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Waltham, MA, United States

Data updated Oct 9, 2026

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📊 Scores

46
FIRE
55
Retiree
69
Digital Nomad

Best fit: Digital Nomad (score: 69)

Waltham sits just 7 kilometers from its nearest airport, BNH, in the heart of Massachusetts, a compact city of 65,000 people that blends industrial history with leafy residential streets. Its continental climate brings warm summers and cold, snowy winters, with an elevation of just 15 meters above sea level, so the seasons are distinct but rarely extreme. For expats, the neighborhoods of Piety Corner and Cedarwood are popular choices, offering a mix of single-family homes and apartment complexes that feel more suburban than urban, yet remain close to the city's amenities and transit links. The city's location, roughly halfway between Boston and the western suburbs, makes it a practical base for those who want easy access to the region without the congestion of the core.

Living here requires a clear-eyed look at the numbers. A one-bedroom apartment in the city center costs $2,500/mo, and the same price applies outside the center, so there is no discount for moving a few blocks away. A three-bedroom in the center runs $5,400/mo, while outside the center it drops slightly to $5,000/mo. For a single adult, the budget tier total, including rent, comes to $2,296/mo, the mid-range tier to $3,794/mo, and the comfortable tier to $4,072/mo. Beyond rent, a single person spends about $1,500/mo on everything else, while a family of four needs $5,400/mo. Utilities run $319/mo, internet $87/mo, a mobile plan $55/mo, and a monthly public transport pass is $60/mo. Gym memberships are steep at $250/mo, and eating out is not cheap: an inexpensive meal costs $25, a three-course dinner for two at a mid-range restaurant is $96, and a cappuccino is $5. The average monthly net salary is $5,113/mo, which means a single person on a mid-range budget is spending about 74 percent of their take-home pay on living costs, leaving little room for savings unless they opt for the budget tier.

Safety is a strong point here. The safety index stands at 85/100, and the crime index is a low 15/100, indicating a community where residents generally feel secure walking the streets, even at night. Healthcare quality is rated as excellent, which is a significant draw for families and older newcomers. The air quality index is 40, which is considered good, though not pristine, and the city's compact size means most services are within a short drive or bus ride. For those concerned about health, the combination of low crime and top-tier medical care makes Waltham a reassuring place to settle, especially for retirees or those with chronic conditions.

Getting to Waltham is straightforward via BNH, the nearest airport, located just 7 kilometers away, making international arrivals and domestic connections convenient. Visa options exist for various purposes, though specific program names are not detailed here; expats should consult official channels for the latest requirements. The expat community is medium-sized, which means you will find fellow foreigners but not an overwhelming enclave. With a digital nomad score of 69/100 and an overall expat score of 69/100, Waltham is well-suited to remote workers and professionals who value safety, healthcare, and a slower pace than Boston proper. The FIRE score is 46/100, reflecting the high cost of living relative to local wages, so early retirement seekers may need to look elsewhere. Retirees, however, will find a score of 55/100, buoyed by excellent healthcare and low crime, making it a viable option for those with a solid nest egg. Ultimately, Waltham is a pragmatic choice for expats who prioritize security and medical care over affordability, and who are willing to budget carefully in exchange for a safe, well-connected home base.

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🏚️ Cost of Living

💰 Budgets and Costs

$3,918/mo, one person, rent included
Selected: mid-range lifestyle

Waltham, MA on a mid-range budget comes to about $3,918 a month for one adult, with $2,500 of that going to rent. Beyond rent the estimate covers $305 on groceries, $250 on dining out, $343 on entertainment and lifestyle, $460 on utilities and connectivity and $60.00 on transport.

Rent

$2,500/mo

1BR outside the centre

Groceries

$305/mo

Staples basket scaled to a full month

Dining out

$250/mo

10 inexpensive meals

Entertainment & lifestyle

$343/mo

gym, 2 cinema trips, 12 cappuccinos

Utilities & connectivity

$460/mo

utilities, mobile, internet

Transport

$60.00/mo

Monthly pass

Budgets (excl. rent)

Single person$1,418/mo

Excludes rent. The total above is all-in, rent included.

Estimates for one adult, built from this city's average prices and the usage shown for each tier. Your spending will differ with how often you eat out and where you live.

