Orlando vs Boston: which should you move to?
Orlando or Boston? 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.
Boston's typical home was $791,816 in June 2026 and Orlando's $375,175, and on mortgage, property tax and insurance the Boston owner pays about $4,756 a month against $2,745, before condominium fees, flood cover or heat. Orlando wins on the payment and on winter: the mortgage is $2,140 a month lighter, Florida charges no state income tax, worth about $4,780 a year to a single filer on $100,000, and January averages 15.9 C against -1.2 C. Boston wins on most of what the money buys: 25.3% of its workers commuted on the MBTA in 2024 against 1.5% in Orlando, city median household income was $97,791 against $77,597, Massachusetts had the country's lowest uninsured rate at 2.8% while Florida has not expanded Medicaid, and one Orlando job in five is in leisure and hospitality at below the private-sector average. Choose Orlando if the payment and the weather settle it and you will insure against hurricanes. Choose Boston if you would use the subway daily and can carry the payment.
| Measure | Orlando | Boston | Advantage |
|---|---|---|---|
| City population | 333,888 (2025) | 672,973 (2025) | Not directly comparable |
| Metro population | 2,957,672 (2025) | 5,034,221 (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. | 8.3% (2020-2025) | -0.8% (2020-2025) | Not directly comparable |
What a home costs in each
The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.
| Measure | Orlando | Boston | Advantage |
|---|---|---|---|
| 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. | $375,175 (June 2026) | $791,816 (June 2026) | Orlando |
| Detached house benchmark Orlando publishes a single house index rather than a composite, so the two rows repeat. | $375,175 | $858,328 | Orlando |
| Apartment or condominium benchmark | Not published | $739,553 | Not directly comparable |
| Two-bedroom rent | $1,904/mo (median, June 2026) | $3,425/mo (median, June 2026) | Orlando |
| One-bedroom rent | $1,637/mo | $2,877/mo | Orlando |
| 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. | 29.4% of a year's income | 42.0% of a year's income | Orlando |
| Mortgage payment on the benchmark, 20% down 30-year amortization on American monthly compounding, the convention in both. | $1,931/mo at 6.67% | $4,071/mo at 6.66% | Orlando |
| Price to household income Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not. | 4.8× | 8.1× | Orlando |
| 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. | $6,043/yr (1.611%, 2025) | $5,465/yr (0.690%, 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. | $2,626 (seller pays) | $3,611 (seller pays) | Boston |
| Rent control A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better. | Forbidden by state law | Forbidden by state law | Not directly comparable |
Orlando: About 1.61% of what you pay for the house, which is lower than the 18.0878 mills Orlando is taxed at, and the difference is the homestead exemption rather than any assessment lag. Florida assesses at full market value and a purchase resets the assessment to the price, so there is no gap to correct for. What there is instead is an exemption: $25,000 of taxable value comes off for every taxing authority and a second slice comes off for all of them except the Orange County school district, which levies 6.4490 of the 18.0878. That second slice was $25,000 through the 2024 tax roll and has been adjusted for inflation every 1 January since, under the 2024 amendment to Article VII section 6 of the state constitution, so it is now somewhat more than $25,000. The figures here use the base amount, because the Department of Revenue sends the adjusted figure to the county property appraisers rather than publishing it. The difference is worth a few dollars a year on a bill, and the county property appraiser can tell you the amount in force. So a homesteaded buyer's first-year bill is the school millage on the price less $25,000 plus everything else on the price less $50,000, about $6,043 a year on the $375,175 typical home value here. The exemption is not automatic: you file for it with the county property appraiser by 1 March of the year after you buy, and until you do the rate is the full 1.81%. The seller's tax bill is not a guide to yours. Save Our Homes caps a homesteaded property's assessed value at 3% growth a year, and that cap resets to full market value the January after the sale, so a long-tenured owner can be taxed on a fraction of what you will be taxed on for the same house. Ask the property appraiser what the assessment would be at your purchase price, not what the current bill is. 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.
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.
| Measure | Orlando | Boston | Advantage |
|---|---|---|---|
| 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 published | Not published | Not directly comparable |
| Violent crime per 100,000 | 836 (2022) | 507 (2025) | Boston |
| Property crime per 100,000 | 4,036 (2022) | 1,950 (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. | 10 (2025) | 31 (2025) | Not directly comparable |
Orlando PD reports overall crime down 18% in 2024 and another 19% in 2025, violent crime down 10% in 2024 and 9% in 2025, and shootings with victims down 41% from 2023 to 2025. Homicides fell from 31 in 2023 to 10 in 2025. The FBI's public feed has no usable Orlando data after 2022, so these are the department's own figures.
