Quick Answer
60,000 is a below-average salary in Boston, placing you above roughly 30% of earners. After taxes (~22.1% effective rate), your take-home is approximately $3,893/month. A 1-bedroom apartment averages $2,800/month (72% of net income).
The question "is 60k good in Boston?" comes up frequently among professionals considering new roles or relocations. The honest answer requires looking at data—not just gut feelings—and that's exactly what we provide in this comprehensive salary analysis.
Boston (pop. 4.9 million) is one of the most expensive compared to global metros, with a cost of living index of 92 (NYC = 100). Average 1-bedroom rent is $2,800/month and a monthly transit pass costs $110. It's considered a strong tech market with a tech score of 8/10.
Understanding salary adequacy in Boston starts with the basics: how much of 60k do you actually take home? After federal and local taxes, social security contributions, and any mandatory deductions, the net figure is what determines your daily life. In United States, the gap between gross and net can be surprisingly wide depending on your tax bracket.
The dining and entertainment landscape in Boston also reflects in your salary's spending power. A city where a casual dinner costs $15 is very different from one where the same meal runs $45. These seemingly small differences compound over a year and significantly affect how comfortable 60k feels in daily life.
Healthcare costs vary widely by country and can dramatically affect salary evaluation. In countries with universal healthcare, 60k goes further because medical expenses are largely covered. In markets where health insurance is employer-provided or out-of-pocket, the true value of your salary depends heavily on your benefits package.
Education costs—whether for yourself or dependents—are another factor that shapes salary adequacy in Boston. International school fees, university costs, and professional development expenses all come into play when evaluating whether 60k supports your full lifestyle needs.
Finally, consider the savings potential at 60k in Boston. After covering all essential and discretionary expenses, how much can you realistically put aside each month? The ability to build financial security—whether through savings, investment, or property ownership—is ultimately what separates a "good" salary from merely an "adequate" one.
Is 60k a good salary in Boston in 2026?
60k is a below-average salary, with roughly 70% of earners making more in Boston. The local median salary is $78,000, so earning $60,000 puts you at the 30th percentile. After accounting for housing (average $2,800/month for a 1-bedroom), taxes, and daily costs, this salary leaves modest room for savings.
How much tax will I pay on 60k in Boston?
On a gross salary of $60,000 in United States, you can expect an effective tax rate of approximately 22.1%. This means roughly $13,288 per year goes to taxes, leaving you with a net income of about $46,712 per year ($3,893 per month). The exact amount may vary based on deductions, filing status, and local levies.
What is the average rent in Boston in 2026?
As of 2026, the average rent for a 1-bedroom apartment in central Boston is approximately $2,800 per month, while a 2-bedroom averages around $3,800 per month. On a 60k salary, a 1-bedroom rent would consume about 72% of your after-tax income, which is a very high share of income.
How does 60k in Boston compare to other cities?
Purchasing power varies by city, so 60k in Boston is not equivalent elsewhere. Adjusted for cost of living, the same standard of living would require approximately: New York ($65,400), London ($55,435), San Francisco ($68,478). Boston has a purchasing power index of 98 (NYC = 100), meaning your money goes somewhat less far than in New York.
What is the cost of living in Boston in 2026?
Boston has a cost of living index of 92 (where New York = 100), making it one of the most expensive cities globally. Key monthly costs include: rent ($2,800 for 1BR), groceries (~$428), transport ($110), and utilities (~$138). Total monthly expenses for a single professional average around $3,706 before discretionary spending.
Can I save money on 60k in Boston?
On 60k in Boston, your estimated monthly take-home pay is $3,893 after taxes. With typical expenses of $3,706/month (rent, groceries, transport, utilities, and leisure), you could potentially save around $187 per month ($2,244/year). This is modest but achievable with disciplined budgeting.
Last updated: 2026-02-19 | Data sources: Numbeo, OECD, Glassdoor, and local government statistics.
Disclaimer: This page uses market data and cost-of-living sources for guidance. All figures and advice are estimates, not guarantees. Local conditions and personal circumstances may vary.
