City comparison · 981 km apart

Boston vs Raleigh: which should you move to?

Boston or Raleigh? Housing, rent, crime, climate, income, taxes and transit, side by side, from each city's own published figures. Written for someone deciding where to live, not for a ranking.

Skyline of downtown Boston
Massachusetts · United States

Boston

Photograph: Skyline of downtown Boston · Nkon21 · CC BY 4.0 · source
Downtown from Dorothea Dix Park
North Carolina · United States

Raleigh

Photograph: Downtown from Dorothea Dix Park · Abhiram Juvvadi · CC BY-SA 4.0 · source
The short answer

Both cities price in US dollars, so the figures net directly, and the housing gap is large whichever mortgage rate is used. Mortgage, property tax and insurance come to about $4,756 a month on Boston's typical home and $2,808 in Raleigh, a $1,948 gap that would be about $2,104 if Boston's mortgage were priced at Raleigh's September rate of 7.03% rather than August's 6.66%, and that is before Boston's condominium fees and heat. The labor market is Raleigh's too: on the same unadjusted basis unemployment in July 2026 was 3.2% in Raleigh-Cary and 4.3% in greater Boston, where jobs grew 0.3% on the year against 2.1%. Crime splits. Boston reports more violence, about 507 offenses per 100,000 against 396, Raleigh more property crime, 2,316 against about 1,950, and the homicide rates are close at about 4.6 and 4.9. Choose Boston to live without a car, near the teaching hospitals, in the state with the country's lowest uninsured rate. Choose Raleigh for a house at 5.0 times local income rather than 8.1 and a job market still adding people.

Population
MeasureBostonRaleighAdvantage
City population672,973 (2025)506,306 (2025)Not directly comparable
Metro population5,034,221 (2025)1,595,720 (2025)Not directly comparable
Five-year growth
Growth is pressure on rents and roads as much as it is opportunity, so it is reported without a winner.
-0.8% (2020-2025)8.2% (2020-2025)Not directly comparable
01: Housing

What a home costs in each

The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.

Housing costs
MeasureBostonRaleighAdvantage
Benchmark home price
MLS® HPI or equivalent benchmark. Lower is treated as the advantage, which is the buyer's view rather than the owner's.
$791,816 (June 2026)$428,671 (August 2026)Raleigh
Detached house benchmark$858,328$440,555Raleigh
Apartment or condominium benchmark$739,553$270,056Raleigh
Two-bedroom rent$3,425/mo (median, June 2026)$1,655/mo (average, August 2026)Raleigh
One-bedroom rent$2,877/mo$1,409/moRaleigh
Two-bedroom rent against median income
A year of two-bedroom rent as a share of the median household income below. A household paying the median rent out of the median income is a fiction, but it is the same fiction in both columns and it crosses currencies.
42.0% of a year's income23.3% of a year's incomeRaleigh
Mortgage payment on the benchmark, 20% down
30-year amortization on American monthly compounding, the convention in both.
$4,071/mo at 6.66%$2,288/mo at 7.03%Raleigh
Price to household income
Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not.
8.1×5.0×Raleigh
Property tax on the benchmark home
The effective rate on market value, which is what the two rates have in common and what the Advantage column is decided on; the bills are in each city's own dollars.
$5,465/yr (0.690%, 2026)$3,717/yr (0.867%, 2026)Boston
Transfer tax on the benchmark home
Compared as a share of the price. Where the seller pays it, it is a cost of leaving rather than arriving.
$3,611 (seller pays)$857 (seller pays)Raleigh
Rent control
A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better.
Forbidden by state lawForbidden by state lawNot directly comparable

Boston: About 0.69% of what you pay for the house. Boston charges business $27 per $1,000 against the $12 it charges you, a shift of 2.17 to one. That is why the residential rate is what it is: under MGL c.40 s.56 a municipality may move part of the levy onto commercial property, so a low published rate is evidence of a commercial tax base rather than of a cheap town. Boston is one of nine municipalities in this layer that grants a residential exemption under MGL c.59 s.5C, and it takes $351,108 of assessed value off an owner-occupied parcel. That is a flat dollar slab rather than a percentage of your house, so it is worth the same on a cheap home as on an expensive one and worth far more as a share of the bill at the bottom of the market. On the $791,816 typical home value here it produces a bill of about $5,465 a year against the $9,819 somebody who does not live in the building pays on the same house. It is not automatic: you file with the assessors, the deadline is 1 April, and you must have owned and occupied the property on the previous 1 January. Massachusetts assesses at full and fair cash value and re-sets the whole class every year, with the Department of Revenue certifying the roll every five years and reviewing the interim adjustments in between. There is no assessment freeze as in Ontario and North Carolina and no purchase reset or growth cap as in Florida, which means the useful thing a Massachusetts buyer can do that a Florida buyer cannot: the seller's current tax bill is a fair guide to what you will pay. The only lag is the lien date. Fiscal 2026 bills are charged against values as of 1 January 2025. Raleigh: About 0.87% of market value. Raleigh levies 90.91 cents per $100 for fiscal 2027, Wake County's 53.71 cents plus the City's 37.20 cents, against values set at the 1 January 2024 revaluation. North Carolina measures the gap itself: the Department of Revenue puts Wake's assessment level at 95.39% of sale price, which is how it publishes an effective county rate of 0.4933% against a nominal 0.5171%. Wake revalues again on 1 January 2027 and every two years after that, so the next bill resets to what houses are worth then. Inside the downtown municipal service district the bill carries a further 6.8 cents per $100.

02: Crime and safety

How safe each city is, by the numbers it publishes

Police-reported figures for the most recent year each force or statistics agency has released. Rates describe a whole city or metro area, and the spread between neighbourhoods inside one city is usually wider than the gap between the two cities.

Crime
MeasureBostonRaleighAdvantage
Crime Severity Index
Statistics Canada's weighted index for the metropolitan area, where 100 is Canada in 2006. American cities have no equivalent series.
Not publishedNot publishedNot directly comparable
Violent crime per 100,000507 (2025)396 (2025)Raleigh
Property crime per 100,0001,950 (2025)2,316 (2025)Boston
Homicides
Counts, not rates, and a single year in a small city moves a long way on chance alone. What each figure covers is under the table.
31 (2025)25 (2025)Not directly comparable
Boston

Violent Part One offences fell from 3,636 in 2023 to 3,615 in 2024 and 3,409 in 2025 on BPD's own year-end counts, and property offences went 12,777, then 13,354, then 13,120, so the three-year direction is down on both. Homicides moved the other way and are the number people argue about: 36 in 2023, then 24 in 2024, a low the city had not seen in decades, then 31 in 2025. Even at 31 the count sits below the 38.2 five-year average, and BPD reports shootings still more than 30% under that average. All of these are preliminary until UCR coding is complete, and BPD's violent crime definition runs below the FBI's, which recorded 4,138 violent offences in Boston in 2024 against BPD's 3,615.

What the rates cover: Computed: Boston Police Department counted 3,409 Part One violent offences between 1 January and 28 December 2025 (31 homicides, 150 rapes, 760 robberies, 914 domestic aggravated assaults, 1,554 non-domestic aggravated assaults), divided by the 672,973 Vintage 2025 city population. The FBI's 2024 file for Boston gives a higher figure, 4,138 violent offences and 628 per 100k, almost all of the gap in aggravated assault; BPD's counts are its own and are preliminary until UCR coding is complete.

Homicides: City of Boston, 31 homicides in the 1 January to 28 December 2025 count, up from 24 in 2024 and down from 36 in 2023. Three of the 31 were deaths from earlier years ruled homicides in 2025. That is about 4.6 per 100,000. Commissioner Michael Cox put the 2025 total 16% below the five-year average of 38.2, and 19 of the 31 victims were shot.

Raleigh

On the FBI's definitions, violent offenses in Raleigh went from 2,573 in 2023 to 2,399 in 2024 and 2,007 in 2025, a 16% drop in the last year, and property offenses from 12,665 to 13,854 and then 11,725. RPD's own 2025 report shows motor vehicle thefts down 32% (2,444 to 1,664), thefts from vehicles down 27%, non-fatal shooting incidents down from 91 to 79 and aggravated assaults without a firearm down 12%, while its all-assault total was flat at 7,418 and murders held at 25 after 24. The 2025 CDE counts were read on 26 September 2026 from a feed last refreshed on 15 September and can still be revised.

What the rates cover: Computed: 2,007 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the Raleigh Police Department (ORI NC0920100) in calendar 2025, divided by the 506,306 Vintage 2025 city population. On the CDE's own agency population of 508,719 the rate is 395. RPD's 2025 annual report does not publish a count on this definition: its total violent crime of 8,541 counts every assault, simple assaults included (7,418 in all), and lists no rapes, so it runs more than four times the FBI figure and measures something else.

Homicides: 25 murders and nonnegligent manslaughters in 2025 in both RPD's annual report and the FBI CDE, against 24 in 2024, about 4.9 per 100,000 on the city population. RPD's wider count of homicide incidents, which adds one negligent manslaughter and two justifiable homicides, was 28. The high point in the CDE series since 2021 is 45, in 2022.

03: Climate

Winters, summers and what the weather can do to a house

Climate normals
MeasureBostonRaleighAdvantage
January mean-1.2 °C5.5 °CNot directly comparable
July mean23.4 °C26.9 °CNot directly comparable
Precipitation a year1,107 mm1,170 mmNot directly comparable
Snowfall a year125 cm13 cmNot directly comparable
Sunshine a year2,634 hours2,606 hoursBoston
Boston

NOAA NCEI 1991-2020 normals, Boston Logan International Airport (USW00014739): January mean 29.9 F, July mean 74.1 F and the warmest month, annual precipitation 43.59 in spread almost evenly across the twelve months, annual snowfall normal 49.2 in. Converted here to -1.2 C, 23.4 C, 1,107 mm and 125 cm. Sunshine is not in the 1991-2020 normals product; the 2,634 hours shown is the older 1961-1990 NCDC mean, 58% of possible, the same series used for Charlotte on this site.

Hazards: Nor'easters are the hazard that defines the coast here. The bomb cyclone of 4 January 2018 pushed the Boston tide gauge to 15.16 ft, beating the 15.1 ft of the Blizzard of 1978 in records kept since 1921, floated ice down Atlantic Avenue, flooded 75 homes in Winthrop and put water into the Aquarium subway station; a second nor'easter did much the same two months later. Climate Ready Boston plans against roughly 9 inches of sea level rise by 2030, 21 inches by 2050 and 36 to 40 inches (91 to 102 cm) by 2070, and the city's coastal resilience plans for Charlestown, the downtown waterfront and North End, East Boston, South Boston and Dorchester are all designed for a 1% annual chance storm at 2070 sea levels across 47 miles of shoreline. In East Boston alone the near-term works are costed to protect 10,800 residents and 250 businesses and to avoid about $620 million in losses. Away from the water the hazards are ordinary and expensive: a 49 inch snow normal, ice, and summer heat waves that are short but severe.

Raleigh

NOAA NCEI 1991-2020 normals for Raleigh-Durham International Airport (station USW00013722): January mean 41.9F, July mean 80.5F, annual mean 61.2F, 46.07 in of precipitation, 5.2 in of snow. July is the warmest month, ahead of August's 78.8F, with a mean high of 90.8F; January's mean low is 31.8F. Most of the snow falls in January (2.6 in) and February (1.4 in), and September (5.15 in) and July (5.02 in) are the wettest months. Converted here to 5.5 C, 26.9 C, 1,170 mm and 13.2 cm. Sunshine hours are the older 1961-1990 NCDC means (2,606 hours, 58% of possible), since the 1991-2020 normals do not include sunshine.

Hazards: Humid subtropical, with long hot summers and thunderstorms, and winters mild enough that snow is an event. The record storm, on 24 to 25 January 2000, left 20.3 in (52 cm) at the airport, 17.9 in of it in 24 hours, beating a 1927 record of 17.8 in. Hurricanes reach Raleigh weakened but not harmless: Fran in September 1996 dropped 8.80 in (224 mm) of rain at RDU, uprooted trees across the region and did about $900 million of damage in Raleigh and Wake County, and the State Climate Office writes that no storm since has had so wide or lasting an impact on the Triangle. Flooding along the creeks after heavy rain and summer heat are the routine risks.

04: Income, jobs and taxes

What people earn and what the government takes

Income and taxes
MeasureBostonRaleighAdvantage
Median household income$97,791 USD (2024)$85,060 USD (2024)Boston
Unemployment rate4.3% (July 2026)3.1% (July 2026)Raleigh
Sales tax6.25%7.25%Boston
Top marginal income tax
Federal plus provincial or state. The American figure leaves out payroll taxes and the cost of health insurance, both of which a Canadian household covers through the tax it pays here.
46%41.25%Raleigh
Income tax on $100,000, single filer
Computed from each jurisdiction's brackets at a single filer's $100,000 and rounded to the dollar, so a gap of a dollar is rounding rather than tax. Two cities in one province or state are shown as Even, because there the two cells describe the same tax and whatever separates them is method.
$18,229 USD$17,157 USDRaleigh
Boston

BLS counted 2,747,200 nonfarm jobs in the Boston-Cambridge-Newton MSA in July 2026, up 0.3% on the 2,739,800 of July 2025, so the metro job market is flat rather than growing. Inside the city the largest industries by employment in 2024 were health care and social assistance (68,674), professional, scientific and technical services (59,267) and educational services (50,798), and the best-paid were management of companies ($120,536 median), finance and insurance ($111,396) and professional and technical services ($104,866). Hospitals and universities are not a sideline here, they are the base of the economy, which makes the city unusually exposed to federal research funding and to international student flows. bls.gov answered 403 to the fetcher, so the employment counts come through FRED and the industry mix through Data USA, both of which restate Census and BLS series.

Main sectors: Health care and social assistance (Mass General Brigham, Beth Israel Lahey, Boston Children's), Higher education and research, Professional, scientific and technical services, Finance and insurance, especially asset management and custody banking, Life sciences and biotech, in the Longwood Medical Area and along the Charles.

Property tax is the local levy that matters. Boston's certified fiscal 2026 residential rate is $12.40 per $1,000 of full and fair cash value, and an owner who is domiciled in the home gets a residential exemption of $351,108 off the assessed value, worth $4,353.74 a year at that rate; it is not automatic on purchase and has to be filed for by 1 April. Proposition 2 1/2 caps the levy a municipality may raise rather than the rate, so a rate can fall in a year when every bill rises. Massachusetts reassesses the whole residential class at full value every year, with no cap, no freeze and no reset on sale, which means the seller's current bill is a fair guide to what a buyer will pay. Nothing is charged to take title or to borrow: no buyer transfer tax and no mortgage recording tax, only the deeds excise at $4.56 per $1,000, which MGL c.64D s.1 puts on the seller. Massachusetts does levy an estate tax, unusual among the states on this site: estates over $2 million file, and since the 2023 change a credit of up to $99,600 means only the value above $2 million is taxed, at 0.8% to 16%.

Raleigh

BLS counted 784,100 nonfarm jobs in the Raleigh MSA in July 2026 (not seasonally adjusted), up 15,900 or 2.1% on the year. Construction grew fastest (+6.8%), then education and health (+4.7%), while information (-5.9%), manufacturing (-1.7%) and trade, transportation and utilities (-0.4%) shrank. Professional and business services is the largest sector at 156,200 jobs, and government, with the state capital and NC State inside it, employs 107,400. The seasonally adjusted series (FRED RALE537NA) reached 786,100 in August 2026, 2.5% above August 2025. Average weekly wages across Wake, Johnston and Franklin counties were $1,621 in the first quarter of 2026 against $1,654 nationally. The newest large employers are drug plants in Holly Springs: Fujifilm Diosynth plans 1,400 jobs there by 2031 after a $1.2 billion expansion announced in April 2024, and Amgen about 725 across two plants after a $1.02 billion second one announced in December 2024.