What the rates cover: FBI Crime Data Explorer, Orlando Police Department (ORI FL0480400), 2022: 2,597 violent offenses, 835.8 per 100k. 2022 is the last year with twelve complete months in the FBI feed; 2023 through 2025 show zeros for this agency, so no FBI rate exists for those years. Orlando PD's own count of violent crime incidents (a broader in-house definition) was 6,754 in 2023 and 5,928 in 2025, which would be about 1,775 per 100k on the 2025 population.
Homicides: Orlando Police Department: 10 homicides in 2025, the lowest since 1971, down from 23 in 2024 and 31 in 2023 (OPD's 2023 figure was reported as 38 in a January 2025 release and 31 in the February 2026 release). About 3.0 per 100k on the 2025 city population. FBI CDE 2022: 32 homicides, 10.3 per 100k.
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.
Winters, summers and what the weather can do to a house
| Measure | Orlando | Boston | Advantage |
|---|---|---|---|
| January mean | 15.9 °C | -1.2 °C | Not directly comparable |
| July mean | 28.1 °C | 23.4 °C | Not directly comparable |
| Precipitation a year | 1,307 mm | 1,107 mm | Not directly comparable |
| Snowfall a year | 0 cm | 125 cm | Not directly comparable |
| Sunshine a year | Not published | 2,634 hours | Not directly comparable |
NOAA 1991-2020 normals at Orlando International Airport (USW00012815): January mean 60.6F, July mean 82.6F, annual precipitation 51.45 in, annual snowfall 0.0 in, annual mean 73.0F. June through September each average 6.4 to 8.1 in of rain. Sunshine hours are not part of the NOAA normals product and were not verified.
Hazards: Hurricanes are the main hazard: Charley (2004), Irma (2017), Ian (2022, 14 in of rain and 74 mph gusts at MCO) and Milton (2024, over 15 in of rain in parts of Central Florida plus a record one-day tornado outbreak) all damaged the area. The city sits about 100 ft above sea level and 42 mi inland, so storm surge is not a concern but inland flooding, wind damage and long power outages are. Summer heat and daily thunderstorms with lightning are routine.
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.
What people earn and what the government takes
| Measure | Orlando | Boston | Advantage |
|---|---|---|---|
| Median household income | $77,597 USD (2024) | $97,791 USD (2024) | Boston |
| Unemployment rate | 4.6% (June 2026) | 4.3% (July 2026) | Boston |
| Sales tax | 6.5% | 6.25% | 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. | 37% | 46% | Orlando |
| 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. | $13,449 USD | $18,229 USD | Orlando |
Leisure and hospitality employed 305,500 of 1,506,600 nonfarm jobs in the MSA in June 2026 (BLS CES, not seasonally adjusted, preliminary), about 20%, roughly double the national share, and those jobs pay below the private-sector average, which is why household income trails the US median despite fast job growth. Disney is the largest employer at about 77,000 in the region; AdventHealth employs about 37,700 and Lockheed Martin more than 14,000.
Main sectors: Tourism and hospitality (Disney, Universal, convention centre), Health care (AdventHealth, Orlando Health), Aerospace, defence and simulation (Lockheed Martin, Central Florida Research Park), Construction and real estate, Professional and business services.
No state or city income tax. Property tax runs around 1% of assessed value with a homestead exemption and the Save Our Homes 3% cap for owner-occupiers; not verified here.
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%.
Whether you need a car
| Measure | Orlando | Boston | Advantage |
|---|---|---|---|
| System | LYNX (bus, Orange, Osceola and Seminole counties), SunRail (commuter rail, 16 stations DeLand to Poinciana), Brightline (intercity rail from MCO to South Florida) | The 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 routes | Not directly comparable |
| Commute by public transit | 1.5% (2024) | 25.3% (2024) | Boston |
| Walk or cycle to work | 1.7% (2024) | 17.4% (2024) | Boston |
| Airport | Orlando International Airport (MCO), 57,675,573 passengers in 2025, up 0.8% on 2024, seventh busiest in the US (GOAA press release, July 28, 2026). | Logan 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. | Not directly comparable |
LYNX carried 21,476,203 passenger trips in FY2025 (October 2024 to September 2025), more than 67,000 per weekday, on 62 routes (LYNX Facts at a Glance). SunRail passed 1.2 million riders in calendar 2024, up 12% on 2023 (SunRail press release, January 2025); APTA puts 2025 at about 1.32 million. SunRail runs weekdays only.
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.
