White Oak 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.
IndexWhite OakPennsylvaniaNational
Cost of living index91102100
IndexWhite OakPennsylvaniaNational
Goods & Services index97103100
Groceries index100105100
Health care index9597100
Housing index6493100
Transportation index120112100
Utilities index108112100
A general overview of the cost of living index for White Oak, PA is displayed above. In White Oak, PA, the overall cost of living index is 91, which is 11% lower than the Pennsylvania average and 9% lower 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 White Oak, PA, the city's goods and services are 6% lower than the Pennsylvania average and 3% lower than the U.S. average.

Did you know?

  • The cost of living in White Oak is 11% lower than the Pennsylvania average.
  • The cost of living in White Oak is 9% lower than the national average.
  • The cost of housing in White Oak is 36% 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 White Oak, PA Cost of living To Other Cities

Salary Calculator

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The salary calculator is used in order to provide a comparison of your current salary in White Oak, 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 White Oak, PA, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the White Oak, 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$56,240$4,687$1,312$1,687
Renters$43,824$3,652$1,022$1,315
One can approximate the cost of living and the housing affordability in White Oak, PA by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in White Oak, PA have a median income of $56,240. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,312 per month to avoid calamity and poverty. The renters in the city have an income of about $43,824, which would make their monthly maximum allowable rental costs $1,022.

Pennsylvania Sales Tax

StateGeneral Sales TaxWith Max Surtax
Pennsylvania6%8%

Pennsylvania Income Tax

StateIncome Tax (Low)Income Tax (High)
Pennsylvania3.07%3.07%
The Pennsylvania sales tax and Pennsylvania income tax rates should definitely be considered when determining the overall cost of living in White Oak, PA. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The Pennsylvania sales tax is 6% and the maximum surtax is 8%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The Pennsylvania income tax rates range from 3.07% to 3.07%.

Goods & Services

ItemWhite OakNational avg.Difference
Haircut $13.25$14.599.2%
Beauty Salon $37.49$34.688.1%
Toothpaste $1.74$2.4729.6%
Shampoo $0.99$1.023.1%
Movie $8.65$9.8712.3%
Bowling $3.95$4.3910.1%

Groceries

ItemWhite OakNational avg.Difference
Ground Beef $4.89$4.489.2%
Fried Chicken $1.72$1.4617.5%
Milk $2.04$2.3613.4%
Potatoes $3.49$3.0614.0%
Pizza $8.70$9.245.9%
Beer $9.99$8.6315.7%

Health Care

ItemWhite OakNational avg.Difference
Optometrist $87.00$99.7812.8%
Doctor $89.83$105.0314.5%
Dentist $82.00$88.707.6%
Ibuprofen $9.92$9.415.4%
Lipitor $325.87$298.509.2%

Housing

ItemWhite OakNational avg.Difference
Home Price $97,500.00$175,700.0044.5%
Avg. Mortgage Payment $963.99$1,081.0310.8%
Apartment Rent $760.00$920.0017.4%

Transportation

ItemWhite OakNational avg.Difference
Gasoline $2.56$2.0922.4%
Tire Balancing $51.54$45.2913.8%

Utilities

ItemWhite OakNational avg.Difference
All Electricity$200.47$170.8017.4%
Phone $26.50$28.266.2%
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.
Rankin, PA2,14279-21%
Braddock, PA2,03080-20%
North Braddock, PA4,84781-19%
East Pittsburgh, PA1,91082-18%
Slickville, PA35482-18%
White Oak, PA7,85191-9%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Wilson, PA7,8521033%
West Livingston, TX7,84980-20%
Pineville, NC7,85595-5%
Southeast Arcadia, FL7,85588-12%
Creston, IA7,84681-19%
White Oak, PA7,85191-9%
Source: The White Oak, PA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.