Carlisle cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexCarlislePennsylvaniaNational
Cost of living index98100100
IndexCarlislePennsylvaniaNational
Goods & Services index10099100
Groceries index97102100
Health care index9090100
Housing index9193100
Transportation index100109100
Utilities index113115100
A general overview of the cost of living index for Carlisle, PA is displayed above. In Carlisle, PA, the overall cost of living index is 98, which is 2% lower than the Pennsylvania average and 2% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Carlisle, PA, the city's goods and services are 2% higher than the Pennsylvania average and equal to the U.S. average.

Did you know?

  • The cost of living in Carlisle is 2% lower than the Pennsylvania average.
  • The cost of living in Carlisle is 2% lower than the national average.
  • The cost of housing in Carlisle is 9% lower than the national average.
  • Pennsylvania general sales tax is 18% higher than the national average.
  • Pennsylvania state income tax is 38% higher than the national average.

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Compare Carlisle, PA Cost of living To Other Cities

Salary Calculator

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Using the salary calculator lets you compare the salary you earn in Carlisle, PA to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Carlisle, PA, you have to earn a higher income in order to still have the same standard of living. To operate the Carlisle, PA salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$74,386$6,199$1,736$2,232
Renters$35,515$2,960$829$1,066
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Carlisle, PA as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Carlisle, PA homeowners, is $74,386. This would allow for a maximum of $1,736 per month to be spent on housing costs. For renters, the median monthly income is $35,515 which would result in a maximum of $829 to be spent on rental costs.

Pennsylvania Sales Tax

StateGeneral Sales TaxWith Max Surtax
Pennsylvania6%8%

Pennsylvania Income Tax

StateIncome Tax (Low)Income Tax (High)
Pennsylvania3.07%3.07%
When considering the overall cost of living expenses in Carlisle, PA, it's important to take into account the sales tax for Pennsylvania, as well as the rate for income tax in Pennsylvania. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Pennsylvania is 8%, and the sales tax in the state of Pennsylvania is 6%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Pennsylvania starts from 3.07% and goes up to 3.07%.

Goods & Services

ItemCarlisleNational avg.Difference
Haircut $13.00$15.5616.5%
Beauty Salon $30.83$36.1114.6%
Toothpaste $2.25$2.479.0%
Shampoo $0.98$0.961.9%
Movie $9.11$10.1310.0%
Bowling $4.30$4.749.1%

Groceries

ItemCarlisleNational avg.Difference
Ground Beef $4.32$3.988.5%
Fried Chicken $1.46$1.413.8%
Milk $1.89$2.068.3%
Potatoes $3.49$2.9816.9%
Pizza $6.99$9.4726.2%
Beer $10.94$8.7924.4%

Health Care

ItemCarlisleNational avg.Difference
Optometrist $88.69$101.0412.2%
Doctor $92.98$107.4413.5%
Dentist $77.23$90.4214.6%
Ibuprofen $8.75$9.285.7%
Lipitor $437.76$426.502.6%

Housing

ItemCarlisleNational avg.Difference
Home Price $166,100.00$175,700.005.5%
Avg. Mortgage Payment $1,023.97$1,133.239.6%
Apartment Rent $776.00$920.0015.7%

Transportation

ItemCarlisleNational avg.Difference
Gasoline $2.13$1.997.0%
Tire Balancing $38.58$45.7615.7%

Utilities

ItemCarlisleNational avg.Difference
All Electricity$170.91$163.814.3%
Phone $35.44$28.3924.9%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Messiah College, PA2,3051011%
Duncannon, PA1,68191-9%
West Fairview, PA1,31391-9%
Newville, PA1,36392-8%
Gardners, PA14292-8%
Carlisle, PA18,87798-2%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Johnston, IA18,8741033%
Syosset, NY18,87217676%
West Chester, PA18,86012222%
Augusta, ME18,89898-2%
Glenvar Heights, FL18,89912020%
Carlisle, PA18,87798-2%
Source: The Carlisle, PA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.