Most Affordable Places in Massachusetts

Places where housing and cost of living run below the pricier markets nearby -- with the real numbers, not a vague "affordable" label.

What this list weighs: Median home price and cost-of-living index thresholds, relative to national median.

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17 places in Massachusetts

Listed alphabetically, not ranked -- we don't have a defensible scoring methodology to rank these against each other yet, so we won't pretend to.

Brockton
Plymouth County

Best fits affordability-focused buyers seeking meaningfully lower housing costs than the Massachusetts statewide average while retaining a genuine, commuter-rail-based Boston connection; households specifically drawn to Brockton's real, celebrated boxing heritage and its genuine, current status as one of New England's most diverse communities; and buyers interested in the city's diversified healthcare-and-retail-anchored economy.

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Chelsea
Suffolk County

Best fits budget-conscious buyers and first-time homebuyers specifically prioritizing genuine Greater Boston affordability within this Massachusetts Tier B batch, alongside real Silver Line/Commuter Rail transit access and direct Logan Airport proximity; and movers genuinely drawn to Chelsea's real, substantial immigrant community and its distinct cultural and culinary identity.

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Chicopee
Hampden County

Best fits budget-conscious buyers and retirees specifically prioritizing Massachusetts's genuinely lower housing costs and Chicopee's real, dedicated senior-living infrastructure; military families and civilian employees connected to Westover Air Reserve Base's substantial, real regional presence; and families prioritizing a solidly above-median, genuinely diverse school district over Massachusetts's more expensive Greater Boston markets.

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Deerfield
Franklin County

Best fits affordability-minded movers relative to Greater Boston and coastal Massachusetts, anyone specifically drawn to Historic Deerfield's distinctive original-site colonial history, and families considering Deerfield Academy specifically, who have separately budgeted for the town's real, above-average property tax rate.

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Framingham
Middlesex County

Best fits affordability-focused buyers and first-time homebuyers drawn to Framingham's genuinely lower housing costs relative to Newton or Somerville; families and professionals with a specific career opportunity at one of Framingham's major local employers (Bose, Staples, TJX) or elsewhere in MetroWest; and commuters who want real, direct Commuter Rail or Turnpike access to both Boston and Worcester from one central location.

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Haverhill

Best fits buyers and remote workers specifically prioritizing genuine affordability within the Merrimack Valley relative to Greater Boston's Tier A/A+ markets, commuters willing to ride the Haverhill Line (which stands to benefit from the real, current double-track investment to its south), and movers drawn to Haverhill's genuine, dated mill-city civic identity and its real, growing population.

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Holyoke
Hampden County

Best fits budget-conscious buyers and retirees specifically prioritizing Massachusetts's genuinely lower housing costs and Holyoke's real, dedicated senior-living infrastructure, who have weighed the city's real, disclosed crime and economic-challenge data directly; and movers drawn to Holyoke's genuine, current revitalization story -- its cannabis-industry diversification, growing creative-arts sector, and 2025 schools-receivership exit -- who are comfortable being part of an honest, still-in-progress turnaround rather than a finished transformation.

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Lawrence
Essex County

Best fits affordability-focused buyers and first-time homebuyers drawn to Lawrence's genuinely low purchase prices and below-average property tax rate, commuters who can use the direct MBTA Haverhill Line rail connection to Boston, and anyone whose relocation research specifically involves Lawrence's large, established Hispanic/Latino community, its genuine immigrant-gateway identity, and its real, ongoing mill-district redevelopment story.

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Lowell
Middlesex County

Best fits affordability-focused buyers and first-time homebuyers seeking meaningfully lower housing costs than Massachusetts's statewide average while retaining a genuine, if commuter-rail-based, Boston connection; households specifically drawn to Lowell's real, distinctive dual heritage -- its Industrial Revolution history and its large, established Cambodian-American community; and UMass Lowell-affiliated students, faculty, and staff.

