Moving from Boston to Providence
Your paycheck goes 7.8% further in Providence than in Boston. Compare taxes, rent, home prices and the cost of the move.
Equal salary in Providence: $110,300
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $110,300 in Providence, RI to match $120,000 in Boston, MA ($9,700 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Uses Massachusetts and Rhode Island state income tax; neither city levies a resident income tax.
Prices and housing cover the metro area; taxes use Massachusetts and Rhode Island, their principal states. A metro can span several states; living in its other state can change the tax result.
Boston vs Providence: key facts
- Median rent
- $2,093 → $1,396/mo
- Median home value
- $681,100 → $471,000
- Median household income
- $117,825 → $82,870
- Price level (U.S. = 100)
- 108.3 → 101.8
- FEMA county-score mean
- Very high county-score mean (93.2 → 82.4 of 100)
Boston vs Providence cost of living
The vertical line marks the U.S. average (100).
| Measure | Boston, MA | Providence, RI |
|---|---|---|
| Overall price level (U.S. = 100) | 108.3 | 101.8 |
| Median rent | $2,093 | $1,396 |
| Income to rent affordably (30%) | $83,720 | $55,840 |
| Median home value | $681,100 | $471,000 |
| Monthly cost to own (20% down) | $4,427 | $3,128 |
| Income needed to buy | $189,743 | $134,066 |
| Median property tax | $6,913 | $4,946 |
| State income tax on $120,000 | $5,780 | $4,098 |
| Metro population | 5,025,517 | 1,700,901 |
Metro-area figures (Census ACS 2024, BEA 2024). The fixed tax rows above use an illustrative single-earner salary of $120,000, rounded from Boston's median household income. Household income can include multiple earners; it is not a typical individual wage. Taxes use each metro's principal state. A metro can span several states; residence in its other state can change the tax result.
Your yearly budget: Boston vs Providence
This fixed budget example uses $120,000, single filing and residence inside the principal city tax areas. It does not change with the calculator above.
On a $120,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $67,468 a year in Boston and $58,291 in Providence if you rent: $9,177 less after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $97,653 and $81,065 ($16,588 less).
Your yearly budget, before vs after
| Yearly cost | BostonBefore | ProvidenceAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $120,000, single filer | $33,082 | $31,948 | -$1,134 |
| Car insurance one car, state average | $1,326 | $1,540 | +$214 |
| Gas 12,000 miles at 25 mpg | $2,016 | $1,979 | -$37 |
| Health insurance one adult, age 40, own plan before subsidies | $5,928 | $6,072 | +$144 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $25,116 | $16,752 | -$8,364 |
| Total if you rent | $67,468 | $58,291 | -$9,177 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $44,560 | $30,815 | -$13,745 |
| Property tax median home | $6,913 | $4,946 | -$1,967 |
| Homeowners insurance state median, with a mortgage | $1,655 | $1,778 | +$123 |
| Electricity state average bill | $2,173 | $1,987 | -$186 |
| Total if you buy | $97,653 | $81,065 | -$16,588 |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures for the principal state: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $27,067 a year in Boston and $18,972 in Providence (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Who moves from Boston to Providence
About 9,092 households (14,294 people) moved from the Boston metro area to the Providence metro area in 2022–2023, making Providence the #1 destination for people leaving Boston among the 149 metro areas we cover. 6,739 households moved the other way. Their average adjusted gross income was $85,518.
Cost to move from Boston to Providence
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $310–$600 |
| Moving container | $1,090–$2,030 |
| Full-service movers | $1,830–$4,860 |
At about 50 miles, this move is shorter than the long-distance routes these ranges are modeled on. A move this short is often priced by the hour, so quotes can come in lower.
Natural hazard risk: Boston vs Providence
RelocateMath's population-weighted means of FEMA county risk scores are 93.2 for the Boston area and 82.4 for the Providence area, on the county-score scale of 0–100. These means are not official FEMA metro ratings or national metro percentiles. Modeled expected yearly losses from natural hazards average $206 vs $181 per resident; individual properties can differ.
The vertical line marks county-score scale midpoint (50).
The vertical line marks county-score scale midpoint (50).
Frequently asked questions
Is Providence cheaper than Boston?
Overall prices in the Providence area are 6.0% lower than in Boston (BEA Regional Price Parities 2024). Median rent is $1,396 vs $2,093 a month, and the median home is $471,000 vs $681,100.
What salary do I need in Providence to match $100,000 in Boston?
About $91,700 in a fixed single-filer W-2 example assuming residence inside both principal cities. It accounts for 2026 federal and principal-state taxes, modeled resident local taxes where applicable, and metro prices. Uses Massachusetts and Rhode Island state income tax. This illustration stays fixed when calculator inputs change.
How much does it cost to move from Boston to Providence?
For a 2–3 bedroom home over about 50 miles: roughly $310–$600 with a rental truck, $1,090–$2,030 with a container, or $1,830–$4,860 with full-service movers. A move this short is often priced by the hour, so quotes can come in lower.
How many people move from Boston to Providence?
IRS county migration data for 2022–2023 show about 9,092 households (14,294 people) moved from the Boston metro area to the Providence metro area, and 6,739 moved the other way.
Related
Where people from Boston move
- Boston to New York 8,431 households
- Boston to Worcester 7,548 households
- Boston to Manchester 5,234 households
- Boston to Portland, ME 2,659 households
- Boston to Washington, D.C. 2,324 households
- Boston to Miami 2,284 households
- Boston to Los Angeles 2,105 households
- Boston to San Francisco 1,656 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing.