Monthly Budget in Lowell for a Family of Four
What it costs two adults, two children to live in Lowell, MA in 2026.
$5,139
Total Monthly
$11,420
Salary Needed
110
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (3BR apartment) | $1,980 |
| Essential | Groceries & household supplies | $118 |
| Essential | Utilities (electric, gas, water) | $34 |
| Essential | Transportation (gas, transit, maintenance) | $61 |
| Essential | Car insurance | $421 |
| Essential | Health insurance (family plan) | $169 |
| Lifestyle | Internet & streaming | $83 |
| Lifestyle | Phone plan (4 lines) | $238 |
| Lifestyle | Dining out & takeout | $385 |
| Lifestyle | Entertainment & recreation | $330 |
| Essential | Childcare (2 children) | $1,320 |
| Essentials Subtotal | $4,103 | |
| Lifestyle Subtotal | $1,036 | |
| Total Monthly Budget | $5,139 |
💡 Salary Needed: To live in Lowell as two adults, two children with a 20% savings margin, you need approximately $11,420/year before taxes.Check affordability →