Boston MA vs Schenectady NY — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Boston, MA
Massachusetts · Population: 663,972
- Median HH Income$94,755
- Median Home Price$793,154
- Unemployment6.0%
- Bachelor's+54.1%
Schenectady, NY
New York · Population: 28,542
- Median HH Income$100,485
- Median Home Price$321,835
- Unemployment2.3%
- Bachelor's+58.8%
Detailed Comparison
Demographics
Population
Boston
663,972
Boston +
Schenectady
28,542
Pop. Density / sq mi
Lower = more space
Boston
N/A
Schenectady
N/A
Median Age
Boston
33.2
Boston +
Schenectady
42.3
Foreign Born
Boston
27.5%
Boston +
Schenectady
6.8%
White
Boston
47.8%
Schenectady
86.7%
Schenectady +
Black
Boston
21.5%
Boston +
Schenectady
3.1%
Asian
Boston
10.0%
Boston +
Schenectady
3.0%
Hispanic
Boston
18.9%
Boston +
Schenectady
4.7%
Spanish at Home
Boston
N/A
Schenectady
N/A
| Metric | Boston, MA | Schenectady, NY | Better |
|---|---|---|---|
| Population | 663,972 | 28,542 | Boston + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.2 | 42.3 | Boston + |
| Foreign Born | 27.5% | 6.8% | Boston + |
| White | 47.8% | 86.7% | Schenectady + |
| Black | 21.5% | 3.1% | Boston + |
| Asian | 10.0% | 3.0% | Boston + |
| Hispanic | 18.9% | 4.7% | Boston + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Boston
$94,755
Schenectady
$100,485
Schenectady +
Per Capita Income
Boston
$60,001
Schenectady
$62,931
Schenectady +
Per Capita Personal Income (MSA)
BEA MSA-level
Boston
$85,405
Boston +
Schenectady
$77,425
Unemployment Rate
Boston
6.0%
Schenectady
2.3%
Schenectady +
Poverty Rate
Boston
16.9%
Schenectady
10.3%
Schenectady +
Bachelor's Degree+
Boston
54.1%
Schenectady
58.8%
Schenectady +
| Metric | Boston, MA | Schenectady, NY | Better |
|---|---|---|---|
| Median HH Income | $94,755 | $100,485 | Schenectady + |
| Per Capita Income | $60,001 | $62,931 | Schenectady + |
| Per Capita Personal Income (MSA)BEA MSA-level | $85,405 | $77,425 | Boston + |
| Unemployment Rate | 6.0% | 2.3% | Schenectady + |
| Poverty Rate | 16.9% | 10.3% | Schenectady + |
| Bachelor's Degree+ | 54.1% | 58.8% | Schenectady + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Boston
$793,154
Schenectady
$321,835
Schenectady +
Homeownership Rate
Boston
35.4%
Schenectady
57.5%
Schenectady +
| Metric | Boston, MA | Schenectady, NY | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $793,154 | $321,835 | Schenectady + |
| Homeownership Rate | 35.4% | 57.5% | Schenectady + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Boston
326
Boston +
Schenectady
434
Property Crime / 100K
FBI CDE (state-level est.)
Boston
1086
Boston +
Schenectady
1736
| Metric | Boston, MA | Schenectady, NY | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 326 | 434 | Boston + |
| Property Crime / 100KFBI CDE (state-level est.) | 1086 | 1736 | Boston + |
Health
Obesity Rate
CDC PLACES
Boston
23.4%
Boston +
Schenectady
38.6%
Diabetes Rate
CDC PLACES
Boston
8.6%
Boston +
Schenectady
12.3%
Poor Mental Health
CDC PLACES — 14+ days/month
Boston
18.0%
Boston +
Schenectady
19.2%
No Health Insurance
CDC PLACES
Boston
6.3%
Boston +
Schenectady
9.7%
Binge Drinking
CDC PLACES
Boston
20.7%
Schenectady
15.2%
Schenectady +
Current Smokers
CDC PLACES
Boston
10.7%
Boston +
Schenectady
16.9%
| Metric | Boston, MA | Schenectady, NY | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 23.4% | 38.6% | Boston + |
| Diabetes RateCDC PLACES | 8.6% | 12.3% | Boston + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 18.0% | 19.2% | Boston + |
| No Health InsuranceCDC PLACES | 6.3% | 9.7% | Boston + |
| Binge DrinkingCDC PLACES | 20.7% | 15.2% | Schenectady + |
| Current SmokersCDC PLACES | 10.7% | 16.9% | Boston + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Boston
51.5°F
Schenectady
N/A
Annual Precipitation
NOAA 1991–2020 normal
Boston
43.8 in
Schenectady
N/A
| Metric | Boston, MA | Schenectady, NY | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 51.5°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 43.8 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Boston
7.2 µg/m³
Boston +
Schenectady
8.1 µg/m³
Good Air Days
AQI ≤ 50
Boston
75.0%
Schenectady
75.0%
Tie
| Metric | Boston, MA | Schenectady, NY | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.2 µg/m³ | 8.1 µg/m³ | Boston + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Boston
33.1 min
Schenectady
26.2 min
Schenectady +
| Metric | Boston, MA | Schenectady, NY | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 33.1 min | 26.2 min | Schenectady + |
Which City is Right for You?
Schenectady leads in median household income at $100,485, while schenectady offers more affordable housing with a median home price of $321,835. On public safety, Boston is safer with a violent crime rate of 326 per 100,000 residents, compared to 434 in Schenectady. Schenectady has a lower unemployment rate at 2.3%, and Boston has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Boston scores better with a lower obesity rate of 23.4%.
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