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Lowell, MA
Full City Profile · Massachusetts · Middlesex County County
3.0
/5.0
B
Good
114,799
Population
8,435/sq mi density
$76,205
Median Income
$36,138 per capita
$395,100
Home Value
$471,792 Zillow
$1,603
Median Rent
30.9% income on rent
51°F
Avg Temperature
258 sunny days/yr
363
Violent Crime/100K
1,483 property/100K
B
Overall
3.0 / 5.0
Good overall score based on economy, affordability, safety and education
A
Economy
4.0 / 5.0
$76,205 median income, 3.6% unemployment
B+
Affordability
3.8 / 5.0
$395,100 home value, $1,603/mo rent
F
Safety
1.0 / 5.0
363 violent crimes/100K
B
Education
3.4 / 5.0
29.9% bachelor's degree or higher
Cost Overview
Cost of Living Index
105.8
Above national average
100 = US average
Median Monthly Rent
$1,603
38% above US avg
Avg Annual Property Tax
$10,825
209% above US avg ($3,500)
Fair Market Rents (HUD FY2026)
Studio
$1,727
per month
1 Bedroom
$1,822
per month
2 Bedroom
$2,300
per month
3 Bedroom
$2,858
per month
4 Bedroom
$3,232
per month
Childcare Costs
Infant (Center)
$1,999/mo
$23,988/year
Toddler (Center)
$1,769/mo
$21,228/year
Preschool (Center)
$1,342/mo
$16,104/year
Infant (Family)
$1,082/mo
$12,984/year
Toddler (Family)
$996/mo
$11,952/year
Preschool (Family)
$866/mo
$10,392/year
Healthcare 40 services
| Doctor Visit (Primary Care) | $264.50 |
| Specialist Visit | $370.30 |
| Urgent Care Visit | $211.60 |
| Emergency Room Visit | $2,327.60 |
| Dental Cleaning | $137.54 |
| Dental Filling | $264.50 |
| Root Canal | $1,058.00 |
| Dental Crown | $1,269.60 |
| Tooth Extraction | $264.50 |
| Wisdom Teeth Removal | $1,587.00 |
| Teeth Whitening | $529.00 |
| Dental Implant | $4,232.00 |
| Eye Exam | $211.60 |
| Glasses (Prescription) | $370.30 |
| Contact Lenses (Annual) | $264.50 annual |
| LASIK (Per Eye) | $2,645.00 per eye |
| X-Ray | $264.50 |
| MRI | $1,587.00 |
| CT Scan | $1,269.60 |
| Ultrasound | $423.20 |
| Blood Test (Basic Panel) | $158.70 |
| Physical Therapy (Session) | $158.70 per session |
| Chiropractor Visit | $79.35 |
| Dermatologist Visit | $264.50 |
| Mental Health Therapy | $185.15 per session |
| Psychiatrist Visit | $317.40 |
| Colonoscopy | $2,645.00 |
| Mammogram | $317.40 |
| Knee Replacement | $37,030.00 |
| Hip Replacement | $33,856.00 |
| Cataract Surgery (Per Eye) | $3,703.00 per eye |
| ACL Surgery | $26,450.00 |
| Appendectomy | $15,870.00 |
| C-Section Delivery | $23,276.00 |
| Normal Childbirth | $13,754.00 |
| Flu Shot | $42.32 |
| COVID Test | $105.80 |
| Prescription (Generic, 30-day) | $15.87 per month |
| Prescription (Brand, 30-day) | $264.50 per month |
| Ambulance Ride | $1,269.60 |
Auto Repair 18 services
| Oil Change (Conventional) | $47.61 |
| Oil Change (Synthetic) | $79.35 |
| Brake Pad Replacement | $317.40 |
| Tire Rotation | $42.32 |
| New Tires (Set of 4) | $634.80 set of 4 |
| Battery Replacement | $211.60 |
| Transmission Repair | $3,174.00 |
| AC Repair | $529.00 |
| Windshield Replacement | $370.30 |
| Wheel Alignment | $105.80 |
| Spark Plug Replacement | $211.60 |
| Alternator Replacement | $529.00 |
| Timing Belt Replacement | $740.60 |
| Car Detailing (Full) | $211.60 |
| Towing (Per Mile) | $5.29 per mile |
| State Inspection | $31.74 |
| Emissions Test | $52.90 |
| Check Engine Diagnostic | $105.80 |
Home Services 25 services
| Plumber (Per Hour) | $105.80 per hour |
| Electrician (Per Hour) | $95.22 per hour |
| HVAC Repair | $423.20 |
| HVAC System Install | $7,406.00 |
| Roof Repair | $1,058.00 |
| Roof Replacement | $9,522.00 |
| Interior Painting (Avg Home) | $2,645.00 |
| Exterior Painting (Avg Home) | $3,703.00 |
| Pest Control (One-Time) | $211.60 |
| Pest Control (Annual Plan) | $529.00 annual |
| Carpet Cleaning (3 Rooms) | $185.15 |
| Lawn Mowing (Per Visit) | $52.90 per visit |
| Lawn Care (Monthly) | $158.70 monthly |
| Tree Removal | $846.40 |
| Gutter Cleaning | $211.60 |
| Pressure Washing (House) | $317.40 |
| Foundation Repair | $5,290.00 |