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New Bedford
Bristol County

Best fits affordability-focused buyers and first-time homebuyers seeking meaningfully lower housing costs and property tax bills than the Massachusetts statewide average; beach-and-waterfront-adjacent buyers drawn to New Bedford's real, working harbor and its smaller-scale beach access at Fort Taber Park and Clark's Cove; households specifically interested in New Bedford's genuine 19th-century whaling heritage and maritime museum culture; and commuters newly able to consider a South Coast Rail-based Boston commute for the first time in over 65 years.

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North Adams
Berkshire County

Best fits affordability-minded movers, artists, and remote workers genuinely drawn to North Adams's real MASS MoCA-anchored arts revitalization and its comparatively low housing cost relative to the rest of Massachusetts, and anyone connected to MCLA specifically.

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Pittsfield
Berkshire County

Best fits affordability-focused buyers and first-time homebuyers drawn to Pittsfield's genuinely below-statewide-average home values, mountain-and-outdoor-recreation-oriented movers drawn to the Berkshires setting, and households specifically interested in Pittsfield's real downtown arts-and-theater culture (Barrington Stage Company, the Colonial Theatre, and the Upstreet Cultural District's annual arts calendar) while budgeting honestly for the city's real, elevated property-tax rate.

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Plymouth
Plymouth County

Best fits movers drawn to Plymouth's real historic-tourism identity and coastal South Shore setting who want meaningfully more affordable housing than Greater Boston or Cape Cod without leaving the Boston commuting orbit entirely; retirees and families prioritizing a below-statewide-average home price and above-average schools; and beach-and-history-focused buyers comfortable with a genuinely car-dependent, spread-out town.

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Springfield
Hampden County

Best fits movers who specifically want substantial housing-cost savings relative to Greater Boston while staying within Massachusetts (and within regional-rail reach of Hartford, CT, Boston, and New York City via Union Station), first-time homebuyers for whom Springfield's own real affordability (over 75% of home sales cited as attainable to low- and moderate-income households) is a decisive factor, and remote workers who value Bradley International Airport's real, direct, multiple-times-daily Amtrak connection over needing to live inside Greater Boston's own genuinely high-cost, high-density core -- researching a specific target neighborhood and school assignment directly (see the best-areas and schools topic pages) rather than assuming either Springfield's real cultural/institutional strength or its real, disclosed economic and crime challenges apply uniformly citywide.

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Sturbridge
Worcester County

Best fits affordability-minded movers relative to Greater Boston and coastal Massachusetts, anyone specifically drawn to Sturbridge's distinctive Old Sturbridge Village identity and Central Massachusetts's interstate connectivity, and small-town-living-focused buyers willing to accept a real, above-average property tax rate as the tradeoff.

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Weymouth
Norfolk County

Best fits buyers and first-time homebuyers specifically prioritizing genuine affordability relative to Brookline's or Wellesley's markets elsewhere in this batch; retirees and older buyers drawn to Weymouth's genuinely above-average senior population share and its direct South Shore Hospital healthcare access; families willing to weigh Weymouth's more modest school ranking against its substantially lower housing cost; and buyers interested in the SouthField/Union Point redevelopment's new housing stock specifically.

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Worcester
Worcester County

Best fits movers who specifically want a genuine, more-affordable-than-Boston relocation within regular commuting reach of the city (a real, roughly 45-mile, 52-to-75-minute rail or drive to downtown Boston), who are drawn to a real, dense multi-university/biomedical job market and Worcester's own current, concentrated Canal District revitalization, and who are comfortable with genuinely appreciating -- not bargain -- housing prices and a still-elevated, if improving, crime baseline. Worcester's own relative affordability is a real positioning against Greater Boston's considerably higher pricing, not a claim of low absolute cost; movers should confirm current listings and a specific target neighborhood's own character directly, per the best-areas topic page.

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How to use this list

Every place above has its own full page with sourced housing, tax, and lifestyle data -- this list is a starting point for narrowing down where to look closer, not a final recommendation. Two places can both genuinely fit "most affordable places" and still be very different from each other; read the individual pages before deciding.

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Independent research; not financial, tax, or legal advice -- confirm current figures with a local professional before making a decision. See each place's individual page for full source attribution.