Middletown 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.
IndexMiddletownPennsylvaniaNational
Cost of living index92100100
IndexMiddletownPennsylvaniaNational
Goods & Services index10099100
Groceries index97102100
Health care index9090100
Housing index7193100
Transportation index100109100
Utilities index113115100
An overview of the general cost of living index for Middletown, PA is displayed above for your reference. Residents in Middletown, PA enjoy a cost of living index of 92. This index is 8% lower than the Pennsylvania average, and 8% 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 Middletown, 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 Middletown is 8% lower than the Pennsylvania average.
  • The cost of living in Middletown is 8% lower than the national average.
  • The cost of housing in Middletown is 29% 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 Middletown, PA Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current salary in Middletown, 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 Middletown, PA, then you would need to earn more income in order to maintain the same standard of living. To use the Middletown, 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$60,841$5,070$1,420$1,825
Renters$26,856$2,238$627$806
If you want to find a good determining factor for the cost of living and the general affordability of housing in Middletown, PA, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Middletown, PA, the median monthly income is $60,841 for those who own their own homes. Under the standard rule, that income level would allow for $1,420 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $26,856, per the median income in the area. That would allow for renters to spend up to $627 on monthly rental expenses.

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 Middletown, 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

ItemMiddletownNational 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

ItemMiddletownNational 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

ItemMiddletownNational 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

ItemMiddletownNational avg.Difference
Home Price $114,700.00$175,700.0034.7%
Avg. Mortgage Payment $1,023.97$1,133.239.6%
Apartment Rent $780.00$920.0015.2%

Transportation

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

Utilities

ItemMiddletownNational 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%
Jonestown, PA7984-16%
New Market, PA54686-14%
Oberlin, PA46787-13%
Harrisburg, PA49,29788-12%
Middletown, PA8,90992-8%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Versailles, KY8,90889-11%
Glenshaw, PA8,90891-9%
Wakefield-Peacedale, RI8,91112525%
Good Hope, CA8,9111066%
Mecca, CA8,91296-4%
Middletown, PA8,90992-8%
Source: The Middletown, PA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.