Main sectors: Professional and business services, the metro's largest sector, Government (the state capital, NC State University, the county school system), Education and health care (WakeMed, UNC Health Rex, Duke Raleigh), Trade, transportation and utilities, Biomanufacturing and life sciences (Fujifilm and Amgen in Holly Springs, Research Triangle Park between Raleigh and Durham).

North Carolina's flat rate has come down every year since 2022: 4.99% (2022), 4.75% (2023), 4.50% (2024), 4.25% (2025) and 3.99% for 2026 and later, with further cuts from 2027 only if revenue triggers are met. Property tax is separate, with Wake County and the City of Raleigh each levying a rate on assessed value.

05: Getting around

Whether you need a car

Transit
MeasureBostonRaleighAdvantage
SystemThe MBTA: three heavy rail subway lines (Red, Orange, Blue), the Green Line light rail and the Mattapan trolley, about 150 bus routes, 12 commuter rail lines over 394 miles of track, and 8 ferry routesGoRaleigh city buses (38 fixed routes), GoTriangle regional buses to Durham, Chapel Hill, Research Triangle Park and RDU, and Amtrak's Piedmont, Carolinian and Floridian at Raleigh Union Station; no rail transit inside the cityNot directly comparable
Commute by public transit25.3% (2024)1.7% (2024)Boston
Walk or cycle to work17.4% (2024)1.5% (2024)Boston
AirportLogan International Airport (BOS), 43.2 million passengers in calendar 2025 per Massport's 2025 Year in Review, including a record 10 million international passengers, up 3.8% on 2024. It sits in East Boston, about three miles from downtown across the harbor.Raleigh-Durham International Airport (RDU), 15.6 million passengers in 2025, a record just above 2024's 15.5 million, per the Airport Authority. It sits between Raleigh and Durham, and a $1.1 billion replacement primary runway, 10,639 ft long, has been under construction since October 2023.Not directly comparable
Boston

The MBTA carried 270,715,800 unlinked trips in 2025 (APTA ridership report, as cited by Wikipedia; the APTA PDF itself refused the fetcher). Average weekday ridership in the first quarter of 2026 was 851,600, of which about 326,500 on the Red, Orange and Blue lines, 124,900 on the Green Line and Mattapan trolley and 104,000 on commuter rail. Commuter rail alone passed 29 million trips in 2025 by the MBTA and Keolis year-in-review report.

Raleigh

GoRaleigh carried 7,991,200 unlinked trips in 2025 and about 25,300 a weekday in the second quarter of 2026 (APTA ridership reports, as cited by Wikipedia). Fares came back on August 1, 2024, at $1.25 a ride after the pandemic fare-free years, and riders 65 and over or 18 and under still ride free once enrolled. The half-cent Wake Transit sales tax pays for the expansion. Its first bus rapid transit line, on New Bern Avenue east of downtown, has two of three construction phases under way, and the city expects the corridor finished by the end of 2028, with lines south to Garner, west to Cary and north to North Hills planned after it. Commuter rail between Durham and Clayton, the rail half of the same plan, met what GoTriangle calls significant feasibility challenges, and the two regional planning bodies are now studying smaller, incremental passenger rail options instead. Intercity rail is moving faster: NCDOT holds a $1.09 billion federal grant (December 2023) for the Raleigh to Wake Forest segment of the S-Line to Richmond, with bridges replacing road crossings under construction in 2026, and Amtrak counted 289,230 passengers at Raleigh Union Station in fiscal 2025.

06: Daily life

Health care, schools and what each city is like

Boston

Health care

Massachusetts has the lowest uninsured rate in the country, 2.8% in 2024 against 8.2% nationally, which is the legacy of its own 2006 coverage law and of MassHealth, the Medicaid program, expanded under the ACA. Care is still paid for through employer plans, ConnectorCare and marketplace plans, Medicare and MassHealth, and what a household pays out of pocket depends entirely on the plan. The teaching hospitals are the draw. Massachusetts General and Brigham and Women's were both named to the U.S. News 2026-2027 Best Hospitals honor roll, the top 20 in the country, with Mass General first nationally in psychiatry and McLean second, Brigham and Dana-Farber third in cancer, Brigham second in obstetrics and gynecology and eighth in neuroscience, and Mass General sixth in heart and vascular care. Beth Israel Deaconess, Tufts Medical Center, Boston Children's and the rest of the Longwood Medical Area cluster fill in the rest. Density of hospitals is not the same as an appointment: this file did not verify a wait time figure for primary or specialist care.

Education

Boston Public Schools enrolled 44,416 students in 2025-26 on the state's count, down 1,678 or 3.6% from 46,094 the year before, which itself was up from 45,742 in 2023-24. Address does not settle where a child goes. Assignment runs through a choice application, and the three exam schools, Boston Latin School, Boston Latin Academy and the John D. O'Bryant School, admit on a composite score that is 70% grade point average and 30% the MAP Growth test, with applicants competing only inside one of four socioeconomic tiers drawn from where they live. The School Committee voted 4 to 2 in November 2025 to set aside 20% of seats for the highest scorers citywide regardless of tier, and to drop the bonus points for students at high-poverty schools; the district's own simulation put Black students' share of invitations falling from 20% to 15% and white students' rising from 27% to 33%. Higher education is the city's other anchor and a large part of its economy: Boston University counted 37,737 students in fall 2024, Northeastern is the other large private university inside the city, and Harvard and MIT are across the Charles in Cambridge.

Living there

Boston is small, old and dense in a way no other city on this site is. The median home was built in 1947, 64% of occupied homes are rented, and a quarter of workers get to work on the MBTA, against about one in a hundred in Tampa. That buys a life much of the city can live without a car, and it costs the most money of the American cities here: Zillow's typical value for June 2026 is $791,816. Winter is the part people underestimate, a 49 inch snow normal and a January mean below freezing, and the housing stock that gives the city its look is the housing stock that has to be heated. The open question is on the waterfront. The Seaport was built out over the last twenty-five years on filled land at the harbor's edge, the January 2018 tide showed what a nor'easter can do at high water, and the city now designs its coastal defenses to 2070 sea levels.

Raleigh

Health care

Care is paid for through employer or individual private insurance, Medicare and Medicaid, and North Carolina expanded Medicaid on December 1, 2023; about 740,000 people are covered by the expansion. Federal changes narrow it: non-citizen eligibility rules tighten from October 1, 2026, and from January 1, 2027 most expansion adults face a work requirement of 80 hours a month (or equivalent earnings) and renewals every six months. Three systems run Raleigh's hospitals. WakeMed's Raleigh Campus is a Level I trauma center, with a Level III center at WakeMed Cary, and WakeMed describes itself as Wake County's only provider of trauma services. UNC Health Rex, founded in 1894, is the UNC Health hospital in the city, and Duke Raleigh Hospital has 204 inpatient beds for cancer, heart, neuroscience and gastrointestinal care. The academic medical centers of Duke in Durham and UNC in Chapel Hill are inside the same region. This file did not verify a wait time figure for primary or specialist care.

Education

The Wake County Public School System is one county-wide district and enrolled 160,413 students in 2025-26, 702 fewer than the year before; it projects 161,461 across 204 schools for 2026-27. More than a quarter of the county's students now attend charter or private schools or are home-schooled, according to the News & Observer. Every address has a base school, and families can also apply to magnet and year-round calendar schools. NC State University enrolled 40,503 students in fall 2025 (30,504 undergraduate, 9,999 graduate) and is the city's research university; Meredith College, William Peace University, Shaw University and Wake Technical Community College are also in Raleigh, and Duke and UNC-Chapel Hill are in Durham and Chapel Hill. Saint Augustine's University, a historically Black university in the city, filed for Chapter 11 in April 2026 after a long fight over its accreditation and is offering no classes in fall 2026.

