Massachusetts is known for its rich history, top-tier education, and bustling urban centers, but it can also be one of the pricier states to live in. However, if you’re looking for an affordable place to settle down without sacrificing quality of life, several cities and towns across the state offer both reasonable living costs and plenty of charm. Here are some of the most affordable cities in Massachusetts that provide a balance of cost, amenities, and community.
1. Pittsfield
Nestled in the Berkshire Mountains, Pittsfield offers a small-town feel with a variety of cultural attractions, like theaters, museums, and outdoor activities. The median home price here is lower than the state average, making it a top pick for those seeking an affordable lifestyle with access to natural beauty and local arts. Whether you’re into hiking or catching a show at the Berkshire Museum, Pittsfield provides plenty for families and individuals alike.
- Median Home Price: $280,000
- Cost of Living: 12% lower than the state average
2. Fall River
Fall River, located in Bristol County, is another city with affordable living costs, particularly when it comes to housing. Known for its rich history and proximity to the water, this city offers an urban-suburban mix, with a thriving waterfront, local restaurants, and several parks. It’s also conveniently located near Providence, RI, and only a short drive from Boston.
- Median Home Price: $350,000
- Cost of Living: 8% lower than the state average
3. Chicopee
Chicopee, part of the Pioneer Valley, is known for its affordability and convenient access to both Springfield and the University of Massachusetts Amherst. With a strong sense of community, good public schools, and lower housing costs, Chicopee is a popular choice for families and young professionals. It’s also rich in history and offers plenty of recreational activities, including the scenic Chicopee River.
- Median Home Price: $290,000
- Cost of Living: 11% lower than the state average
4. New Bedford
Situated along the south coast, New Bedford is a historic seaport city with a vibrant arts scene, rich maritime heritage, and one of the country’s largest fishing ports. Despite its proximity to the coast, New Bedford remains one of the more affordable places to live in Massachusetts. With a strong emphasis on arts and culture, it’s ideal for those who want to enjoy coastal living at a fraction of the price found in other coastal towns.
- Median Home Price: $360,000
- Cost of Living: 9% lower than the state average
5. Gardner
Located in Worcester County, Gardner is known as the “Chair City” due to its history as a furniture manufacturing hub. Today, Gardner is a quiet, family-friendly town with low home prices and a strong sense of community. The area is surrounded by natural beauty, offering easy access to outdoor activities like hiking and fishing. Gardner’s affordable housing market and small-town charm make it an attractive option for homebuyers.
- Median Home Price: $275,000
- Cost of Living: 10% lower than the state average
6. Holyoke
Also located in the Pioneer Valley, Holyoke offers affordable housing and a unique blend of urban and rural living. The city is rich in history and is home to Holyoke Community College, numerous parks, and a beautiful downtown area that’s being revitalized with local businesses and art spaces. The cost of living in Holyoke is significantly lower than in nearby cities like Springfield, making it an excellent choice for budget-conscious residents.
- Median Home Price: $240,000
- Cost of Living: 13% lower than the state average
7. Leominster
Leominster is a bustling city in Worcester County that offers affordable living with the conveniences of suburban life. Known for its parks, schools, and family-friendly environment, Leominster is a great option for those looking to buy a home without stretching their budget. It’s also close to major highways, making commuting to Boston or Worcester easier for professionals.
- Median Home Price: $325,000
- Cost of Living: 7% lower than the state average
Why Choose an Affordable City in Massachusetts?
Massachusetts’ cost of living can vary greatly depending on the region. Living in one of these more affordable cities means you can enjoy everything the state has to offer—rich history, access to top-notch schools, and proximity to nature—without the steep costs associated with cities like Boston or Cambridge. Each of these cities provides a unique lifestyle while offering savings on housing, transportation, and daily living expenses.
If you’re looking to make the move, these cities can give you the best of both worlds: affordability and a high quality of life.
