Oxford 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.
Cost of living index108100100
Goods & Services index11099100
Groceries index108102100
Health care index10190100
Housing index10993100
Transportation index99109100
Utilities index109115100
A general overview of the cost of living index for Oxford, PA is displayed above. In Oxford, PA, the overall cost of living index is 108, which is 8% higher than the Pennsylvania average and 8% higher than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Oxford, PA, the city's goods and services are 11% higher than the Pennsylvania average and 10% higher than the U.S. average.

Did you know?

  • The cost of living in Oxford is 8% higher than the Pennsylvania average.
  • The cost of living in Oxford is 8% higher than the national average.
  • The cost of housing in Oxford is 9% higher 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

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
The salary calculator allows you to compare how much your current salary in Oxford, 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 Oxford, PA, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Oxford, 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)
The affordability of the housing market in Oxford, PA as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Oxford, PA homeowners, the median income is $67,305. This indicates that a monthly maximum of $1,570 should be spent by homeowners on all housing related costs. Renters have a median income of $30,600. This indicates that renters should have a maximum of $714 used for their rent related monthly costs.

Pennsylvania Sales Tax

StateGeneral Sales TaxWith Max Surtax

Pennsylvania Income Tax

StateIncome Tax (Low)Income Tax (High)
One thing to keep in mind when considering the cost of living in Oxford, PA is the Pennsylvania sales tax and Pennsylvania income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Pennsylvania sales tax rate is 6% and the maximum surtax that can be charged is 8%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Pennsylvania income tax rates range from 3.07% to 3.07%.

Goods & Services

ItemOxfordNational avg.Difference
Haircut $12.58$15.5619.2%
Beauty Salon $39.00$36.118.0%
Toothpaste $2.96$2.4719.6%
Shampoo $1.03$0.966.7%
Movie $11.70$10.1315.5%
Bowling $4.67$4.741.4%


ItemOxfordNational avg.Difference
Ground Beef $4.88$3.9822.4%
Fried Chicken $1.78$1.4126.3%
Milk $2.03$2.061.6%
Potatoes $3.77$2.9826.5%
Pizza $9.61$9.471.4%
Beer $9.66$8.799.8%

Health Care

ItemOxfordNational avg.Difference
Optometrist $127.50$101.0426.2%
Doctor $83.94$107.4421.9%
Dentist $98.50$90.428.9%
Ibuprofen $9.59$9.283.3%
Lipitor $442.05$426.503.6%


ItemOxfordNational avg.Difference
Home Price $201,600.00$175,700.0014.7%
Avg. Mortgage Payment $1,226.29$1,133.238.2%
Apartment Rent $893.00$920.002.9%


ItemOxfordNational avg.Difference
Gasoline $1.93$1.993.1%
Tire Balancing $47.78$45.764.4%


ItemOxfordNational avg.Difference
All Electricity$184.77$163.8112.8%
Phone $29.95$28.395.5%
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.
Lincoln University, PA1,7711077%
Modena, PA49696-4%
Coatesville, PA13,1301000%
Wakefield, PA75797-3%
Christiana, PA1,0261033%
Oxford, PA5,1001088%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Alexandria, IN5,10082-18%
Savannah, MO5,10185-15%
Clarks Summit, PA5,1011000%
East Port Orchard, WA5,09812626%
Big Bear Lake, CA5,10413030%
Oxford, PA5,1001088%
Source: The Oxford, PA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.