Living there

Raleigh is a state capital and a university town at the center of a metro of 1.6 million, and most of it lives like a ring of suburbs around a compact downtown. Two workers in three drive to work alone, fewer than one in fifty rides a bus, and more than one in five works from home. The city's greenways run for more than 100 miles along its creeks and the Neuse River, yet walking and cycling together carry 1.5% of commutes. Work is spread across the Triangle rather than gathered in the city: state government and NC State in the city, Research Triangle Park between Raleigh and Durham, drug plants in Holly Springs, and Durham and Chapel Hill close enough to share the airport. Summers are long, hot and humid, with a July mean of 80.5F, and winters are mild. The open question is whether the region can build the transit its growth now calls for. The half-cent tax Wake voters approved in 2016 is paying for more buses and a first bus rapid transit line on New Bern Avenue, due by the end of 2028, but the commuter rail at the center of that plan is back at the study stage, so for now living here without a car depends on choosing exactly where to live.

07: The trade-offs

Where each city wins, and where it loses

Both cities price in US dollars, so the figures net directly. Boston's typical home value was $791,816 in June 2026 and Raleigh's $428,671 in August, both on Zillow's index of all homes and down 1.3% and 1.7% on the year. That is 8.1 times Boston's 2024 median household income of $97,791 and 5.0 times Raleigh's $85,060. At 20% down, Boston's $633,453 loan at 6.66%, Freddie Mac's August 2026 rate, costs $4,071 a month, and Raleigh's $342,937 loan at 7.03%, the rate for 24 September, about $2,288. Property tax is lower in Boston as a share of price and higher in dollars: an owner-occupier who files the residential exemption pays about $5,465 a year, 0.69%, against about $3,717 in Raleigh, 0.867%. Insurance is $230 a month against $210, neither including flood. The three lines come to about $4,756 in Boston and $2,808 in Raleigh; at Raleigh's 7.03%, Boston's would be about $4,913. Rent runs about twice as high in Boston, on two different series: a median two-bedroom of $3,425 in June 2026 against an average $1,655 in Raleigh in August. Condominium fees are estimated at $625 against $350. Neither state permits rent control, Massachusetts under MGL c.40P since 1 January 1995 and North Carolina by statute.

The two cities' crime figures point in different directions and are built differently. Boston Police counted 3,409 Part One violent offenses between 1 January and 28 December 2025, about 507 per 100,000 on 672,973 residents, and 13,120 property offenses, about 1,950. Raleigh's are the FBI's summarized counts for 2025: 2,007 violent offenses, 396 per 100,000, and 11,725 property offenses, 2,316. Boston reports more violence per resident and Raleigh more property crime, and the definitions widen Boston's side rather than narrowing it: the FBI's 2024 file gave Boston 4,138 violent offenses where the department counted 3,615, almost all of the gap in aggravated assault, and put its property rate at 2,022, still below Raleigh's for 2025. Homicide rates are close. Boston recorded 31 in 2025, about 4.6 per 100,000, up from 24 in 2024 but below its five-year average of 38.2; Raleigh recorded 25, about 4.9, after 24 in 2024 and 45 in 2022. Both are falling on the broader counts, Boston's violent offenses from 3,636 in 2023 to 3,409 and Raleigh's from 2,573 to 2,007. Every rate here is a count divided by a Census estimate, Boston's counts are preliminary until UCR coding, and Raleigh's, read on 26 September 2026, can still be revised.

Raleigh has the milder winter and Boston the cooler summer. January averages 5.5 C at Raleigh-Durham International against -1.2 C at Logan, and July 26.9 C against 23.4 C. Precipitation is close, 1,170 mm against 1,107, and on the older 1961-1990 series so is sunshine, 2,606 hours against 2,634. Snow is the separator: a normal of 13.2 cm in Raleigh, where snow is an event, against 125 cm in Boston. The hazards differ in kind. Boston's is the nor'easter at high tide. The bomb cyclone of 4 January 2018 pushed the tide gauge to 15.16 ft, past the 15.1 ft of the 1978 blizzard in records kept since 1921, and put water into the Aquarium subway station, and the city now designs 47 miles of shoreline for 36 to 40 inches of sea level rise by 2070. Raleigh's is the hurricane that arrives inland and weakened, though Fran in September 1996 did about $900 million of damage in Raleigh and Wake County, and creek flooding is its routine risk. The seasons land on the bills: an owner's utility premium over a renter is $210 a month in Boston, where the owner heats housing built mostly between 1890 and 1940, against $130 in Raleigh, mostly cooling.

Raleigh's labor market is growing and Boston's is not, though both rest on universities, research and professional work. On the same unadjusted basis unemployment in July 2026 was 3.2% in Raleigh-Cary and 4.3% in greater Boston; Raleigh's seasonally adjusted rate was 3.1%. Raleigh-Cary's 784,100 nonfarm jobs grew 2.1% on the year, led by professional and business services at 156,200 and government at 107,400, with the state capital and NC State inside it. Greater Boston's 2,747,200 grew 0.3%. Inside Boston health care led employment at 68,674 jobs in 2024, then professional and technical services at 59,267 and education at 50,798, which ties the city to federal research funding and to international student numbers. Boston pays more: city median household income was $97,791 in 2024 against $85,060, and the metro figures were $117,825 and $102,144. Income tax is close. A single filer on $100,000 pays about $18,229 in Boston, where Massachusetts charges 5% above a $4,400 personal exemption with no standard deduction, and $17,157 in Raleigh for 2025, falling to $16,651 for 2026. The top combined rate is 46% against 41.25%, because of the Massachusetts surtax, and sales tax is 6.25% in Massachusetts against 7.25% in Wake. Massachusetts also taxes estates over $2 million.

Transit is the widest gap between them. In 2024, 25.3% of Boston's workers commuted on the MBTA, 17.4% walked or cycled and only 31.3% drove alone; in Raleigh 1.7% took transit, 1.5% walked or cycled and 66.3% drove alone. Working from home runs the other way, 21.8% in Raleigh against 15.5% in Boston. The MBTA runs three heavy rail lines, the Green Line and the Mattapan trolley, about 150 bus routes, 12 commuter rail lines over 394 miles of track and 8 ferry routes, and carried 270,715,800 trips in 2025. GoRaleigh carried 7,991,200, all by bus, and there is no rail transit in the city. Raleigh's case is what Wake County's half-cent transit tax, collected since 2017, is building: a first bus rapid transit line on New Bern Avenue due by the end of 2028, with lines to Garner, Cary and North Hills planned after it, while the commuter rail in the same plan is back at the study stage. Intercity rail is closer, with the Raleigh to Wake Forest segment of the S-Line to Richmond under construction on a $1.09 billion federal grant. Logan handled 43.2 million passengers in 2025, a record 10 million of them international; RDU handled a record 15.6 million.

Massachusetts had the lowest uninsured rate in the country in 2024, 2.8% against 8.2% nationally, from its own 2006 coverage law and MassHealth. North Carolina expanded Medicaid on 1 December 2023 and about 740,000 people are covered through the expansion, though from 1 January 2027 most expansion adults face a work requirement of 80 hours a month. Mass General and Brigham and Women's are both on the U.S. News 2026-2027 honor roll, with Mass General first nationally in psychiatry. Raleigh's hospitals are WakeMed, whose Raleigh campus is a Level I trauma center, UNC Health Rex and Duke Raleigh, with the academic medical centers of Duke and UNC in Durham and Chapel Hill. Neither profile verified a wait time for care. Schools work in opposite ways. Boston Public Schools enrolled 44,416 in 2025-26, down 3.6%, and a choice application rather than an address settles assignment, with the three exam schools admitting on grades and the MAP Growth test inside four socioeconomic tiers. The Wake County Public School System enrolled 160,413, every address has a base school, and families can apply to magnets. Boston University counted 37,737 students in fall 2024, with Harvard and MIT across the Charles in Cambridge; NC State enrolled 40,503 in fall 2025.

What people underestimate is how much of Boston's cost sits outside the three lines. The residential exemption that brings the benchmark bill to $5,465 is not automatic. It takes $351,108 off the assessed value, worth about $4,354 a year at the fiscal 2026 rate of $12.40 per $1,000, and is filed with the assessors by 1 April by someone who owned and occupied the home on the previous 1 January; without it the bill is about $9,819. The owner's heat is $210 a month over a renter's against $130 in Raleigh, and maintenance budgeted at 1% of value a year is optimistic on a housing stock whose median home was built in 1947. Condominium fees, estimated at $625, run from about $300 to well over $1,000, and with no reserve statute in Massachusetts a low fee often means nothing is being put aside. Raleigh's unknowns are smaller and dated. Wake revalues every home on 1 January 2027 and every two years after, from assessments that were 95.39% of sale prices in January 2025, and its $350 condominium figure is an estimate set above the Census median association fee of $114 because that median is mostly suburban associations.

