Mount Joy 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.
IndexMount JoyPennsylvaniaNational
Cost of living index99102100
IndexMount JoyPennsylvaniaNational
Goods & Services index103103100
Groceries index99105100
Health care index9497100
Housing index9093100
Transportation index101112100
Utilities index113112100
The above illustration supplies generalized information for the Mount Joy, PA cost of living index. Compared to other cities in Pennsylvania and cities across the country, the cost of living index in Mount Joy, PA is 99, which is 3% lower than the Pennsylvania average and 1% lower than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Mount Joy, PA are 1% lower than the average for Pennsylvania and 3% higher than the rest of the country.

Did you know?

  • The cost of living in Mount Joy is 3% lower than the Pennsylvania average.
  • The cost of living in Mount Joy is 1% lower than the national average.
  • The cost of housing in Mount Joy is 10% 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 Mount Joy, 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 Mount Joy, 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 Mount Joy, PA, you have to earn a higher income in order to still have the same standard of living. To operate the Mount Joy, 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$67,821$5,652$1,582$2,035
Renters$40,095$3,341$935$1,203
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 Mount Joy, 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. Mount Joy, PA has a median income of about $67,821 for people who own homes. Based on that number, a person should spend a maximum of $1,582 on expenses related to housing. Renters have a slightly different median income, which is $40,095. Based on this average, renters should spend no more than $935 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 you are determining the total cost of living in Mount Joy, PA you will want to make sure you consider both the Pennsylvania sales tax and the Pennsylvania income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Pennsylvania is 6%, with the highest surtax being 8%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Pennsylvania have a range from 3.07% to 3.07%.

Goods & Services

ItemMount JoyNational avg.Difference
Haircut $12.80$14.5912.3%
Beauty Salon $31.83$34.688.2%
Toothpaste $2.33$2.475.8%
Shampoo $0.98$1.024.1%
Movie $9.00$9.878.8%
Bowling $4.33$4.391.4%

Groceries

ItemMount JoyNational avg.Difference
Ground Beef $4.93$4.4810.1%
Fried Chicken $1.60$1.469.3%
Milk $2.10$2.3610.9%
Potatoes $3.08$3.060.6%
Pizza $6.99$9.2424.4%
Beer $10.94$8.6326.7%

Health Care

ItemMount JoyNational avg.Difference
Optometrist $82.60$99.7817.2%
Doctor $90.75$105.0313.6%
Dentist $85.00$88.704.2%
Ibuprofen $8.47$9.4110.0%
Lipitor $314.48$298.505.4%

Housing

ItemMount JoyNational avg.Difference
Home Price $153,200.00$175,700.0012.8%
Avg. Mortgage Payment $1,025.12$1,081.035.2%
Apartment Rent $902.00$920.002.0%

Transportation

ItemMount JoyNational avg.Difference
Gasoline $2.20$2.095.2%
Tire Balancing $40.80$45.299.9%

Utilities

ItemMount JoyNational avg.Difference
All Electricity$183.86$170.807.6%
Phone $34.18$28.2621.0%
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.
York, PA43,81789-11%
York Haven, PA75890-10%
Highspire, PA2,43891-9%
North York, PA1,71291-9%
Windsor, PA1,29892-8%
Mount Joy, PA7,77499-1%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Highlands, TX7,77588-12%
Sutherlin, OR7,7761066%
Bryans Road, MD7,77211515%
Lexington, TN7,77191-9%
Grand Ledge, MI7,77989-11%
Mount Joy, PA7,77499-1%
Source: The Mount Joy, PA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.