Salary Needed to Live in Worcester as a Family
A family of four (2 adults, 2 children) needs approximately $68,758/year to live comfortably in Worcester, MA — including 15% savings.
Comfortable Salary
$68,758
with 15% savings
Bare Minimum
$54,433
no savings buffer
Monthly Expenses
$3,266
11% above national avg
Detailed Monthly Budget for a Family in Worcester
| Expense | Worcester | Nat'l Avg | Diff |
|---|---|---|---|
| 🏠 3BR Apartment/House Rent | $261 | $209 | +25% |
| 🛒 Groceries | $68 | $44 | +55% |
| ⚡ Utilities | $26 | $28 | -7% |
| 🚗 Transportation | $44 | $44 | 0% |
| 🛡️ Car Insurance | $190 | $229 | -17% |
| 🏥 Health Insurance | $67 | $58 | +16% |
| Childcare/After-school | $1,344 | $1,200 | +12% |
| Internet + Phones | $202 | $180 | +12% |
| Children Activities | $280 | $250 | +12% |
| Dining Out | $392 | $350 | +12% |
| School Supplies & Clothing | $224 | $200 | +12% |
| Healthcare Co-pays | $168 | $150 | +12% |
| Total Monthly | $3,266 | $2,942 | +11% |
How We Calculated the Salary
Monthly expenses:$3,266
Target savings (15%):$728/mo
Monthly after-tax needed:$3,994
Effective tax rate:28%
Gross annual salary needed:$68,758
Other Household Types in Worcester
Related Pages
FAQ
What salary does a family with kids need in Worcester?
A family with kids needs approximately $68,758/year ($5,730/month gross) to live comfortably in Worcester with a 15% savings rate.
How much is rent for a family with kids in Worcester?
A 3br apartment/house in Worcester costs approximately $261/month, which is the largest single expense at 8% of the total budget.
Is Worcester affordable for a family with kids?
Worcester is above the national average for family with kids living costs, requiring 11% more salary than the US median.