A 1BR in the center runs about $2500/mo. If your income is in another currency, bank FX fees add up. A multi-currency account can cut that cost.

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🛡️ Safety & Crime

85
Safety Index

(Higher is safer)

15
Crime Index

(Lower is safer)

Waltham is a genuinely safe city with a strong safety reputation backed by data. The Numbeo Safety Index of 85 reflects a community where daytime and evening walks are comfortable, and residents report low anxiety about personal security. As a mid-sized Massachusetts city with significant institutional presence (Brandeis University, corporate headquarters), it maintains consistent police presence and community engagement that translates to real safety on the ground.

Property crime—particularly vehicle break-ins and package theft—represents the primary concern rather than violent crime. Petty theft from unlocked cars and residential areas occurs occasionally, especially near transit corridors. Violent crime is rare. Solo female travelers and residents report feeling secure walking at reasonable hours. Standard urban precautions apply: avoid displaying valuables, stay aware in parking areas, and use common sense around the Route 128 commercial strips where transient activity concentrates.

Waltham benefits from stable governance, reliable police services, and no significant geopolitical risks. The city is politically mainstream Massachusetts with no protest hotspots or corruption concerns affecting daily life. For Americans considering relocation, this is a low-risk choice—particularly suitable for remote workers or retirees seeking New England proximity without Boston's density or higher crime rates. The main trade-off is cost of living rather than safety.

🏥 Healthcare

Excellent
Public Hospitals
Yes
Private Clinics
Yes
English-Speaking Doctors
Widely Available

See how Waltham, MA's healthcare compares with Monticello, AR

🌤️ Climate

Climate Zones
Continental
Summer Temp
34°C
Winter Temp
-25°C
Humidity
73%
Air Quality Index
40
Annual Rainfall
1485 mm

Best Months

MayAugSep

Climate Notes

Waltham, MA experiences a humid continental climate with cold winters and warm summers, and generally maintains a moderate air quality due to its suburban nature and limited industrial output.

💻 Digital Nomad

Avg Internet Speed
80 Mbps
Internet (monthly)
$87/mo
Coworking Availability
Abundant
Coworking Spaces Nearby
15
Digital Nomad Score
69/100

Community Notes

A tech-forward city with excellent amenities for digital nomads.

Coworking Spaces

NameNotes
Regus - Waltham - CityPointLocated in the CityPoint complex, this Regus offers standard amenities and easy access to major highways. It's a reliable option for those seeking a professional and convenient workspace.
Industrious WalthamIndustrious offers a more upscale coworking experience with a focus on design and community. Located in the heart of Waltham, it provides a premium workspace for remote workers seeking a sophisticated environment.
The Village WorksLocated in nearby Brookline, MA, The Village Works is a popular coworking space with a focus on community and collaboration. It's a good option for those seeking a more social and engaging work environment, and is a short commute from Waltham.

Names, locations and hours can change. Check each space's website before you visit. Places from © OpenStreetMap contributors and Foursquare Open Source Places (Apache 2.0).

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🧳 Expat Life

English Proficiency
Widely Spoken
Expat Community
Medium
Top Neighborhoods
Piety Corner, Cedarwood
Banks Nearby
270
ATMs Nearby
115

Expat Life Notes

The 'Watch City' is a major tech and research hub near Boston. It has a high-income, highly educated population.

Pros

  • ✓ Excellent tech job market
  • ✓ Very safe
  • ✓ Top-tier dining (Moody St)

Cons

  • ✗ Very high rent
  • ✗ Dense traffic
  • ✗ Competitive environment

🏘️ Neighborhoods in Waltham, MA

Areas of Waltham, MA that expats often consider.

Conditions can change from one block to the next, and these descriptions are general guides, not safety assessments. Before choosing where to stay or live, check current travel advisories, talk to people who live there, and visit in person if you can.

Downtown Waltham

Urban, lively, walkable, historic

Downtown Waltham offers a mix of restaurants, shops, and cultural attractions. It's a walkable area with good public transportation access, making it convenient for getting around. Expect some noise and higher prices due to its central location, but it's a good choice for those who enjoy city life.