Health care, schools and what each city is like
Health care
Care is paid for through employer or marketplace insurance, Medicare and Medicaid; Florida did not expand Medicaid under the ACA, so a larger share of working adults is uninsured than in most states, and hospitality jobs often come with thin coverage. Two large non-profit systems dominate: AdventHealth Orlando (one of the biggest hospitals in the country) and Orlando Health with Orlando Regional Medical Center, the region's Level I trauma centre, plus Nemours Children's Hospital at Lake Nona and the UCF Lake Nona Hospital.
Education
The University of Central Florida enrols about 70,000 students, among the largest campuses in the US, and anchors the Central Florida Research Park; Rollins College in Winter Park and Valencia College (a two-year college with a national Aspen Prize) are the other main institutions. Orange County Public Schools is the eighth largest district in the US with roughly 200,000 students, and Florida's universal school-choice vouchers, charter schools and magnet programmes mean many families do not attend their zoned school.
Living there
Orlando is a sprawling, car-first region of master-planned subdivisions, toll roads and strip centres, with a small walkable core around Lake Eola, Thornton Park, Mills 50 and College Park, and the theme parks 15 miles southwest in a separate world of their own. Summers are long, humid and stormy, winters mild, and the population skews young and Latino, with the largest Puerto Rican community in Florida. Housing and insurance costs have risen faster than the tourism-weighted wages, and hurricane season shapes the calendar every year.
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.
Where each city wins, and where it loses
Boston's typical home value was $791,816 in June 2026, down 1.3% over the year, against Orlando's $375,175, down 2.4%, both in US dollars. With 20% down the Boston loan is $633,453 at 6.66% over 30 years, $4,071 a month, and Orlando's is $300,140 at 6.67%, $1,931. The bill attached to the loan does not follow the price. A Boston owner-occupier who files the residential exemption pays about $5,465 a year in property tax, 0.69% of the price, while a homesteaded Orlando buyer pays about $6,043, or 1.61% of a house worth less than half as much, at Orange County's 18.0878 mills. Insurance is $230 a month in Boston and $310 in Orlando, and the Orlando figure excludes flood, which is a separate policy. On those three lines the Boston owner is at about $4,756 a month ($4,071 mortgage, $455 tax, $230 insurance) and the Orlando owner at about $2,745. Condominium fees average $625 against $450. Renting is no closer: a median two-bedroom of $3,425 in Boston against $1,904, and one-bedrooms of $2,877 against $1,637. Neither state permits rent control, Massachusetts under MGL c.40P since 1 January 1995 and Florida since it closed its last exception in 2023.
The safety comparison is broken on Orlando's side, and the reason matters before the numbers do. Boston Police counted 3,409 Part One violent offences between 1 January and 28 December 2025, about 507 per 100,000 on 672,973 residents, and 13,120 property offences, about 1,950 per 100,000. For Orlando the FBI's last complete year is 2022, when it published 835.8 violent and 4,035.6 property offences per 100,000; the feed shows zeros for that agency from 2023 through 2025, so no federal rate exists for those years. Orlando Police's own tally counts violent incidents on a broader definition and came to 5,928 in 2025, roughly 1,775 per 100,000, which will not sit beside Boston's 507. Homicide is the one count kept the same way in both. Orlando recorded 10 in 2025, about 3.0 per 100,000 and its fewest since 1971, down from 31 in 2023; Boston recorded 31, about 4.6 per 100,000, up from 24 in 2024 but 16% below its five-year average of 38.2. Both departments report the direction as down, Boston on violent and property offences across three years and Orlando by 19% on overall crime in 2025. Neither rate here is published, and the FBI's 2024 file gives Boston 4,138 violent offences where the department counted 3,615.
Orlando International averages 15.9 C in January and 28.1 C in July on the 1991-2020 normals, with 1,307 mm of rain and a snow normal of zero. Boston Logan averages -1.2 C and 23.4 C, with 1,107 mm and 125 cm of snow. Orlando's rain arrives in a season, 6.4 to 8.1 inches a month from June through September with daily lightning; Boston's falls almost evenly across the twelve. Sunshine will not compare, because Boston's 2,634 hours is the older 1961-1990 series and Orlando's is not in the current normals at all. Both cities flood, from different water. Orlando's hazard is the hurricane inland: Charley in 2004, Irma in 2017, Ian in 2022 with 14 inches of rain and 74 mph gusts at the airport, and Milton in 2024 with a record one-day tornado outbreak. The city sits 42 miles inland at about 100 feet, so storm surge is not the risk; wind, standing water and multi-day power cuts are. Boston's is the nor'easter at high tide. The bomb cyclone of 4 January 2018 took the tide gauge to 15.16 ft, past the 15.1 ft of the 1978 blizzard in records kept since 1921, and the city now designs 47 miles of shoreline for 36 to 40 inches of sea level rise by 2070. Its other hazard lands on the bill: six months of heat on stock built mostly between 1890 and 1940, which puts an owner's utility premium at $210 a month against Orlando's $150.
