Monthly Budget in Cambridge for a Family of Four
What it costs two adults, two children to live in Cambridge, MA in 2026.
$7,492
Total Monthly
$16,649
Salary Needed
168
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (3BR apartment) | $3,024 |
| Essential | Groceries & household supplies | $187 |
| Essential | Utilities (electric, gas, water) | $53 |
| Essential | Transportation (gas, transit, maintenance) | $95 |
| Essential | Car insurance | $494 |
| Essential | Health insurance (family plan) | $167 |
| Lifestyle | Internet & streaming | $126 |
| Lifestyle | Phone plan (4 lines) | $238 |
| Lifestyle | Dining out & takeout | $588 |
| Lifestyle | Entertainment & recreation | $504 |
| Essential | Childcare (2 children) | $2,016 |
| Essentials Subtotal | $6,036 | |
| Lifestyle Subtotal | $1,456 | |
| Total Monthly Budget | $7,492 |
💡 Salary Needed: To live in Cambridge as two adults, two children with a 20% savings margin, you need approximately $16,649/year before taxes.Check affordability →