Northumberland 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.
IndexNorthumberlandPennsylvaniaNational
Cost of living index94102100
IndexNorthumberlandPennsylvaniaNational
Goods & Services index103103100
Groceries index99105100
Health care index9497100
Housing index7393100
Transportation index101112100
Utilities index113112100
Here we can see a simple outline of the cost of living in Northumberland, PA. As you can see, with the average cost of living in Northumberland, PA being 94, that puts it 8% lower than the average of Pennsylvania and 6% lower than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Northumberland, PA, the price of goods and services are 1% lower than the average of Pennsylvania as well as 3% higher than the nation's average.

Did you know?

  • The cost of living in Northumberland is 8% lower than the Pennsylvania average.
  • The cost of living in Northumberland is 6% lower than the national average.
  • The cost of housing in Northumberland is 27% 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.

Find Real Estate Listings In Northumberland

Location
Price
Bedrooms
Bathrooms
 

New Real Estate Listings In Northumberland

Compare Northumberland, PA Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Using the salary calculator lets you compare the salary you earn in Northumberland, 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 Northumberland, PA, you have to earn a higher income in order to still have the same standard of living. To operate the Northumberland, 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$54,375$4,531$1,269$1,631
Renters$28,932$2,411$675$868
If you want to find a good determining factor for the cost of living and the general affordability of housing in Northumberland, 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 Northumberland, PA, the median monthly income is $54,375 for those who own their own homes. Under the standard rule, that income level would allow for $1,269 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $28,932, per the median income in the area. That would allow for renters to spend up to $675 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%
For those who live in Northumberland, PA and want to know what the true cost of living is, they ought to look at both the Pennsylvania income tax rate and the Pennsylvania sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Pennsylvania, the sales tax is 6%, while the most you'll pay in surtax is 8%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Pennsylvania, the income tax rate ranges between 3.07% to 3.07%.

Goods & Services

ItemNorthumberlandNational 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

ItemNorthumberlandNational 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

ItemNorthumberlandNational 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

ItemNorthumberlandNational avg.Difference
Home Price $130,800.00$175,700.0025.6%
Avg. Mortgage Payment $1,025.12$1,081.035.2%
Apartment Rent $646.00$920.0029.8%

Transportation

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

Utilities

ItemNorthumberlandNational 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.
Ranshaw, PA43180-20%
Shamokin, PA7,29582-18%
Edgewood CDP, PA2,14883-17%
Riverside, PA28684-16%
Marshallton, PA1,34085-15%
Northumberland, PA3,77294-6%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Carter Lake, IA3,77186-14%
Lafayette, OR3,77011010%
Shark River Hills, NJ3,77013333%
Polk City, IA3,77097-3%
Pixley, CA3,76996-4%
Northumberland, PA3,77294-6%
Source: The Northumberland, PA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.