Boston earns more and hands part of it back. City median household income was $97,791 in 2024 and the metro's $117,825, the widest city to metro gap of any US city on this site; Orlando's were $77,597 and $81,044, the gap running the other way. Unemployment was 4.3% in the Boston metro in July 2026 and 4.6% in greater Orlando in June 2026. The job mixes are close to opposites. Leisure and hospitality held 305,500 of Orlando's 1,506,600 nonfarm jobs in June 2026, about one in five and roughly double the national share, at pay below the private-sector average, which is why the income figure trails despite fast job growth. Boston's 2,747,200 metro jobs grew 0.3% over the year, and inside the city health care led at 68,674 jobs in 2024, then professional and technical services at 59,267 and education at 50,798, so its exposure is to federal research funding and international student numbers rather than to visitor traffic. Tax takes back part of Orlando's advantage. A single filer on $100,000 pays about $13,449 in Orlando, all of it federal, and $18,229 in Boston, where Massachusetts charges a flat 5% above a $4,400 personal exemption and allows no standard deduction, and where the 4% surtax over $1,083,150 of taxable income takes the combined top rate to 46%. Sales tax is 6.25% statewide in Massachusetts against 6.5% in Orange County, and Massachusetts taxes estates over $2 million where Florida taxes none.
Boston has one of the highest transit shares of any city on this site and Orlando is near the bottom. A quarter of Boston's workers, 25.3% in 2024, commute on the MBTA: 54,816 by subway, 33,703 by bus, 4,039 on commuter rail and 916 by ferry out of 378,248 workers. Another 17.4% walk or cycle, 15.5% work from home and only 31.3% drive alone, on a mean commute of 31.7 minutes. In Orlando 1.5% of city workers took transit, 1.7% walked or cycled and 13.2% worked from home. The systems say why. 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. LYNX carried 21,476,203 trips in fiscal 2025 across 62 routes, and SunRail's 16 stations from DeLand to Poinciana run weekdays only, at about 1.2 million riders in 2024. The airports reverse the ranking. Orlando International handled 57,675,573 passengers in 2025, up 0.8% and seventh busiest in the country, with Brightline running from it to South Florida; Logan handled 43.2 million, a record 10 million of them international, three miles from downtown across the harbor.
Massachusetts has the lowest uninsured rate in the country, 2.8% in 2024 against 8.2% nationally, from its own 2006 coverage law and MassHealth. Florida has not expanded Medicaid, so a larger share of working adults in Orlando is uninsured and hospitality jobs often come with thin coverage, which makes the plan part of the salary. 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. Orlando has two large non-profits, AdventHealth Orlando and Orlando Health, whose Orlando Regional Medical Center is the region's Level I trauma centre, plus Nemours Children's at Lake Nona. Neither city's profile verified a wait time for an appointment. Schools work in opposite ways. Boston Public Schools enrolled 44,416 students in 2025-26, down 3.6%, and an address does not settle assignment: a choice application does, and the three exam schools admit on 70% grade point average and 30% the MAP Growth test inside four socioeconomic tiers, which the School Committee voted in November 2025 to cut across by awarding 20% of seats citywide. Orange County Public Schools is the eighth largest district in the country at roughly 200,000 students, and Florida's universal vouchers, charters and magnets mean many families never use their zoned school. UCF enrols about 70,000 against Boston University's 37,737 in fall 2024. Boston's median home was built in 1947 and 64% of its occupied homes are rented; Orlando's walkable parts are Lake Eola, Thornton Park, Mills 50 and College Park, with subdivisions and toll roads between them.
The underestimated item is what the tax bill does after the closing, because the two states do the opposite thing and neither shows on a listing. Florida's Save Our Homes caps a homesteaded assessment at 3% growth a year and resets it to full market value the January after a sale, so an Orlando seller's bill tells you nothing about yours; ask the Orange County property appraiser what the assessment would be at your purchase price. Much of the newer housing in this metro also carries a community development district assessment of roughly $1,200 to $3,000 a year, which appears on no millage table and is not inside the 18.0878 mills. Massachusetts reassesses the whole residential class at full and fair cash value every year, with no cap and no reset on sale, so a Boston seller's bill is a fair guide to yours. What is not automatic there is the residential exemption: $351,108 off the assessed value of an owner-occupied home, worth about $4,354 a year at the fiscal 2026 rate of $12.40 per $1,000, filed with the assessors by 1 April by someone who owned and occupied the home on the previous 1 January. Miss the first year and the bill on the benchmark is about $9,819 rather than $5,465, more than the whole Orlando bill. Massachusetts also charges a buyer no transfer tax and no mortgage recording or intangible tax, puts the deeds excise of $4.56 per $1,000 on the seller and requires a lawyer at the closing, where a Florida buyer pays 0.35% documentary stamp tax and 0.2% intangible tax on the loan.
