge, Somerville, and Newton, all offering proximity to Boston but with a slightly more relaxed vibe. For a quieter, more rural experience, places like the Berkshires or Cape Cod offer scenic beauty and charm. Worcester and Springfield offer more affordable living options while still being well-connected. Of course, the best place to live depends on what you’re after.

Where should I live in Boston?

If you’re moving to Boston, there are a variety of great neighborhoods, each with its own unique character. For those seeking a vibrant urban lifestyle, neighborhoods like Back Bay and South End provide beautiful brownstones, trendy shops, and excellent restaurants. If you prefer a quieter environment, Brookline and Jamaica Plain are known for their leafy streets, good schools, and community feel. For those who love a mix of culture, history, and convenience, Beacon Hill and North End are iconic areas, though they come with higher price tags. Dorchester and Roxbury offer more affordable living options with diverse communities. The choice really depends on your budget, lifestyle, and preference for proximity to work or public transportation.

Check out the most walkable neighborhoods in Boston.

Is Massachusetts a good place to retire?

Massachusetts offers many attractive features for retirees, including a strong healthcare system, rich cultural amenities, and plenty of outdoor activities. However, the high cost of living, especially in housing, can be a deterrent for those on a fixed income.

Methodology: The population data is from the United States Census Bureau and the median home sale price and average rent is from the Redfin Data Center.

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