| Kitchen Remodel (Mid-Range) | $31,740.00 |
| Bathroom Remodel (Mid-Range) | $12,696.00 |
| Flooring Install | $8.46 per sq ft |
| Window Replacement | $687.70 per window |
| Fence Install (Wood) | $31.74 per ft |
| Garage Door Replacement | $1,269.60 |
| Water Heater Replacement | $1,587.00 |
| Septic Tank Pumping | $423.20 |
Legal 12 services
| Divorce (Uncontested) | $1,587.00 |
| Divorce (Contested) | $15,870.00 |
| DUI Defense | $5,290.00 |
| Bankruptcy (Chapter 7) | $1,587.00 |
| Will Preparation | $529.00 |
| Trust Preparation | $2,645.00 |
| Real Estate Closing | $2,116.00 |
| Traffic Ticket Defense | $317.40 |
| LLC Formation | $529.00 |
| Immigration Consultation | $317.40 |
| Criminal Defense (Misdemeanor) | $3,174.00 |
| Personal Injury (Contingency) | $34.91 % of settlement |
Personal Care 12 services
| Men's Haircut | $26.45 |
| Women's Haircut | $58.19 |
| Hair Coloring (Full) | $158.70 |
| Manicure | $26.45 |
| Pedicure | $42.32 |
| Massage (1 Hour) | $84.64 per session |
| Facial Treatment | $105.80 |
| Gym Membership | $52.90 monthly |
| Personal Trainer (Session) | $74.06 per session |
| Dry Cleaning (Suit) | $15.87 |
| Laundromat (Per Load) | $4.23 per load |
| Spa Day Package | $264.50 |
Food & Grocery 20 services
| Gallon of Milk | $4.34 per gallon |
| Dozen Eggs | $3.70 per dozen |
| Loaf of Bread | $4.02 |
| Chicken Breast | $4.76 per lb |
| Ground Beef | $5.82 per lb |
| Rice | $1.06 per lb |
| Bananas | $0.69 per lb |
| Apples | $1.90 per lb |
| Coffee | $7.94 per lb |
| Gasoline | $3.70 per gallon |
| Fast Food Meal | $10.58 |
| Restaurant Meal (Casual) | $19.04 |
| Restaurant Meal (Fine Dining) | $63.48 |
| Pizza Delivery (Large) | $19.04 |
| Coffee (Cafe Latte) | $5.82 |
| Beer (6-Pack Domestic) | $10.58 |
| Wine (750ml, Mid-Range) | $15.87 |
| Cigarettes (Pack) | $8.99 per pack |
| Baby Formula (Can) | $26.45 |
| Dog Food (Monthly) | $52.90 monthly |
Utilities 8 services
| Electricity (Monthly) | $148.12 monthly |
| Natural Gas (Monthly) | $74.06 monthly |
| Water/Sewer (Monthly) | $74.06 monthly |
| Internet (Monthly) | $74.06 monthly |
| Cell Phone Plan (Monthly) | $68.77 monthly |
| Cable TV (Monthly) | $89.93 monthly |
| Trash Collection (Monthly) | $37.03 monthly |
| Home Insurance (Annual) | $2,116.00 annual |
Transportation 8 services
| Monthly Parking (Downtown) | $211.60 monthly |
| Car Insurance (Annual) | $2,116.00 annual |
| Bus Pass (Monthly) | $74.06 monthly |
| Taxi/Uber (5-Mile Ride) | $15.87 |
| Car Registration (Annual) | $105.80 annual |
| Driver's License Renewal | $31.74 |
| Tolls (Monthly Commuter) | $52.90 monthly |
| Vehicle Property Tax (Annual) | $423.20 annual |
Education & Childcare 8 services
| Daycare (Infant, Monthly) | $1,269.60 monthly |
| Daycare (Toddler, Monthly) | $1,058.00 monthly |
| After-School Care (Monthly) | $423.20 monthly |
| Tutoring (Per Hour) | $52.90 per hour |
| SAT/ACT Prep Course | $1,058.00 |
| Private School (K-12, Annual) | $13,225.00 annual |
| Community College (Annual) | $4,232.00 annual |
| State University (Annual) | $10,580.00 annual |
Pets 9 services
| Vet Visit (Routine Checkup) | $63.48 |
| Dog Vaccination (Annual) | $105.80 annual |
| Dog Grooming | $63.48 |
| Pet Boarding (Per Night) | $42.32 per night |
| Dog Spay/Neuter | $317.40 |
| Cat Spay/Neuter | $211.60 |
| Pet Emergency Visit | $846.40 |
| Dental Cleaning (Dog) | $423.20 |
| Microchipping | $52.90 |
Complete Cost Data
Housing Costs
| Cost of Living Index | 105.8 |
| Median Rent | $1,603 |
| Rent Burden | 30.9% |
| Property Tax (IRS) | $10,825 |
| FMR Studio | $1,727 |
| FMR 1-Bedroom | $1,822 |
| FMR 2-Bedroom | $2,300 |
| FMR 3-Bedroom | $2,858 |
| FMR 4-Bedroom | $3,232 |
Childcare (Monthly)
| Infant (Center) | $1,999 |
| Toddler (Center) | $1,769 |
| Preschool (Center) | $1,342 |
| Infant (Family) | $1,082 |
| Toddler (Family) | $996 |
| Preschool (Family) | $866 |
Income Context
| Median Income | $76,205 |
| Per Capita Income | $36,138 |
| IRS Avg AGI | $152,234 |