Better here
- The typical home cost $375,175 in June 2026 against Boston's $791,816, and the mortgage on a $300,140 loan is $1,931 a month against $4,071.
- Mortgage, property tax and insurance come to about $2,745 a month against about $4,756 in Boston.
- Florida charges no state income tax and no estate tax: a single filer on $100,000 pays about $13,449 against $18,229 in Boston.
- January averages 15.9 C on a snow normal of zero, against -1.2 C and 125 cm, and the owner's utility premium is $150 a month against $210.
- Homicides fell to 10 in 2025, about 3.0 per 100,000 and the fewest since 1971, against 31 in Boston, about 4.6 per 100,000.
- A median two-bedroom rented for $1,904 in June 2026 against $3,425, and the city grew 8.3% between 2020 and 2025 while Boston shrank 0.8%.
Worse here
- Property tax on the benchmark is about $6,043 a year, 1.61% of the price, against about $5,465 for a Boston owner-occupier at 0.69% on a house worth more than twice as much.
- Insurance is $310 a month against $230 and excludes flood; Charley, Irma, Ian and Milton all damaged the area between 2004 and 2024.
- Transit carried 1.5% of city workers in 2024 against Boston's 25.3%, and SunRail runs weekdays only.
- City median household income was $77,597 in 2024 against $97,791, because leisure and hospitality holds about one job in five at below the private-sector average.
- Florida has not expanded Medicaid, while Massachusetts had the country's lowest uninsured rate at 2.8% in 2024.
- The FBI's feed carries no complete Orlando Police data after 2022, so there is no current independent violent or property rate to set against Boston's.
Choose Orlando if
- you want the lower purchase price and about $2,000 a month less on mortgage, tax and insurance
- you would rather owe no state income tax than have a train to work
- you want a January at 15.9 C and will plan a hurricane season instead of a winter
- you work in tourism, hospitality, simulation or aerospace, or remotely, and are content to drive to it
- you fly often enough that MCO's 57,675,573 passengers and the Brightline link matter
The Orlando guide · Neighborhoods · Orlando rent vs buy · Orlando mortgage calculator
Better here
- 25.3% of workers commuted on the MBTA in 2024 and only 31.3% drove alone, against a 1.5% transit share in Orlando.
- Property tax on the benchmark is about $5,465 a year for an owner-occupier who files the residential exemption, 0.69% of the price against Orlando's 1.61%, and insurance is $230 a month against $310.
- City median household income was $97,791 in 2024 against Orlando's $77,597, and the metro's was $117,825.
- 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.
- Hospitals and universities carry the payroll rather than visitors: health care led city employment at 68,674 jobs in 2024, against 305,500 leisure and hospitality jobs in greater Orlando.
- Assessment is at full and fair cash value every year with no cap and no reset on sale, so the seller's bill is a fair guide to yours.
Worse here
- The typical home cost $791,816 in June 2026, more than twice Orlando's $375,175, and the mortgage on a $633,453 loan is $4,071 a month against $1,931.
- Mortgage, tax and insurance come to about $4,756 a month before condominium fees and heat, and a median two-bedroom rents for $3,425 against $1,904.
- Massachusetts income tax costs a single filer on $100,000 about $4,780 a year that Florida does not charge, and the state taxes estates over $2 million.
- Reported violent crime was about 507 per 100,000 in 2025 and homicides rose from 24 to 31, against 10 in Orlando.
- January averages -1.2 C on a 125 cm snow normal, and the owner pays $210 a month more in utilities than a renter, the highest figure on this site.
- Metro employment grew 0.3% in the year to July 2026 and the city's population is 0.8% below its 2020 level, while Orlando's is 8.3% above.
Choose Boston if
- you would use the MBTA daily and would rather give up a car than pay for a parking space
- your work is in a hospital, a university lab, life sciences or asset management rather than a resort
- the country's lowest uninsured rate matters to you more than the lowest tax bill
- you would rather pay a predictable full-value assessment than find out what Save Our Homes resets to
- you can carry about $4,756 a month and would rather pay for heat than for windstorm cover
The Boston guide · Neighborhoods · Boston rent vs buy · Boston mortgage calculator
Orlando or Boston, in short
Is Orlando or Boston cheaper to live in?
