Is $70,000 Enough to Live in Boston as a Single Person?

Living in Boston on a $70,000 salary is possible—especially for a single person—but it takes careful budgeting and smart choices about where and how you live. Boston is known for its high cost of living, but it also offers vibrant culture, world-class healthcare, and proximity to top employers and educational institutions.

Cost of Living Breakdown for Singles

  • Housing: Renting a studio or one-bedroom in neighborhoods like Allston, Jamaica Plain, or Dorchester can range from $1,600–$2,200/month. Consider living with roommates to cut this cost significantly.

  • Transportation: Boston’s MBTA system is efficient and affordable. A monthly pass is around $90, and many residents skip car ownership entirely.

  • Food & Essentials: Expect to spend around $400–$600/month on groceries and personal items.

  • Entertainment & Dining: With smart planning, you can enjoy Boston’s restaurants, bars, and events without breaking your budget. Set aside $150–$250/month for fun.

Can You Live Comfortably?

Yes, if you're mindful. A $70,000 salary translates to roughly $4,400/month after taxes. By budgeting around your biggest expenses—rent and transportation—you can live comfortably and even save a bit. The key is choosing the right neighborhood and keeping lifestyle inflation in check.

Pro Tip: Look for housing near the T, use employer benefits, and enjoy the many free and low-cost events around the city.

Kevin Woo