Rent affordability
How much rent can you afford in Cambridge, MA?
You need an income of about $89,040 a year to rent a typical 1-bedroom in Cambridge under the 30% rule. That apartment rents for about $1,929 a month in the Boston-Cambridge-Newton, MA-NH metro as of August 2026, plus about $297 for utilities, internet, and renters insurance. At Cambridge's median household income of $130,748, the rule leaves about $2,971 a month for rent.
- Metro 1-bedroom
- $1,929 / month
- Income needed
- $89,040 / year
- Housing share
- 20% of gross
- Apartment utilities
- $187 / month
Max rent in Cambridge, MA
$2,971/mo
30% of gross income is $3,268 a month. Utilities, internet, and renters insurance take $297, which leaves $2,971 for rent.
A typical 1-bedroom in the Boston metro rents for about $1,929, $1,042 under your max.
- Take-home
- $7,841/moAfter estimated federal tax, state tax, and FICA.
- Move-in cash
- $8,913First month, a one-month deposit, and a one-month broker fee if you use one, at your max rent.
- Landlord screen
- $3,631/moHighest rent if a landlord wants income of 36× the rent.
Monthly budget
Where take-home pay of $7,841 goes at your max rent of $2,971. Each slice is its share of take-home.
- Rent38%$2,971
- Electric, gas, water3%$187
- Internet1%$96
- Renters insurance<1%$14
- Left over58%$4,573
Housing comes to $3,268 a month, 30% of gross income and 42% of take-home. That leaves $4,573 for food, transportation, savings, and everything else.
Search Cambridge, MA
Find 1-bedrooms in Cambridge, MA under $2,950
Rounded down from your max rent of $2,971.
What renters in Cambridge pay and earn
Of the 49,444 households in Cambridge, 67% rent. The median renter household earns $112,497 a year. Median gross rent, which is rent plus utilities across every lease including ones signed years ago, is $2,787 a month. 45% of renters spend 30% or more of income on rent and utilities, and 21% spend half or more.
The Boston-Cambridge-Newton, MA-NH metro's 1-bedroom asking rent of $1,929 is 23% below the $2,507 median gross rent for a 1-bedroom in Cambridge, which includes utilities.
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024, for Cambridge city, Massachusetts. See how Cambridge compares in the affordability rankings.
Rent in Cambridge
These rents are the Boston-Cambridge-Newton, MA-NH metro medians. Cambridge does not have its own rent series. Updated August 2026, +0.3% from a year earlier. The 1-bedroom median moved from $1,924 in August 2025 to $1,929 in August 2026. The 2-bedroom median moved from $2,394 in August 2025 to $2,401 in August 2026. Studio and 3-bedroom figures are estimates scaled from the published 1- and 2-bedroom medians.
This series is the metro median from Apartment List, not a single building. brightplace also stores each community's asking rent from daily listing scrapes. That history stays on the property page, because a building's price is not the city median. brightplace lists 35 apartment communities with units available in Cambridge, about 2,208 apartments in all. Browse communities in Cambridge.
How median rent changed
Each point is the overall median asking rent for one month. The vertical scale runs from the low to the high in this period, not from zero. Percentages on the right are the change since August 2025, marked by the dashed line.
Boston-Cambridge-Newton, MA-NH median rent: $2,263 in August 2025 to $2,269 in August 2026, up 0.3%. Low $2,133, high $2,272. 1-bedroom $1,929 in August 2026. 2-bedroom $2,401 in August 2026.
| Month | Overall | 1-bedroom | 2-bedroom |
|---|---|---|---|
| August 2025 | $2,263 | $1,924 | $2,394 |
| September 2025 | $2,245 | $1,909 | $2,376 |
| October 2025 | $2,211 | $1,880 | $2,340 |
| November 2025 | $2,171 | $1,845 | $2,297 |
| December 2025 | $2,140 | $1,819 | $2,264 |
| January 2026 | $2,133 | $1,813 | $2,257 |
| February 2026 | $2,141 | $1,820 | $2,265 |
| March 2026 | $2,163 | $1,839 | $2,289 |
| April 2026 | $2,194 | $1,865 | $2,321 |
| May 2026 | $2,233 | $1,898 | $2,362 |
| June 2026 | $2,260 | $1,921 | $2,391 |
| July 2026 | $2,272 | $1,932 | $2,404 |
| August 2026 | $2,269 | $1,929 | $2,401 |
True monthly cost
What a typical apartment costs each month at the metro median rent: rent plus an apartment utility estimate, state-average internet, and state-average renters insurance. Studio and 3-bedroom rents are estimates. Utilities and insurance are estimates, not a quote from a building.
| Cost | Studio | 1-bedroom | 2-bedroom | 3-bedroom |
|---|---|---|---|---|
| Rent | $1,744 | $1,929 | $2,401 | $3,411 |
| Utilities (estimate) | $169 | $187 | $275 | $390 |
| Internet (estimate) | $96 | $96 | $96 | $96 |
| Renters insurance (estimate) | $14 | $14 | $14 | $14 |
| Total | $2,023 | $2,226 | $2,786 | $3,911 |
The household utility median in Cambridge is $508 a month. Apartment bills are lower than that all-household figure, so the estimate scales a national apartment baseline instead of using it directly.
