Is $70,000 Enough to Support a Couple or Small Family in Boston?

If you're wondering whether $70,000 is enough to support a couple or small family in Boston, the short answer is: it’s challenging, but not impossible. The city offers fantastic public resources, parks, and walkable neighborhoods—but high housing and childcare costs can quickly add up.

Budget Considerations for Couples or Families

  • Housing: Two-bedroom apartments in decent neighborhoods often start at $2,400/month. Areas like Roslindale, Hyde Park, or parts of East Boston may offer more value per square foot.

  • Utilities & Essentials: Plan for $300–$500/month for gas, electric, internet, and household items.

  • Groceries: Expect to spend around $600–$800/month for a couple or small family.

  • Childcare: This can be the biggest challenge. Full-time daycare in Boston can cost $1,500–$2,500/month per child.

Is It Doable?

On a $70,000 income, you’re looking at around $4,400/month after taxes. If you’re not paying for childcare, it may be tight but doable with careful planning. With childcare, it becomes much harder without supplemental income, housing assistance, or extended family support.

Pro Tip: Look into employer benefits, state childcare programs, and tax credits to help manage costs.

Kevin Woo