St. Marys 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.
IndexSt. MarysPennsylvaniaNational
Cost of living index90102100
IndexSt. MarysPennsylvaniaNational
Goods & Services index99103100
Groceries index104105100
Health care index9897100
Housing index6293100
Transportation index111112100
Utilities index107112100
A general summary of the cost of living index in St. Marys, PA is shown above. Compared to the state average of Pennsylvania the cost of living index in St. Marys, PA is 90, which is 11% lower than the average in Pennsylvania and compared to the national average it is 10% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In St. Marys, PA goods and services come in at 4% lower than the average in Pennsylvania and are 1% lower than compared to the nationwide average.

Did you know?

  • The cost of living in St. Marys is 11% lower than the Pennsylvania average.
  • The cost of living in St. Marys is 10% lower than the national average.
  • The cost of housing in St. Marys is 38% 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 St. Marys, PA Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Health care index
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The salary calculator is used in order to provide a comparison of your current salary in St. Marys, PA to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to St. Marys, PA, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the St. Marys, PA salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$55,362$4,614$1,292$1,661
Renters$22,924$1,910$535$688
The affordability of the housing market in St. Marys, 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 St. Marys, PA homeowners, the median income is $55,362. This indicates that a monthly maximum of $1,292 should be spent by homeowners on all housing related costs. Renters have a median income of $22,924. This indicates that renters should have a maximum of $535 used for their rent related monthly costs.

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 St. Marys, 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

ItemSt. MarysNational avg.Difference
Haircut $13.03$14.5910.7%
Beauty Salon $34.66$34.680.1%
Toothpaste $2.99$2.4720.9%
Shampoo $0.99$1.023.1%
Movie $8.75$9.8711.3%
Bowling $3.75$4.3914.6%

Groceries

ItemSt. MarysNational avg.Difference
Ground Beef $5.99$4.4833.8%
Fried Chicken $1.89$1.4629.1%
Milk $3.87$2.3664.2%
Potatoes $3.99$3.0630.3%
Pizza $7.85$9.2415.1%
Beer $10.47$8.6321.3%

Health Care

ItemSt. MarysNational avg.Difference
Optometrist $79.30$99.7820.5%
Doctor $80.00$105.0323.8%
Dentist $98.38$88.7010.9%
Ibuprofen $9.79$9.414.0%
Lipitor $320.18$298.507.3%

Housing

ItemSt. MarysNational avg.Difference
Home Price $108,100.00$175,700.0038.5%
Avg. Mortgage Payment $825.80$1,081.0323.6%
Apartment Rent $586.00$920.0036.3%

Transportation

ItemSt. MarysNational avg.Difference
Gasoline $2.39$2.0914.2%
Tire Balancing $45.80$45.291.1%

Utilities

ItemSt. MarysNational avg.Difference
All Electricity$165.62$170.803.0%
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.
Force, PA28380-20%
James City, PA26473-27%
Johnsonburg, PA2,45183-17%
Wilcox, PA44185-15%
Ridgway, PA4,02485-15%
St. Marys, PA12,94090-10%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Lake Forest Park, WA12,93814343%
Cayce, SC12,94494-6%
Phelan, CA12,9471011%
Joppatowne, MD12,9481099%
El Dorado, KS12,93186-14%
St. Marys, PA12,94090-10%
Source: The St. Marys, PA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.