Orlando, by a wide margin. The typical home was $375,175 in Orlando and $791,816 in Boston in June 2026, giving mortgages of $1,931 and $4,071 a month with 20% down. Boston's property tax is the lighter of the two even in dollars, about $5,465 a year for an owner who files the residential exemption against Orlando's $6,043, and insurance is $230 a month against $310, but on the three lines together the Boston owner is at about $4,756 a month and the Orlando owner at about $2,745. A median two-bedroom rents for $1,904 against $3,425. Orlando's other saving is income tax, about $4,780 a year on $100,000.
Is Orlando or Boston safer?
Only homicide can be answered cleanly. Orlando Police recorded 10 homicides in 2025, about 3.0 per 100,000 and the fewest since 1971; Boston Police recorded 31, about 4.6 per 100,000, up from 24 in 2024 but below the five-year average of 38.2. Beyond that the two do not line up. Boston counted 3,409 Part One violent offences in its 1 January to 28 December 2025 report, about 507 per 100,000, and 13,120 property offences, about 1,950 per 100,000. Orlando's last complete FBI year is 2022, at 835.8 violent and 4,035.6 property offences per 100,000, and its own 2025 tally uses a broader definition, landing near 1,775 per 100,000. None of these are published rates.
Which has the better climate, Orlando or Boston?
It depends on which season you mind. Orlando averages 15.9 C in January and 28.1 C in July with no snow; Boston averages -1.2 C and 23.4 C on a 125 cm snow normal. Orlando is the wetter at 1,307 mm a year against 1,107 mm, and its rain is concentrated in the summer months while Boston's is spread evenly. Sunshine cannot be compared, since Boston's 2,634 hours comes from the 1961-1990 series and Orlando's is not published in the current normals. The hazards differ more than the temperatures: inland hurricane wind, flooding and long power cuts in Orlando, as Ian and Milton showed, against nor'easters at high tide in Boston, as the January 2018 bomb cyclone did.
What does a tourism economy against a hospital and university economy mean for pay and job security?
It sets the wage floor and it decides what a downturn looks like. Leisure and hospitality held 305,500 of greater Orlando's 1,506,600 nonfarm jobs in June 2026, about one in five and roughly double the national share, at pay below the private-sector average, which is the main reason city median household income was $77,597 in 2024 against Boston's $97,791. Disney alone employs about 77,000 in the region, so a slow travel year reaches the local payroll quickly. Boston's exposure is different rather than absent: health care led city employment at 68,674 jobs in 2024, ahead of professional services and education, which ties the city to federal research funding and to how many international students arrive, and metro employment grew only 0.3% in the year to July 2026. Orlando's non-tourism employers are real too: AdventHealth at about 37,700, Orlando Health, Lockheed Martin with more than 14,000 and the simulation cluster at Central Florida Research Park.
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.
- Annual Estimates of the Resident Population for Incorporated Places in Florida: April 1, 2020 to July 1, 2025 (SUB-EST2025) · US Census Bureau · retrieved Supports: City population, Five-year growth, crime.homicides rate
- Annual Resident Population Estimates for Metropolitan and Micropolitan Statistical Areas: April 1, 2020 to July 1, 2025 (CBSA-EST2025-ALLDATA) · US Census Bureau · retrieved Supports: Metro population, Five-year growth
- Crime Data Explorer, Orlando Police Department summarized offenses (violent crime, property crime, homicide), 2021-2025 · FBI · retrieved Supports: Violent crime rate, Property crime rate, crime.homicides 2022
- Proactive policing in Orlando yields significant crime reductions · WFTV · retrieved Supports: Homicides, Crime trend, crime notes
- Police say crimes, including homicides, declining in Orlando · Spectrum News 13 · retrieved Supports: Homicides, Crime trend
- Orlando Police: 2025 violent crime down 9 percent in the City Beautiful · Headline Surfer · retrieved Supports: Crime trend, crime.homicides 2024
- Orlando Police Department releases 2024 crime statistics · WFTV via Yahoo News · retrieved Supports: Crime trend
- U.S. Climate Normals 1991-2020, station USW00012815 (Orlando International Airport), monthly and annual · NOAA NCEI · retrieved Supports: January mean, July mean, Annual precipitation, Annual snowfall
- Orlando, Florida (climate and hurricane history) · Wikipedia · retrieved Supports: Climate hazards, character
- Hurricane Milton · Wikipedia · retrieved Supports: Climate hazards
- ACS 2024 1-year, tables B19013 and B08301, Orlando city and Orlando-Kissimmee-Sanford MSA · US Census Bureau via Census Reporter API · retrieved Supports: Median household income, Transit commute share, Walk and cycle commute share
- Local Area Unemployment Statistics, series LAUMT123674000000003 (Orlando-Kissimmee-Sanford MSA unemployment rate) · US Bureau of Labor Statistics · retrieved Supports: Unemployment rate
- Current Employment Statistics, series SMU12367400000000001 and SMU12367407000000001 (Orlando MSA total nonfarm and leisure and hospitality) · US Bureau of Labor Statistics · retrieved Supports: Labour market
- Top employers and talent report search results (Disney, AdventHealth, Lockheed Martin employment) · Orlando Economic Partnership · retrieved Supports: Main sectors, Labour market
- Orange County, Florida sales tax rate 2026 · Avalara · retrieved Supports: Sales tax
- 2025 Tax Brackets · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- Facts at a Glance · LYNX (Central Florida Regional Transportation Authority) · retrieved Supports: Transit system, Transit ridership
- SunRail Ridership Grows to 1.2 Million Riders in 2024 · SunRail · retrieved Supports: Transit ridership
- Orlando International Moves Up In 2025 National Rankings for Busiest Airport · Greater Orlando Aviation Authority · retrieved Supports: Airport passengers
- 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
- 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
- Boston (2020 census count and land area) · Wikipedia · retrieved Supports: City population, Five-year growth
- 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
- 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
- Crime Stats · Boston Police Department · retrieved Supports: Crime trend
- Boston's yearly homicide rate increases 30%, from 24 killings to 31 · Boston.com · retrieved Supports: Homicides, Crime trend
- Boston leaders tout the city's low crime rate in 2025 · The Boston Globe · retrieved Supports: Homicides, Crime trend
- Boston, MA Crime Rates: Stats & Map (FBI UCR 2024 data, released September 2025) · AreaVibes · retrieved Supports: Violent crime rate, Property crime rate, Crime trend
- 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
- Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved Supports: Sunshine hours
- USA: Storm and High Tide Cause Coastal Flooding in North East · FloodList · retrieved Supports: Climate hazards
- Climate Ready East Boston (case study) · American Society of Landscape Architects · retrieved Supports: Climate hazards
- Coastal Resilience Planning · City of Boston · retrieved Supports: Climate hazards
- Coastal Resilience Implementation · City of Boston · retrieved Supports: Climate hazards, Character
- 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
- Boston, MA profile, ACS 2024 1-year · Census Reporter (US Census Bureau ACS) · retrieved Supports: Walk and cycle commute share, Median household income
- ACS 2024 1-year tables B25035 and B25003 for Boston city · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Character
- Unemployment Rate in Boston-Cambridge-Newton, MA-NH (MSA), LAUMT251446000000003 · FRED, Federal Reserve Bank of St. Louis (BLS LAUS data) · retrieved Supports: Unemployment rate
- 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
- Boston, MA · Data USA (Census ACS) · retrieved Supports: Main sectors, Labour market
- Massachusetts Tax Rates & Rankings (2026) · Tax Foundation · retrieved Supports: Sales tax, Top marginal income tax
- What is Massachusetts Income Tax? Rates & Tax Brackets · TaxAct · retrieved Supports: Income tax on $100,000
- Massachusetts Millionaire Surtax 2026, citing Department of Revenue certified thresholds · Morkel Financial · retrieved Supports: Top marginal income tax
- 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
- Massachusetts State Taxes: What You'll Pay in 2026 · AARP · retrieved Supports: Tax notes, Top marginal income tax
- Residential exemption · City of Boston Assessing Department · retrieved Supports: Tax notes
- Massachusetts Bay Transportation Authority (citing the APTA ridership report and MBTA figures) · Wikipedia · retrieved Supports: Transit system, Transit ridership
- MBTA Sees Over 29 Million Trips in 2025, citing the MBTA and Keolis TRACKed year-in-review · American-Rails.com · retrieved Supports: Transit ridership
- 2025 Year in Review · Massport · retrieved Supports: Airport passengers
- Explore Uninsured in Massachusetts (US Census Bureau ACS 1-year 2024) · America's Health Rankings, United Health Foundation · retrieved Supports: Health care
- 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
- Enrollment Data (2025-26), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved Supports: Education
- Enrollment Data (2024-25), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved Supports: Education
- Enrollment Data (2023-24), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved Supports: Education
- Exam Schools Admissions FAQs · Boston Public Schools · retrieved Supports: Education
- Boston School Committee approves changes to exam school admissions · WBUR · retrieved Supports: Education
- Common Data Set 2024-2025, section B: Enrollment and Persistence (Fall 2024) · Boston University, Analytical Services & Institutional Research · retrieved Supports: Education