South Side

Residential, diverse, convenient access

The South Side is a more residential area with a diverse population. It offers convenient access to major routes and public transportation. While not as bustling as downtown, it provides a quieter environment with a mix of housing options.

North Waltham

Suburban, family-friendly, quieter

North Waltham is a more suburban area, characterized by single-family homes and a quieter atmosphere. It's a good option for those seeking a more relaxed lifestyle and proximity to green spaces. A car is generally needed to get around efficiently.

Warrendale

Residential, community-oriented, accessible

Warrendale is a residential neighborhood with a strong sense of community. It offers a mix of housing options and is relatively accessible to Boston via public transportation. It's a good choice for those seeking a quieter, more community-focused environment.

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FAQ

Frequently Asked Questions about Waltham, MA

Click any question to expand the answer.

Waltham, MA has a population of approximately 65,218 people.
A single person can expect to spend around $6,250 per month in Waltham, MA, including rent. A 1-bedroom apartment in the city center costs approximately $2500/month.
The nearest airport to Waltham, MA is BNH, approximately 6.9km away.
Waltham, MA is considered relatively safe, with a safety index of 85.0. As with any city abroad, expats should research specific neighborhoods before committing to a location.
Waltham, MA has an average internet speed of 80 Mbps. It is considered a well-established digital nomad destination.
Waltham's 1BR rent in the city center is $2500 per month, and its cost of living index is 98.8 (NYC=100). The value depends on proximity to employers like Brandeis or Bentley and access to the Charles River trail, but no data supports claims about other suburbs' rents.
Specific winter temperature and snowfall data are not provided, but Waltham has a walkability score of 75, suggesting a car may not be necessary for many daily activities.
Small and dispersed—most expats are graduate students or tech workers. Social life centers on university events, Charles River parks, and Boston day trips rather than organized expat groups. Weekends mean hiking, farmers markets, or heading into Boston proper. It's quiet and family-oriented, not a party scene.
Waltham is relatively expensive, though slightly more affordable than Boston proper. Expect to pay around $2,000-$3,000 per month for a one-bedroom apartment, and groceries and dining out are comparable to other US cities. It's definitely not a geoarbitrage paradise.
Even if you move abroad, as a US citizen, you'll still need to file US taxes. The Foreign Earned Income Exclusion (FEIE) and Foreign Bank Account Report (FBAR) are important to understand, and it's wise to consult a tax professional specializing in expats.
Waltham has excellent healthcare options, with several hospitals and clinics nearby, including those in Boston. Finding English-speaking doctors is not a problem at all; most medical professionals are fluent. Expect US-level healthcare costs.
Internet speeds in Waltham average 80 Mbps, which is suitable for video conferencing and remote work. You can expect to pay around $70-$100 per month for a reliable connection.
Yes, there are a few coworking spaces in Waltham, though Boston has many more options. Some popular choices include Workbar Waltham and Regus. Consider the commute to Boston if you need more variety.
While having a car is convenient, Waltham is relatively walkable and has decent public transportation. The MBTA Commuter Rail provides access to Boston, and there are bus routes throughout the city. However, some errands will be easier with a vehicle.
Areas further from Moody Street, like near Brandeis University, might offer slightly more affordable housing options. Look for smaller apartments or condos in these areas to stretch your retirement income. Consider proximity to grocery stores and public transport.
Major banks like Bank of America and Santander have branches in Waltham and offer international wire transfers, but fees can be high. Services like Wise (formerly TransferWise) or Remitly often provide better exchange rates and lower fees.
Living in Waltham as an English speaker is very easy. English is the primary language, and you won't encounter any language barriers in daily life. The city offers a good mix of urban amenities and suburban charm.
Waltham experiences four distinct seasons, with hot, humid summers and cold, snowy winters. Spring and fall are generally mild and pleasant. Be prepared for significant snowfall and icy conditions during the winter months.
Waltham's higher cost of living makes it challenging for early retirement on a very tight budget. However, if you have a substantial passive income stream or investments, it's certainly possible. Consider lower-cost suburbs for a more comfortable FIRE lifestyle.
Waltham is a diverse city, but the culture is generally similar to other parts of the US. Be prepared for a fast-paced lifestyle and a strong emphasis on education and career. New Englanders can sometimes seem reserved at first.

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