Take-home pay and max rent
Single filer, standard deduction, estimated Massachusetts income tax and FICA. Max rent is 30% of gross minus about $297 a month for 1-bedroom utilities, internet, and renters insurance. The landlord column is the highest rent when a landlord wants income of 36× the rent.
| Gross income | Take-home / month | Max rent | Landlord screen |
|---|---|---|---|
| $40,000 | $2,693 | $703 | $1,111 |
| $60,000 | $3,949 | $1,203 | $1,666 |
| $80,000 | $5,093 | $1,703 | $2,222 |
| $100,000 | $6,182 | $2,203 | $2,777 |
Rent versus buying in the metro
The monthly cost of the median-priced home in Boston-Cambridge-Newton, MA-NH was about $5,976, which is $3,707 more than the $2,269 median rent. That ownership cost was down 0.3% from a year earlier. The metro's price-to-income ratio is 6.35. The ratio was unchanged from a year earlier. Over five years it was up 11.2%. This is a metro-level comparison from Harvard's Joint Center for Housing Studies, not a payment on a specific house.
Household income in Cambridge
The calculator starts from Cambridge's median household income of $130,748 (±$3,564), the Census Bureau's 2020–2024 estimate for Cambridge city, Massachusetts. The 5-year series is the one the Census publishes for every city. The 1-year figures below are newer but cover only larger areas. The U.S. Census Bureau's 2024 American Community Survey 1-year estimates put median household income at $117,825 in the Boston-Cambridge-Newton, MA-NH metro (up 3.4% from 2023) and $104,828 in Massachusetts (up 2.0% from 2023).
Household utility bills in Massachusetts
These are typical monthly bills for all household types in Massachusetts, not an apartment quote. The rent calculator uses a smaller apartment estimate for electricity, gas, water, sewer, and trash, plus the internet row. The all-household core of those housing bills is $394 a month.
| Bill | Monthly |
|---|---|
| Electricity | $147 |
| Natural gas | $110 |
| Water | $39 |
| Sewer | $36 |
| Trash | $62 |
| Internet | $96 |
Nearby and similar cities
Cambridge's median household utility bill runs 19% above Boston. Rent on this page is the Boston metro median, which covers Cambridge.
In brightplace's rent affordability rankings, the Boston metro is 156 of 218: a typical 1-bedroom with utilities takes 37% of the median renter household's income in Boston.
Questions about renting in Cambridge
How much rent can I afford in Cambridge, MA?
Keep rent, utilities, internet, and renters insurance within 30% of gross income. At Cambridge's median household income of $130,748, that leaves about $2,971 a month for rent. A typical 1-bedroom in the Boston-Cambridge-Newton, MA-NH metro rents for about $1,929 as of August 2026, and the other costs add about $297, so it calls for about $89,040 a year.
What salary do you need to live in Cambridge?
To keep a typical 1-bedroom within 30% of gross income in Cambridge, you need about $89,040 a year: $1,929 in rent plus about $297 for utilities, internet, and renters insurance. A 2-bedroom at the metro median of $2,401 needs about $111,440. The median renter household in Cambridge earns $112,497 a year, per Census estimates for 2020–2024.
How much rent can I afford on $60,000 a year in Cambridge?
On $60,000 a year, the 30% rule allows $1,500 a month for housing. After about $297 for utilities, internet, and renters insurance, that leaves about $1,203 for rent, $726 less than the $1,929 typical 1-bedroom in the Boston-Cambridge-Newton, MA-NH metro. A single filer in Massachusetts takes home about $3,949 a month after estimated federal and Massachusetts income tax and FICA. This is an estimate, not tax advice.
What income do landlords require in Cambridge?
Many landlords in Massachusetts screen for gross annual income of about 36 times the monthly rent, the same as three times the rent each month. For a $1,929 1-bedroom, that is about $69,444 a year. Requirements vary by building, so check the listing before paying an application fee.
What is the average rent in Cambridge?
In the Boston-Cambridge-Newton, MA-NH metro, which includes Cambridge, MA, estimated median rent as of August 2026 is $2,269 overall, $1,929 for a 1-bedroom, $2,401 for a 2-bedroom. Overall rent is +0.3% from a year earlier. The Census Bureau's 2020–2024 median gross rent in Cambridge, which counts utilities and leases signed years ago, is $2,787 a month.
How much are utilities for an apartment in Cambridge?
A 1-bedroom apartment in Cambridge, MA is estimated at about $187 a month for electricity, gas, and water, before internet. That scales a national apartment baseline by the local household utility median of $508. Actual bills depend on the building, what the lease includes, and how much you use.
Methodology and sources
Updated . Max rent is 30% of gross monthly income minus estimated utilities, internet, renters insurance, and any fees you enter. If you enter other bills, max rent also keeps housing plus those bills within 36% of gross income, a debt-to-income ratio lenders generally consider good. Federal tax uses 2026 brackets and the standard deduction. State tax uses 2025 single-filer brackets on gross income; married thresholds are doubled. FICA includes Social Security up to the 2026 wage base and Additional Medicare Tax. None of this is tax, legal, or housing advice. Read the financial disclosure.
- Apartment List Rent Estimates, August 2026 release
- IRS tax year 2026 brackets and standard deduction, including One Big Beautiful Bill adjustments
- Tax Foundation, 2025 State Individual Income Tax Rates and Brackets
- Insurance Information Institute and NAIC, 2025 homeowners and renters insurance data
- doxoINSIGHTS 2025 U.S. Utilities Market Size and Household Spending Report
- brightplace apartment utility reference (national baselines by unit size)
- HUD cost-burden thresholds and common landlord income screens
- U.S. Census Bureau, 2024 American Community Survey 1-year estimates (ACSBR-025)
- Compiled from public utility cost surveys and bill-pay data, 2025
- Harvard Joint Center for Housing Studies, State of the Nation's Housing 2026
- U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B19013, B25003, B25031, B25064, B25070, and B25119)