- Zillow Home Value Index (ZHVI), all homes, mid-tier, smoothed and seasonally adjusted: city file, June 2026 · Zillow Research · retrieved Supports: A typical home value for the 35th to 65th percentile of each municipality's market, computed on one method across all twenty-four, Year-over-year change to June 2026, which is negative in twenty-two of the twenty-four, The same series and month the Charlotte metro pages use, so the two American metros can be read against each other
- 2025 Final Millage Rates · Orange County Property Appraiser · retrieved Supports: Orange County general at 4.4347 mills, the library district at 0.3748 and the St Johns River Water Management District at 0.1793, School state and local levies totalling 6.449 mills, Municipal rates from Windermere's 3.7425 to Eatonville's 7.2938, A published total against every mill code, including Winter Park's 15.3615 on codes 2, 4 and 6, Maitland's 16.3055 on code 6, and Windermere's 15.2311 on code 35 and 15.4839 on code 75, A blank library column on every Winter Park and Maitland code, which is what puts both municipalities outside the district
- Special taxing district information: the Orange County Library District's boundary · Orange County Library System · retrieved Supports: The district's boundary is Orange County exclusive of Winter Park and Maitland, each of which operates its own library, Laws of Florida chapter 99-486 as the enabling act behind it
- Final 2025 Millage Rates, fiscal year 2025-26 · Seminole County Property Appraiser · retrieved Supports: Total millage by taxing authority for every Seminole municipality, from Lake Mary's 14.3929 to Casselberry's 18.1808, School required local and discretionary levies totalling 5.2490 mills, The county fire and road MSTUs, which apply in the unincorporated area and in some cities but not others
- 2025 Final Millage Rates · Osceola County Property Appraiser · retrieved Supports: Kissimmee at 17.4114 mills and Saint Cloud at 17.8989, School levies totalling 5.3060 mills across required local, discretionary and capital, Dozens of separate municipal service taxing units in the unincorporated county, from 0.13 to 12.42 mills, which is why an unincorporated Osceola address cannot be given one rate
- 2025 Final Millage Rates by district, and the 2025 Final Millage Rates and Values Comparison Sheet · Lake County Property Appraiser · retrieved Supports: Total millage for every Lake municipality, from Leesburg's 15.9477 to Eustis's 19.8623, Leesburg's own adopted rate of 3.4752 mills, on the district sheet and again as the 2025 adopted rate on the comparison sheet, School board state and local levies totalling 6.0850 mills, The county fire, ambulance and stormwater MSTUs and which municipalities are subject to them, including that an incorporated city pays neither the fire nor the stormwater MSTU
- Annual estimates of the resident population for incorporated places, 2020 to 2024 · United States Census Bureau, Population Estimates Program · retrieved Supports: 2020 census counts and 2024 population estimates for each municipality, Leesburg's growth from 27,011 to 37,815, the fastest in the metro in percentage terms, Orlando at 334,854, which is twelve percent of its own metropolitan area
- Primary Mortgage Market Survey · Freddie Mac · retrieved Supports: 30-year fixed-rate mortgage averaging 6.67%
- Average cost of homeowners insurance in Florida, 2026 · MoneyGeek · retrieved Supports: A Florida average of about $3,815 a year against a national average of about $2,543, Orange County premiums in the $3,200 to $4,500 range, at the cheaper end of the state because the metro is inland
- 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 applies in every county in this metro
- Documentary stamp tax · Florida Department of Revenue · retrieved Supports: 70 cents per $100 on a deed, in every county except Miami-Dade, which charges 60 cents plus a 45-cent surtax, 35 cents per $100 on a promissory note or other written obligation to pay money
- Governmental leasehold intangible personal property tax and the non-recurring intangible tax on mortgages · Florida Department of Revenue · retrieved Supports: A non-recurring intangible tax of 2 mills: 0.2%, on the obligation secured by a mortgage on Florida real property
- Property tax exemptions and additional benefits · Florida Department of Revenue · retrieved Supports: A $25,000 homestead exemption applying to all taxing authorities and a second slice, $25,000 in the 2024 base year and adjusted for inflation each 1 January since, applying to all but the school district, The Save Our Homes assessment limitation of 3% or the change in CPI, whichever is lower, Portability of up to $500,000 of accrued Save Our Homes benefit to a new homestead, The 1 March filing deadline
- Chapter 2023-17, Laws of Florida: preemption of rent control · The Florida Senate · retrieved Supports: The repeal of the referendum exception that had allowed a local rent control ordinance in a declared housing emergency
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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'
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- ONE Mortgage · Massachusetts Housing Partnership · retrieved Supports: A 3% down first mortgage with no private mortgage insurance for income-eligible first-time buyers