Boston

Better here

  • 25.3% of workers commuted on the MBTA in 2024 and only 31.3% drove alone, against 1.7% by transit and 66.3% driving alone in Raleigh.
  • City median household income was $97,791 in 2024 against $85,060, and the metro figure was $117,825 against $102,144.
  • Massachusetts had the country's lowest uninsured rate in 2024 at 2.8%, and Mass General and Brigham and Women's are both on the U.S. News 2026-2027 honor roll.
  • Property crime was about 1,950 per 100,000 in 2025 against 2,316 in Raleigh, and homicide about 4.6 per 100,000 against 4.9.
  • Sales tax is 6.25% statewide with no local option in 2026, against 7.25% in Wake County, and groceries, most clothing under $175 and prescription drugs are exempt.
  • Logan handled 43.2 million passengers in 2025, a record 10 million of them international, against 15.6 million at RDU.

Worse here

  • Mortgage, property tax and insurance come to about $4,756 a month at August 2026's 6.66%, and about $4,913 at Raleigh's 7.03%, against $2,808, before condominium fees and heat.
  • The typical home was $791,816 in June 2026, 8.1 times the city's 2024 median household income against 5.0 in Raleigh.
  • Reported violent crime was about 507 per 100,000 in 2025 against 396, and the FBI's 2024 file counted more violent offenses in Boston than the department did, 4,138 against 3,615.
  • Metro unemployment was 4.3% in July 2026 against 3.2% in Raleigh-Cary on the same unadjusted basis, and jobs grew 0.3% on the year against 2.1%.
  • January averages -1.2 C on a 125 cm snow normal, against 5.5 C and 13.2 cm, and the owner's utility premium is $210 a month against $130.
  • A median two-bedroom rented for $3,425 in June 2026 against a $1,655 average in Raleigh in August, and condominium fees are estimated at $625 a month against $350.

Choose Boston if

  • you would use the MBTA daily and want to live without a car
  • you work in a teaching hospital, a university lab, life sciences or asset management
  • you want coverage in the state with the country's lowest uninsured rate and the honor roll hospitals a few miles away
  • you can carry about $4,756 a month before fees and heat, and will file the residential exemption by 1 April

The Boston guide · Neighborhoods · Boston rent vs buy · Boston mortgage calculator

Raleigh

Better here

  • Mortgage, property tax and insurance come to about $2,808 a month at the 7.03% rate of 24 September 2026, against about $4,913 in Boston at the same rate.
  • The typical home was $428,671 in August 2026, 5.0 times the city's 2024 median household income against 8.1 in Boston.
  • Metro unemployment was 3.1% in July 2026, seasonally adjusted, and nonfarm jobs grew 2.1% on the year to 784,100, against 4.3% unadjusted and 0.3% growth in greater Boston.
  • Violent crime was 396 per 100,000 in 2025 on the FBI's counts, against about 507 on Boston Police's own count, which runs below the FBI's.
  • January averages 5.5 C with 13.2 cm of snow on the 1991-2020 normals, and an owner's utility premium over a renter is $130 a month against $210.
  • A two-bedroom averaged $1,655 in August 2026 against a $3,425 median in Boston in June, and a one-bedroom $1,409 against $2,877.

Worse here

  • Only 1.7% of workers commuted by transit in 2024 and 66.3% drove alone, and GoRaleigh's 7,991,200 trips in 2025 were all by bus.
  • Property crime was 2,316 per 100,000 in 2025 against about 1,950 in Boston, and homicide about 4.9 per 100,000 against 4.6.
  • City median household income was $85,060 in 2024 against $97,791 in Boston, and average weekly wages in the metro were $1,621 in the first quarter of 2026 against $1,654 nationally.
  • From 1 January 2027 most Medicaid expansion adults face a work requirement of 80 hours a month, where Massachusetts had a 2.8% uninsured rate in 2024.
  • July averages 26.9 C against 23.4 C in Boston, and Fran did about $900 million of damage in Raleigh and Wake County in September 1996.
  • RDU handled 15.6 million passengers in 2025 against 43.2 million at Logan.

Choose Raleigh if

  • you want a house at about five times local income and a carry near $2,808 a month rather than $4,756
  • you work in state government, a university, life sciences or professional services and want a job market still adding people
  • you will drive anyway and would rather have a 5.5 C January and a $130 utility premium than a subway
  • you work or get care in Durham or Chapel Hill as well as Raleigh

The Raleigh guide · Neighborhoods · Raleigh rent vs buy · Raleigh mortgage calculator

08: Questions people ask

Boston or Raleigh, in short

Is Boston or Raleigh cheaper to live in?

Raleigh, by a wide margin on every housing line. Both cities price in US dollars, so the figures net directly. Boston's typical home was $791,816 in June 2026 against Raleigh's $428,671 in August, and the mortgage at 20% down is $4,071 against about $2,288, though Boston's uses August's 6.66% rate and Raleigh's September's 7.03%. With property tax and insurance the owner's total is about $4,756 in Boston and $2,808 in Raleigh, and about $4,913 in Boston at the same 7.03%. A median two-bedroom rents for $3,425 in Boston against a $1,655 average in Raleigh. Taxes barely move it: a single filer on $100,000 pays about $18,229 in Boston and $17,157 in Raleigh for 2025, and sales tax is 6.25% against 7.25%.

Is Boston or Raleigh safer?

It depends on the crime. Boston reports more violence, about 507 violent offenses per 100,000 in 2025 on the department's own count against 396 on the FBI's count for Raleigh, and the FBI's 2024 file counted more violent offenses in Boston than the department did. Raleigh has more property crime, 2,316 per 100,000 against about 1,950. Homicide rates are close: 31 in Boston, about 4.6 per 100,000, and 25 in Raleigh, about 4.9. Both cities' violent counts have fallen since 2023. None of these are published rates, Boston's counts are preliminary until UCR coding, and Raleigh's, read on 26 September 2026, can still be revised.

Which has the better job market, Boston or Raleigh?

Raleigh's is tighter and growing; Boston's pays more and is flat. On the same unadjusted basis unemployment in July 2026 was 3.2% in Raleigh-Cary and 4.3% in greater Boston, and Raleigh-Cary's 784,100 nonfarm jobs grew 2.1% on the year against 0.3% for Boston's 2,747,200. Boston's city median household income was $97,791 in 2024 against $85,060, and its metro's $117,825 against $102,144. The work is similar in kind. Boston leads with health care, professional services and education, which ties it to federal research funding and international students; Raleigh with professional and business services and government, with Research Triangle Park, Durham, Chapel Hill and the Holly Springs drug plants in the same region.

Can you live without a car in Raleigh the way you can in Boston?

Not yet, and only in a few places. In 2024, 25.3% of Boston's workers commuted on the MBTA and 17.4% walked or cycled, with 31.3% driving alone, on three heavy rail lines, the Green Line, about 150 bus routes, 12 commuter rail lines and 8 ferry routes. In Raleigh 1.7% took transit, all by bus, 1.5% walked or cycled and 66.3% drove alone. GoRaleigh carried 7,991,200 trips in 2025 against the MBTA's 270,715,800. Raleigh's first bus rapid transit line, on New Bern Avenue, is due by the end of 2028, and its commuter rail is back at the study stage, so living without a car there depends on choosing exactly where to live.

Sources

Where the figures come from

Housing figures are the ones behind each city's calculators, dated on those pages. The rest are listed here with the date they were retrieved. See the methodology for how facts, estimates and opinion are kept apart.

