Ephrata 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.
IndexEphrataPennsylvaniaNational
Cost of living index97100100
IndexEphrataPennsylvaniaNational
Goods & Services index10099100
Groceries index97102100
Health care index9090100
Housing index8793100
Transportation index100109100
Utilities index113115100
An overview of the general cost of living index for Ephrata, PA is displayed above for your reference. Residents in Ephrata, PA enjoy a cost of living index of 97. This index is 3% lower than the Pennsylvania average, and 3% lower than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Ephrata, PA, the average cost of goods and services is 2% higher than it is in Pennsylvania, and it is equal to the national average.

Did you know?

  • The cost of living in Ephrata is 3% lower than the Pennsylvania average.
  • The cost of living in Ephrata is 3% lower than the national average.
  • The cost of housing in Ephrata is 13% 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 Ephrata, PA Cost of living To Other Cities

Salary Calculator

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Groceries index
Health care index
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Transportation index
Utilities index
The salary calculator allows you to compare how much your current salary in Ephrata, PA would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Ephrata, PA, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Ephrata, PA salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$62,041$5,170$1,448$1,861
Renters$32,774$2,731$765$983
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Ephrata, PA, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Ephrata, PA has a median income of about $62,041 for people who own homes. Based on that number, a person should spend a maximum of $1,448 on expenses related to housing. Renters have a slightly different median income, which is $32,774. Based on this average, renters should spend no more than $765 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Pennsylvania Sales Tax

StateGeneral Sales TaxWith Max Surtax
Pennsylvania6%8%

Pennsylvania Income Tax

StateIncome Tax (Low)Income Tax (High)
Pennsylvania3.07%3.07%
When assessing the complete cost of living in Ephrata, PA, the Pennsylvania income tax and the Pennsylvania sales tax percentages should unquestionably be taken into consideration. Sales taxes aren't just levies imposed onto sold goods, but they also include taxes that are charged when services are provided for a fee. The rates are different from state to state and can run has high as 7 percent. Some states have no sales tax at all. The Pennsylvania maximum surtax is 8%, and the Pennsylvania sales tax is 6%. By contrast, income tax is an unfortunate obligation that is charged by the government against earnings. Just like sales taxes, the rates for income taxes differ from state to state. They also decrease or increase according to the individual's tax bracket. Tax rates can run as high as 9 percent, with a minimum of zero. Income tax rates range from 3.07% to 3.07% in Pennsylvania.

Goods & Services

ItemEphrataNational 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

ItemEphrataNational 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

ItemEphrataNational 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

ItemEphrataNational avg.Difference
Home Price $153,400.00$175,700.0012.7%
Avg. Mortgage Payment $1,023.97$1,133.239.6%
Apartment Rent $794.00$920.0013.7%

Transportation

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

Utilities

ItemEphrataNational 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.
Brownstown, PA71183-17%
Reading, PA88,05190-10%
Gordonville, PA67188-12%
Lebanon, PA25,55388-12%
Lancaster, PA59,36891-9%
Ephrata, PA13,52997-3%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
La Homa, TX13,53569-31%
Brainerd, MN13,52191-9%
Fairburn, GA13,52092-8%
Brecksville, OH13,54311515%
Hot Springs Village, AR13,5101011%
Ephrata, PA13,52997-3%
Source: The Ephrata, PA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.