Cost Of Living in Whitinsville, MA

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Whitinsville	Massachusetts	National
Cost of living	124	133	100
Goods & Services	115	122	100
Groceries	102	105	100
Health care	108	113	100
Housing	160	165	100
Transportation	93	118	100
Utilities	112	134	100

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Cost Of Living Quick Facts

The cost of living in Whitinsville is 7% lower than the Massachusetts average
The cost of living in Whitinsville is 24% higher than the national average
Whitinsville housing is 60% higher than the national average
Massachusetts general sales tax is 22% higher than the national average
Massachusetts state income tax is 93% higher than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$121,538	$10,128	$2,836	$3,647
Renters	$42,290	$3,524	$987	$1,269

The affordability of the housing market in Whitinsville, MA as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Whitinsville homeowners, the median income is $121,538. This indicates that a monthly maximum of $2,836 should be spent by homeowners on all housing related costs. Renters have a median income of $42,290. This indicates that renters would have a maximum of $987 for their rent related monthly costs.

Massachusetts Sales Tax

State	General Sales Tax	With Max Surtax
Massachusetts	6.25%	6.25%

Massachusetts Income Tax

State	Income Tax (Low)	Income Tax (High)
Massachusetts	5%	9%

Goods & Services

Item	Whitinsville	National avg.	Difference
Haircut	$31.50	$24.26	29.8%
Beauty Salon	$49.92	$45.56	9.6%
Toothpaste	$3.46	$3.70	6.5%
Shampoo	$1.43	$1.28	11.4%
Movie	$14.37	$12.13	18.4%
Bowling	$22.72	$18.00	26.2%

Groceries

Item	Whitinsville	National avg.	Difference
Ground Beef	$5.85	$5.84	0.2%
Fried Chicken	$1.43	$1.57	8.9%
Milk	$4.74	$4.67	1.4%
Potatoes	$5.00	$4.93	1.3%
Pizza	$11.59	$12.09	4.1%
Beer	$10.74	$10.41	3.1%

Health Care

Item	Whitinsville	National avg.	Difference
Optometrist	$104.45	$125.68	16.9%
Doctor	$169.83	$135.78	25.1%
Dentist	$130.28	$113.29	15.0%
Ibuprofen	$11.11	$10.65	4.3%
Lipitor	$369.37	$468.60	21.2%

Housing

Item	Whitinsville	National avg.	Difference
Home Price	$340,600.00	$184,700.00	84.4%
Avg. Mortgage Payment	$2,379.56	$2,346.69	1.4%
Apartment Rent	$980.00	$949.00	3.3%

Transportation

Item	Whitinsville	National avg.	Difference
Gasoline	$3.38	$3.46	2.5%
Tire Balancing	$48.20	$59.92	19.6%

Utilities

Item	Whitinsville	National avg.	Difference
All Electricity	$230.62	$193.99	18.9%
Phone	$195.18	$192.25	1.5%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
North Grosvenor Dale, CT	1,180	103	2.6%
Woonsocket, RI	41,616	107	6.6%
Putnam, CT	7,138	107	7.0%
Quinebaug, CT	1,266	107	7.4%
Webster, MA	11,719	110	9.8%
Whitinsville, MA	7,435	124	24.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Clarkston, WA	7,435	97	2.7%
Montpelier, VT	7,434	115	15.4%
Georgetown, DE	7,436	107	7.0%
Scappoose, OR	7,436	123	23.2%
Ellwood City, PA	7,436	89	11.5%
Whitinsville, MA	7,435	124	24.1%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Whitinsville, MA