D

Boston, MA

Source: · HUD FMR FY2024 · FBI UCR (latest county year) · DOL NDCP

Affordability Score: 47/100

Population: 143,136 · 13 ZIP codes

The D grade for Boston, MA is built from Census ACS 5-Year Estimates layered with county-level federal data. The headline inputs are median household income of $98,134, median home value of $1,036,996, median rent of $2,374 per month, and 74.1% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $2,941 per month (studio $2,359, 1BR $2,476, 3BR $3,526, 4BR $3,894). Department of Labor data lists infant center-based childcare at $30,680 per year, consuming 31% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages, so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Boston, MA include income, education. Pressure points are housing, rent, childcare. Unemployment currently reads 6.2% and poverty 23.2% - numbers worth keeping alongside the headline grade.

Score Breakdown

Income B+
$98,134
Median household income
Education A+
74.1%
Bachelor's degree or higher
Housing F
10.6x
Home value $1,036,996 vs income
Commute C+
23 min
Average commute time
Rent F
$2,941/mo
2BR fair market rent (county; 36% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare F
$30,680/yr
Center-based infant care (county; 31% of income)

Income & Employment

Median Income
$98,134
▲ 58% vs national
Per Capita Income
$80,171
Unemployment Rate
6.2%
Poverty Rate
23.2%

Housing

Median Home Value
$1,036,996
▲ 277% vs national
Median Rent
$2,374/mo
Owner Occupied
22.9%
2BR Fair Market Rent (county)
$2,941/mo
▲ 145% vs national

Fair Market Rents by Bedroom (county)

Studio
$2,359
1BR
$2,476
2BR
$2,941
3BR
$3,526
4BR
$3,894

Safety

Violent Crime Rate (county)
-
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
74.1%
▲ 44 ppt vs national
High School+
84.4%
Median Age
29.8
Avg. Commute
23 min
▼ 3 min vs national

Childcare Costs (county)

Infant (Center)
$30,680/yr
31% of income
Toddler (Center)
$25,639/yr
Preschool (Center)
$18,200/yr
School-Age (Center)
$11,645/yr

What This Means

Boston, MA receives an overall affordability grade of D (47/100), aggregated from 13 ZIP codes with a total population of 143,136. This area performs well in income and education. Challenges include housing and rent and childcare. Data was unavailable for safety – these dimensions were excluded from the overall score.

Other City Dashboards in MA

Explore Boston ZIP Codes
View all 13 ZIP codes with demographics and individual scorecards
View ZIPs →

What are common questions about this dashboard?

Is Boston, MA affordable?▼
Boston, MA receives an overall affordability grade of D (47/100) based on Census, HUD, FBI, and DOL data. Median household income is $98,134. Median home value is $1,036,996.
What is the cost of living in Boston?▼
Key cost metrics: Median rent $2,374/mo. 2BR fair market rent $2,941/mo. Infant childcare $30,680/yr. Median home value $1,036,996.
How is the affordability score calculated?▼
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Vintages stay separate: ACS demographics/housing 2019–2023; HUD FMR FY2024; FBI UCR and DOL NDCP use each feed's latest county year. Rent and childcare grades are exploratory joins against ACS median income, not one shared fiscal year across agencies. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →