Mechanicsburg 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.
IndexMechanicsburgPennsylvaniaNational
Cost of living index99100100
IndexMechanicsburgPennsylvaniaNational
Goods & Services index10099100
Groceries index97102100
Health care index9090100
Housing index9493100
Transportation index100109100
Utilities index113115100
Displayed above is a general overview of the Mechanicsburg, PA cost of living index. The overall cost of living index in Mechanicsburg, PA is 99, which is 1% lower than the Pennsylvania average and 1% lower than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Mechanicsburg, PA are 2% higher than the Pennsylvania average and equal to the national average.

Did you know?

  • The cost of living in Mechanicsburg is 1% lower than the Pennsylvania average.
  • The cost of living in Mechanicsburg is 1% lower than the national average.
  • The cost of housing in Mechanicsburg is 6% 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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Salary Calculator

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Use the salary calculator to compare your current salary in Mechanicsburg, PA to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Mechanicsburg, PA, then you would need to earn more income in order to maintain the same standard of living. To use the Mechanicsburg, PA salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$72,250$6,021$1,686$2,168
Renters$41,318$3,443$964$1,240
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 Mechanicsburg, 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. Mechanicsburg, PA has a median income of about $72,250 for people who own homes. Based on that number, a person should spend a maximum of $1,686 on expenses related to housing. Renters have a slightly different median income, which is $41,318. Based on this average, renters should spend no more than $964 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 Mechanicsburg, 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

ItemMechanicsburgNational 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

ItemMechanicsburgNational 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

ItemMechanicsburgNational 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

ItemMechanicsburgNational avg.Difference
Home Price $166,300.00$175,700.005.4%
Avg. Mortgage Payment $1,023.97$1,133.239.6%
Apartment Rent $836.00$920.009.1%

Transportation

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

Utilities

ItemMechanicsburgNational 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%
New Market, PA54686-14%
Oberlin, PA46787-13%
Harrisburg, PA49,29788-12%
Highspire, PA2,43889-11%
Mechanicsburg, PA8,97199-1%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Milford, NH8,97012121%
Dayton, NV8,9721033%
Canonsburg, PA8,97388-12%
Picnic Point, WA8,96913232%
Bull Mountain, OR8,97713333%
Mechanicsburg, PA8,97199-1%
Source: The Mechanicsburg, PA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.