Waltham, MA vs Surrey: Which City Wins for Expats in 2026?
Surrey costs roughly 58% less than Waltham, MA. Waltham, MA leads on digital nomad infrastructure. Use our tool below to personalize the estimate based on your income and lifestyle.
Surrey is approximately 90% less expensive than Waltham, MA based on cost of living including rent. This makes Surrey a more budget-friendly option for expats considering a move.
Surrey has a FIRE Score of 74/100, indicating its suitability for financial independence and early retirement. The city's safety index is 85, which is relatively safe.
Recommended profile: Surrey is ideal for GeoArbitragers and remote workers looking to maximize savings.
Waltham, MA
United StatesAbout Waltham, MA
Waltham is a pricey Boston suburb that charges city-center rent for a small-town address: $2,500/mo for a one-bedroom whether you live in the center or outside it, against an average monthly net salary of $5,113/mo. The upside is real, with a safety index of 85/100, excellent healthcare, and a cost of living index of 99/100 against NYC, so you are paying for proximity and peace of mind rather than urban buzz. It suits expats who want a quiet, well-connected base with a medium community and a 69/100 expat score, but the 46/100 FIRE score should warn anyone trying to save aggressively. Come for the safety and the 7 km hop to BNH, not for the bargain.
About United States
Best for families seeking high English proficiency and excellent air travel access, with no retiree or digital nomad visa available. Internet speed of 390.28 Mbps and a large expat community support remote work, but the cost of living index is 100 (global baseline). Key trade-off: no retirement or digital nomad visa, and a complex pathway to residency or citizenship limits long-term stays.
$-794/mo
Cost of Living (Without Rent)
Rent Per Month
Attractiveness
City Details
About Surrey
Surrey is a solid pick if you want big-city access without Vancouver prices, with a 1-bedroom outside the centre at $1,047/mo and a monthly public transport pass at $107/mo. The catch is wages: an average monthly net salary of $3,032/mo against a mid-range single budget of $4,200/mo means plenty of expats are quietly subsidising the lifestyle. Safety is genuinely strong at a crime index of 15/100 and healthcare quality is excellent, so families and retirees get real value. Just don't expect the salary to stretch as far as the rent suggests.
About Canada
Canada taxes hard: expect 33% federal plus up to 21.8% provincial, a real drag on FIRE math. A retirement visa exists, so retirees do have a potential entry path, though it's not always straightforward. But remote workers and digital nomads should look past this, given a 9/10 expat friendliness score and 379.96 Mbps average internet. A 1BR apartment averaging $1,304.56/mo confirms the tax hit is the real cost center here, not rent.
$-1,200/mo
Cost of Living (Without Rent)
Rent Per Month
Attractiveness
City Details
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| Metric | Waltham, MA | Surrey |
|---|---|---|
| 1BR Apartment (Center) | $2500 | $1316.83 |
| 1BR Apartment (Outside) | $2500 | $1047.39 |
| 3BR Apartment (Center) | $5400 | $2677.5 |
| 3BR Apartment (Outside) | $5000 | $2109.39 |
| Safety Index | 85 | 85 |
| Internet Speed | 80Mbps | 120Mbps |
| Walkability Score | N/A | N/A |
Monthly cost by categoryOne person, computed from each city's own average prices
| Category | Waltham, MA | Surrey |
|---|---|---|
| Total (rent included) | $3,918/mo | N/A |
| Excluding rent | $1,418/mo | N/A |
| Rent | $2,500/mo | N/A |
| Groceries | $305/mo | N/A |
| Dining out | $250/mo | N/A |
| Entertainment & lifestyle | $343/mo | N/A |
| Utilities & connectivity | $460/mo | N/A |
| Transport | $60.00/mo | N/A |
Usage-based estimates from this city's own average prices. A row marked N/A means that city is missing data, so no figure is shown instead of a stale one.
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Waltham, MA vs Surrey -- Frequently Asked Questions
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