  1. Boston, MA Population (2025), citing US Census Bureau PEP Vintage 2025 · Every City in the USA (compiling US Census Bureau) · retrieved
    Supports: City population, Five-year growth
  2. Resident Population in Boston-Cambridge-Newton, MA-NH (MSA), BOSPOP · FRED, Federal Reserve Bank of St. Louis (US Census Bureau data) · retrieved
    Supports: Metro population, Five-year growth
  3. Boston (2020 census count and land area) · Wikipedia · retrieved
    Supports: City population, Five-year growth
  4. Part One Crime Reported, citywide by offence and district, 1/1/2024 to 12/28/2024 vs 1/1/2025 to 12/28/2025 · Boston Police Department · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
  5. Part One Crime Reported, citywide by offence and district, 1/1/2023 to 12/29/2023 vs 1/1/2024 to 12/29/2024 · Boston Police Department · retrieved
    Supports: Crime trend
  6. Crime Stats · Boston Police Department · retrieved
    Supports: Crime trend
  7. Boston's yearly homicide rate increases 30%, from 24 killings to 31 · Boston.com · retrieved
    Supports: Homicides, Crime trend
  8. Boston leaders tout the city's low crime rate in 2025 · The Boston Globe · retrieved
    Supports: Homicides, Crime trend
  9. Boston, MA Crime Rates: Stats & Map (FBI UCR 2024 data, released September 2025) · AreaVibes · retrieved
    Supports: Violent crime rate, Property crime rate, Crime trend
  10. US Climate Normals 1991-2020, station USW00014739 Boston Logan International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals
  11. Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved
    Supports: Sunshine hours
  12. USA: Storm and High Tide Cause Coastal Flooding in North East · FloodList · retrieved
    Supports: Climate hazards
  13. Climate Ready East Boston (case study) · American Society of Landscape Architects · retrieved
    Supports: Climate hazards
  14. Coastal Resilience Planning · City of Boston · retrieved
    Supports: Climate hazards
  15. Coastal Resilience Implementation · City of Boston · retrieved
    Supports: Climate hazards, Character
  16. ACS 2024 1-year tables B08301 and B19013 for Boston city and the Boston-Cambridge-Newton MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share
  17. Boston, MA profile, ACS 2024 1-year · Census Reporter (US Census Bureau ACS) · retrieved
    Supports: Walk and cycle commute share, Median household income
  18. ACS 2024 1-year tables B25035 and B25003 for Boston city · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Character
  19. Unemployment Rate in Boston-Cambridge-Newton, MA-NH (MSA), LAUMT251446000000003 · FRED, Federal Reserve Bank of St. Louis (BLS LAUS data) · retrieved
    Supports: Unemployment rate
  20. All Employees: Total Nonfarm in Boston-Cambridge-Newton, MA-NH (MSA), SMS25144600000000001 · FRED, Federal Reserve Bank of St. Louis (BLS CES data) · retrieved
    Supports: Labour market
  21. Boston, MA · Data USA (Census ACS) · retrieved
    Supports: Main sectors, Labour market
  22. Massachusetts Tax Rates & Rankings (2026) · Tax Foundation · retrieved
    Supports: Sales tax, Top marginal income tax
  23. 2025 Tax Brackets · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  24. What is Massachusetts Income Tax? Rates & Tax Brackets · TaxAct · retrieved
    Supports: Income tax on $100,000
  25. Massachusetts Millionaire Surtax 2026, citing Department of Revenue certified thresholds · Morkel Financial · retrieved
    Supports: Top marginal income tax
  26. Don't Call it the 'Millionaires' Tax: Inflation is Raising the Bar on Who Pays Massachusetts' High-earner Levy · Massachusetts High Technology Council · retrieved
    Supports: Top marginal income tax
  27. Massachusetts State Taxes: What You'll Pay in 2026 · AARP · retrieved
    Supports: Tax notes, Top marginal income tax
  28. Residential exemption · City of Boston Assessing Department · retrieved
    Supports: Tax notes
  29. Massachusetts Bay Transportation Authority (citing the APTA ridership report and MBTA figures) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  30. MBTA Sees Over 29 Million Trips in 2025, citing the MBTA and Keolis TRACKed year-in-review · American-Rails.com · retrieved
    Supports: Transit ridership
  31. 2025 Year in Review · Massport · retrieved
    Supports: Airport passengers
  32. Explore Uninsured in Massachusetts (US Census Bureau ACS 1-year 2024) · America's Health Rankings, United Health Foundation · retrieved
    Supports: Health care
  33. Mass General Brigham Hospitals Named Among Nation's Best by U.S. News & World Report (2026-2027 rankings) · Mass General Brigham · retrieved
    Supports: Health care
  34. Enrollment Data (2025-26), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  35. Enrollment Data (2024-25), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  36. Enrollment Data (2023-24), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  37. Exam Schools Admissions FAQs · Boston Public Schools · retrieved
    Supports: Education
  38. Boston School Committee approves changes to exam school admissions · WBUR · retrieved
    Supports: Education
  39. Common Data Set 2024-2025, section B: Enrollment and Persistence (Fall 2024) · Boston University, Analytical Services & Institutional Research · retrieved
    Supports: Education
  40. Annual Estimates of the Resident Population for Incorporated Places in North Carolina: April 1, 2020 to July 1, 2025 (SUB-EST2025) · US Census Bureau · retrieved
    Supports: City population, Five-year growth, Violent crime rate, Property crime rate, Homicides
  41. Annual Resident Population Estimates and Components of Change for Metropolitan and Micropolitan Statistical Areas and Their Counties: April 1, 2020 to July 1, 2025 (CBSA-EST2025-ALLDATA) · US Census Bureau · retrieved
    Supports: Metro population, Five-year growth
  42. Annual Resident Population Estimates for Combined Statistical Areas: April 1, 2020 to July 1, 2025 (CSA-EST2025-ALLDATA) · US Census Bureau · retrieved
    Supports: Metro population
  43. Crime Data Explorer summarized agency data, Raleigh Police Department (NC0920100): violent crime, property crime and homicide, 2021-2025 · FBI · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
  44. 2025 Annual Crime Data · Raleigh Police Department · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
  45. Raleigh's Crime Data · City of Raleigh · retrieved
    Supports: Crime trend
  46. US Climate Normals 1991-2020, station USW00013722 Raleigh-Durham International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals, January 41.9F, July 80.5F and August 78.8F from the monthly series, and annual mean 61.2F, precipitation 46.07 in and snowfall 5.2 in from dataset=normals-annualseasonal-1991-2020 for the same station
  47. Raleigh's Record Snow Surprised Everyone in January 2000 · North Carolina State Climate Office · retrieved
    Supports: Climate hazards
  48. Then and Now, Fran a Standard-Bearer for Hurricane Destruction · North Carolina State Climate Office · retrieved
    Supports: Climate hazards
  49. Hurricane Fran, September 1996 · National Weather Service, Raleigh · retrieved
    Supports: Climate hazards
  50. ACS 2024 1-year tables B08301 and B19013 for Raleigh city and the Raleigh-Cary MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
  51. Unemployment Rate in Raleigh-Cary, NC (MSA), RALE537UR and RALE537URN · FRED, Federal Reserve Bank of St. Louis (BLS LAUS data) · retrieved
    Supports: Unemployment rate
  52. All Employees: Total Nonfarm in Raleigh-Cary, NC (MSA), RALE537NA · FRED, Federal Reserve Bank of St. Louis (BLS CES data) · retrieved
    Supports: Labour market
  53. Raleigh, NC, Area Economic Summary · US Bureau of Labor Statistics · retrieved
    Supports: Unemployment rate, Main sectors, Labour market
  54. FUJIFILM Diosynth Biotechnologies Expanding Manufacturing Operations in Holly Springs · Wake County Government · retrieved
    Supports: Main sectors, Labour market
  55. Amgen to add 370 jobs as part of $1B investment in Holly Springs, NC, officials say · WRAL · retrieved
    Supports: Main sectors, Labour market
  56. Current Sales and Use Tax Rates (effective July 1, 2026) · North Carolina Department of Revenue · retrieved
    Supports: Sales tax
  57. Investment in Wake County Transit System Begins · Research Triangle Park · retrieved
    Supports: Sales tax, Transit ridership
  58. Prepared Food & Beverage Tax · Wake County Tax Administration · retrieved
    Supports: Sales tax
  59. Tax Rate Schedules · North Carolina Department of Revenue · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes
  60. North Carolina Standard Deduction or North Carolina Itemized Deductions · North Carolina Department of Revenue · retrieved
    Supports: Income tax on $100,000
  61. 2025 D-401 North Carolina Individual Income Tax Instructions · North Carolina Department of Revenue · retrieved
    Supports: Income tax on $100,000
  62. 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  63. GoRaleigh (citing the APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  64. GoRaleigh Resumes Fare Collection · GoRaleigh · retrieved
    Supports: Transit ridership
  65. Raleigh City Council Awards Second Construction Contract for Wake BRT: New Bern Avenue · City of Raleigh · retrieved
    Supports: Transit ridership, Character
  66. Wake BRT: New Bern Avenue · City of Raleigh · retrieved
    Supports: Transit ridership
  67. Commuter Rail · GoTriangle · retrieved
    Supports: Transit ridership, Character
  68. Construction Advances on S-Line Rail Corridor in Wake County · North Carolina Department of Transportation · retrieved
    Supports: Transit ridership
  69. Raleigh Union Station (citing Amtrak fiscal 2025 station ridership) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  70. Just in: RDU Airport welcomed 15.6 million total passengers in 2025, up slightly from the previous year · Raleigh-Durham Airport Authority (RDU Airport on X) · retrieved
    Supports: Airport passengers
  71. Raleigh-Durham International Airport (2025 and 2024 passenger totals) · Wikipedia · retrieved
    Supports: Airport passengers
  72. Big Runway, Big Numbers, Big Progress · Raleigh-Durham International Airport · retrieved
    Supports: Airport passengers
  73. NCDHHS Launches the Know What's Next Toolkit on Medicaid Changes Starting Oct. 1, 2026 · North Carolina Department of Health and Human Services · retrieved
    Supports: Health care
  74. Trauma Centers · WakeMed Health & Hospitals · retrieved
    Supports: Health care
  75. About Duke Raleigh · Duke Health · retrieved
    Supports: Health care
  76. UNC Rex Healthcare · Wikipedia · retrieved
    Supports: Health care
  77. Wake's student enrollment has dropped overall, but pockets of growth remain · The News & Observer (via Yahoo News) · retrieved
    Supports: Education
  78. Stats and Facts · Wake County Public School System · retrieved
    Supports: Education
  79. Base Schools · Wake County Public School System · retrieved
    Supports: Education
  80. About Us (fall 2025 headcount enrollment) · North Carolina State University Catalog · retrieved
    Supports: Education
  81. Bankrupt Saint Augustine's Will Not Offer Fall Classes · Inside Higher Ed · retrieved
    Supports: Education
  82. Saint Augustine's University (North Carolina) · Wikipedia · retrieved
    Supports: Education
  83. Trails · City of Raleigh Parks, Recreation and Cultural Resources · retrieved
    Supports: Character
  84. Tax Rates by Class, fiscal year 2026 · Massachusetts Department of Revenue, Division of Local Services, Municipal Databank · retrieved
    Supports: The certified fiscal 2026 residential rate for each of the twenty-four municipalities, from Cambridge at $6.67 to Everett at $12.62, The commercial, industrial and personal property rate behind each of them, which gives the classification shift, That Arlington and Belmont charge a single rate to all classes, That fiscal 2026 is the most recent fully certified year: at the retrieval date only two of the state's 352 municipalities had a fiscal 2027 rate on the table
  85. City of Somerville FY2026 Classification Hearing, 25 November 2025, and the FY2026 Property Tax Update · Somerville Board of Assessors · retrieved
    Supports: A residential exemption of 35% of average assessed value adopted for fiscal 2026, yielding savings of up to $4,578, A minimum residential factor of 82.816, the legal minimum for the city, Form LA-4 parcel counts and assessed values by use code, from which the average Class One value of about $1,191,000 follows, That Somerville carries 7,251 condominium parcels against 2,315 single-family parcels, That life science property in this market depreciated about 20% between fiscal 2025 and fiscal 2026
  86. City Council meeting minutes, 28 October 2025: adoption of a residential exemption and minimum residential factor for fiscal 2026 · City of Malden · retrieved
    Supports: A unanimous vote to adopt a residential factor of 0.9054 and a residential exemption of 35%, raised from 30%, The council's own statement on the record that the increase is a tax shift benefiting owner-occupied households and not a tax cut, and that the shift is budget neutral, Average fiscal 2026 values of $449,000 for a condominium, $666,000 for a single family, $861,000 for a two-family and $991,000 for a three-family, That the increase from 30% to 35% is worth about $291 a year, from which the $178,684 exemption value here is derived, A Proposition 2 1/2 override under discussion for fiscal 2027 at $5.4 million and $8.2 million
  87. Residential exemption information for fiscal year 2026 · City of Chelsea Board of Assessors · retrieved
    Supports: An exemption of 35% of the average assessed value of all Class One residential parcels, $279,066 of assessed value excluded for fiscal 2026, worth $3,203.68 at the city's $11.48 rate, The 1 April 2026 filing deadline and the 1 January ownership and occupancy test
  88. Residential exemption information, fiscal year 2026 · City known as the Town of Watertown, Assessing Department · retrieved
    Supports: The maximum 35% exemption recommended by the assessors and adopted by the council for fiscal 2026, $324,715 of assessed value excluded, worth $3,961.52 at the town's $12.20 rate
  89. Residential exemptions · Town of Brookline Assessors · retrieved
    Supports: $354,974 deducted from a qualified owner-occupier's assessed value for fiscal 2026, That the exemption may be not more than 35% of the average assessed value of all Class One residential parcels and that the amount changes each year
  90. Assessor's Department: the residential exemption · City of Waltham · retrieved
    Supports: $317,643 of assessed value removed from an owner-occupied residence of up to three units for fiscal 2026, The maximum 35% exemption continued by the city council, The 1 January 2025 ownership and occupancy test for the fiscal 2026 year
  91. Assessor's office: owner-occupant residential exemption, fiscal year 2026 · City of Everett · retrieved
    Supports: $204,651 of taxable value removed from an owner-occupied parcel, worth $2,582.70 at the city's $12.62 rate
  92. Residential exemption and fiscal 2026 tax rates · City of Cambridge Assessing Department · retrieved
    Supports: A 30% residential exemption for fiscal 2026, $510,208 of assessed value, worth about $3,403, A residential rate of $6.67 per $1,000 set by the city council on 20 October 2025, the lowest in the Commonwealth
  93. Zillow Home Value Index (ZHVI), mid-tier, smoothed and seasonally adjusted: city files for all homes, single family and condominium, June 2026 · Zillow Research · retrieved
    Supports: A typical home value for each municipality, computed on one method across all twenty-four, The same series and month the Charlotte, Orlando, Palm Beach, Miami and Tampa Bay pages use, A separate single-family and condominium index for every one of these municipalities, Year-over-year change to June 2026, which is negative in three of the twenty-four
  94. Fiscal Year 2026 Fair Market Rents: Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area · United States Department of Housing and Urban Development · retrieved
    Supports: $2,476 for one bedroom, $2,941 for two and $3,526 for three, The ratios this layer uses to split the Zillow rent index by bedroom count, which differ from the Florida layers'
  95. Annual estimates of the resident population for minor civil divisions, 2020 to 2024 · United States Census Bureau, Population Estimates Program · retrieved
    Supports: 2020 census counts and 2024 estimates for each municipality, at summary level 061, That in New England the municipality is the minor civil division, so 061 rather than the place level is the right series and all 351 Massachusetts municipalities appear in it, Boston at 673,458 and Cambridge at 121,186; Belmont at 27,442 as the smallest here, Weymouth at 60,159, which would rank eleventh on this table and is outside the eleven-mile rule by three tenths of a mile
  96. Primary Mortgage Market Survey, 27 August 2026 · Freddie Mac · retrieved
    Supports: A 30-year fixed-rate mortgage averaging 6.66%
