Research / Most affordable ZIP codes
Most affordable ZIP codes in Massachusetts
Ranked by the SkaldMaps Cost of Living Index, lowest first. 100 is about the national level; lower values indicate lower estimated costs.
How we rank lowest cost of living
The Cost of Living Index combines the local cost of everyday goods and services with the estimated cost of owning a typical listed home, including mortgage payments, property taxes, insurance, and maintenance. These measures are combined and compared with a national baseline.
100 is about the national level. Below 100, a homebuyer's money goes further; above 100, it goes less far.
It reflects homes for sale today, not what current owners pay, so it needs listing data: ZIPs without enough listings are not ranked. It does not include income, so a low index does not mean local wages cover local costs.
Only ZIPs with at least 1,000 residents are ranked, so a handful of households cannot top the list. 455 Massachusetts ZIPs qualify.
Massachusetts ZIP codes ranked by lowest cost of living
1ZIP 01103Springfield
Massachusetts
- Cost of living index
- 70.2
- ZIP population
- ~2k
- Avg. temperature
- 50°F
- Avg. commute
- 15 min
2ZIP 01022Chicopee
Massachusetts
- Cost of living index
- 83.1
- ZIP population
- ~2k
- Avg. temperature
- 51°F
- Avg. commute
- 19 min
3ZIP 01011Chester
Massachusetts
- Cost of living index
- 83.2
- ZIP population
- ~1k
- Avg. temperature
- 48°F
- Avg. commute
- 30 min
4ZIP 01608Worcester
Massachusetts
- Cost of living index
- 83.9
- ZIP population
- ~5k
- Avg. temperature
- 49°F
- Avg. commute
- 22 min
5ZIP 01220Adams
Massachusetts
- Cost of living index
- 90.1
- ZIP population
- ~8k
- Avg. temperature
- 47°F
- Avg. commute
- 24 min
6ZIP 01104Springfield
Massachusetts
- Cost of living index
- 90.4
- ZIP population
- ~23k
- Avg. temperature
- 50°F
- Avg. commute
- 17 min
| Rank | ZIP | City | County | Cost of living index |
|---|---|---|---|---|
| #7 | 01109 | Springfield | Hampden County | 90.6 |
| #8 | 01247 | North Adams | Berkshire County | 91.0 |
| #9 | 01001 | Agawam | Hampden County | 91.7 |
| #10 | 01840 | Lawrence | Essex County | 92.1 |
| #11 | 01119 | Springfield | Hampden County | 92.4 |
| #12 | 01013 | Chicopee | Hampden County | 92.5 |
| #13 | 01105 | Springfield | Hampden County | 92.5 |
| #14 | 01040 | Holyoke | Hampden County | 92.8 |
| #15 | 01225 | Cheshire | Berkshire County | 93.2 |
| #16 | 01344 | Erving | Franklin County | 93.3 |
| #17 | 01026 | Cummington | Hampshire County | 93.6 |
| #18 | 01020 | Chicopee | Hampden County | 93.8 |
| #19 | 01118 | Springfield | Hampden County | 94.0 |
| #20 | 01151 | Springfield | Hampden County | 94.0 |
| #21 | 01050 | Huntington | Hampshire County | 94.6 |
| #22 | 01108 | Springfield | Hampden County | 94.7 |
| #23 | 01201 | Pittsfield | Berkshire County | 95.1 |
| #24 | 01129 | Springfield | Hampden County | 96.5 |
| #25 | 01080 | Palmer | Hampden County | 96.9 |
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More Massachusetts research
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- Massachusetts median ZIP
- 50.0
- Middle 80% of ZIPs
- 34.0 to 69.8
ZIP codes with the shortest commutes
Ranked by mean commute
- Massachusetts median ZIP
- 29.0 min
- Middle 80% of ZIPs
- 21.0 min to 35.3 min
Best healthcare access
Ranked by healthcare access score
- Massachusetts median ZIP
- 95.9
- Middle 80% of ZIPs
- 91.2 to 99.2
Best broadband coverage
Ranked by households with broadband
- Massachusetts median ZIP
- 94.2%
- Middle 80% of ZIPs
- 87.8% to 98.1%
Warmest ZIP codes
Ranked by avg. temperature
- Massachusetts median ZIP
- 50.0°F
- Middle 80% of ZIPs
- 48.0°F to 51.2°F