  97. Average home insurance cost in Massachusetts, 2026 · MoneyGeek and Insurance.com, on carrier rate filings · retrieved
    Supports: A Massachusetts average between roughly $1,500 and $1,900 a year against a national average near $2,800, Coastal communities running roughly a third to two thirds above the state mean, Wind and hurricane deductibles on coastal policies of 1% to 5% of dwelling value rather than a flat amount
  98. Chapter 59, Section 5C: residential exemption · Massachusetts General Laws · retrieved
    Supports: A local option exemption of not more than 35% of the average assessed value of all Class One residential parcels, The exemption applies only to a parcel that is the principal residence of the taxpayer as of 1 January, The percentage is voted annually by the municipality
  99. Chapter 59, Section 21C: Proposition 2 1/2 · Massachusetts General Laws · retrieved
    Supports: A levy ceiling of 2.5% of the total full and fair cash value of taxable property, A levy limit that may grow 2.5% a year plus certified new growth, Overrides and debt exclusions as the two ways a municipality exceeds the limit, That the cap is on the levy and not on the tax rate
  100. Chapter 59, Section 38: valuation at full and fair cash value · Massachusetts General Laws · retrieved
    Supports: Assessment at full and fair cash value, re-set annually rather than frozen at a base year, No purchase reset and no growth cap on an assessment, so a seller's bill is a fair guide to a buyer's
  101. Chapter 40, Section 56: classification and the minimum residential factor · Massachusetts General Laws · retrieved
    Supports: The power to shift part of the levy onto commercial, industrial and personal property, A ceiling of 175% of the commercial share, subject to a minimum residential factor, That the published residential rate is therefore an output of a local vote rather than a measure of what a town spends
  102. Chapter 64D, Section 1: excise upon deeds, instruments and writings · Massachusetts General Laws · retrieved
    Supports: $2.28 for each $500 of consideration, which is $4.56 per $1,000 or 0.456%, The excise falls on the person making the deed, so it is the seller's by statute, The Barnstable County rate of $2.85 per $500, which no municipality in this layer pays
  103. Chapter 40P: the Massachusetts Rent Control Prohibition Act · Massachusetts General Laws · retrieved
    Supports: No city or town may enact or enforce any control on the rent of residential property, Enacted by the 1994 ballot initiative and effective 1 January 1995, The voiding of the then-existing ordinances in Boston, Cambridge and Brookline
  104. Chapter 188: the declaration of homestead · Massachusetts General Laws · retrieved
    Supports: Protection of up to $500,000 of equity in a principal residence from most creditors on a declared homestead, and $125,000 automatically, That this is a creditor protection and not a property tax exemption, which is the confusion the caveat in lib/housing/massachusetts.ts exists to prevent
  105. Real Estate Bar Association for Massachusetts v. National Real Estate Information Services, 459 Mass. 512 · Supreme Judicial Court of Massachusetts · retrieved
    Supports: That conducting a residential real estate closing in Massachusetts is the practice of law and must be done by an attorney
  106. Homebuyer programs and down payment assistance · MassHousing · retrieved
    Supports: Down payment assistance to $30,000 generally and to $50,000 or 10% of price in Boston and the Gateway Cities
  107. ONE Mortgage · Massachusetts Housing Partnership · retrieved
    Supports: A 3% down first mortgage with no private mortgage insurance for income-eligible first-time buyers
  108. Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved
    Supports: A typical home value of $428,671 for the city of Raleigh in August 2026, $436,286 in August 2025, so a fall of 1.7% over the year
  109. Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved
    Supports: A typical single-family value of $440,555 in the city of Raleigh in August 2026, down 1.5% on the year, A typical condominium value of $270,056 in the same month, down 8.0% on the year, from the condominium file at https://files.zillowstatic.com/research/public_csvs/zhvi/City_zhvi_uc_condo_tier_0.33_0.67_sm_sa_month.csv
  110. Raleigh, NC average rent and rent trends · RentCafe / Yardi Matrix · retrieved
    Supports: An average Raleigh apartment rent of $1,588, down 1.61% from $1,613 a year earlier, updated 31 August 2026, Average rents of $1,322 studio, $1,409 one-bedroom, $1,655 two-bedroom and $2,028 three-bedroom
  111. Wake County tax rates, current to 2017 · Wake County Department of Tax Administration · retrieved
    Supports: A Wake County rate of 53.71 cents per $100 for 2026, against 51.71 cents in 2025, A City of Raleigh rate of 37.20 cents per $100 for 2026, against 35.50 cents in 2025, A Raleigh downtown municipal service district rate of 6.8 cents per $100, levied only inside the district, 2024 marked as a revaluation year
  112. Sales assessment ratio studies as of January 1, 2025 · North Carolina Department of Revenue, Local Government Division · retrieved
    Supports: Wake County last revalued in 2024, A median sales assessment ratio of 95.39% for Wake: assessed values are 95.39% of sale prices, An effective county tax rate of 0.4933% against a nominal 0.5171%, computed as rate times assessment level, A coefficient of dispersion of 8.64 for Wake, Wake's next reappraisal scheduled for 2027
  113. Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved
    Supports: An observed rent index of $1,577 for the city of Raleigh in August 2026, up 0.45% from $1,570 a year earlier
  114. Wake County commissioners adopt $2.28 billion fiscal year 2027 budget · Wake County · retrieved
    Supports: The county property tax rate rises 2 cents to 53.71 cents per $100 for FY2027, adopted 1 June 2026
  115. Raleigh leaders approve budget with property tax increase · WRAL · retrieved
    Supports: The City of Raleigh's FY2027 budget raises the property tax rate by 1.7 cents per $100
  116. Wake County shortens revaluation cycle · Wake County · retrieved
    Supports: The last revaluation took effect on 1 January 2024, The next revaluations take effect on 1 January 2027 and 1 January 2029, and every two years after that
  117. Commissioner Causey negotiates settlement on Rate Bureau's homeowners' insurance request · North Carolina Department of Insurance · retrieved
    Supports: Base rate increases of 7.5% on 1 June 2025 and 7.5% on 1 June 2026 in territory 270, the cities of Durham and Raleigh, against a Rate Bureau request of 39.8%, No further rate filing before 1 June 2027
  118. How much is homeowners insurance in Raleigh, NC? · Insure.com · retrieved
    Supports: An average Raleigh premium of $2,850 a year for $300,000 of dwelling cover, $100,000 of liability and a $1,000 deductible, updated 27 May 2026
  119. North Carolina homeowners insurance · NerdWallet · retrieved
    Supports: An average Raleigh premium of $2,420 a year and a North Carolina average of $3,025, for $400,000 of dwelling cover
  120. Renters insurance in North Carolina · NerdWallet · retrieved
    Supports: An average Raleigh renters premium of $160 a year for $30,000 of personal property
  121. Monthly homeowners' or condominium association fee, table B25143, 2024 American Community Survey 1-year estimates, Raleigh city · United States Census Bureau · retrieved
    Supports: A median monthly association fee of $114 among Raleigh owner-occupied units that pay one, 58,527 of 108,529 owner-occupied units, or 53.9%, paying such a fee, from table B25142
  122. Homebuyer assistance · City of Raleigh Housing and Neighborhoods · retrieved
    Supports: 0% deferred loans for first-time buyers at or below 80% of area median income, Up to $45,000 citywide on a home priced up to $389,500, and up to $60,000 in designated areas on a home up to $450,000
  123. Conforming loan limit values for 2026 · Federal Housing Finance Agency · retrieved
    Supports: A baseline one-unit conforming loan limit of $832,750 for 2026, which is the limit in Wake County
  124. Annual estimates of the resident population for incorporated places, 2020 to 2025 · United States Census Bureau, Population Estimates Program · retrieved
    Supports: A population of 506,306 for Raleigh on 1 July 2025, against 467,665 at the 2020 census
  125. 2025 Gazetteer files: places, North Carolina · United States Census Bureau · retrieved
    Supports: A land area of 152.263 square miles for Raleigh city, against 147.116 in the 2020 file