| Index | Berwick | Pennsylvania | National |
| Cost of living | 88 | 97 | 100 |
| Groceries | 99 | 100 | 100 |
| Health care | 99 | 99 | 100 |
| Housing | 59 | 90 | 100 |
| Transportation | 101 | 101 | 100 |
| Utilities | 102 | 99 | 100 |
| Lifestyle & Entertainment | 103 | 100 | 100 |
| Household Items | 100 | 99 | 100 |
| Education & Childcare | 98 | 101 | 100 |
The cost of living in Berwick affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Berwick is 88, which is 12% lower than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
Housing costs often consume a significant share of your take-home income, often surpassing 30%. Fortunately, Berwick distinguishes itself by reporting housing expenses that are 40.8% below the national average. This indicates that both owning a home and renting in this area are notably more budget-friendly compared to the rest of the nation. With such favorable housing affordability, residents of Berwick can allocate more of their income to housing, enhancing their financial flexibility.
Is Berwick an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Berwick is 42.7% lower than the national average, while the average monthly rent prices are 36.4% lower than average. The affordability of any location can also be influenced by median income levels. Berwick has a median household income of $64,332, which is 20.9% lower than the national average.
Transportation: In situations where public transportation is limited or nonexistent, local residents may be required to own and maintain their own vehicles, contributing to an elevated cost of living. Monthly expenditures may encompass fuel costs, insurance premiums, routine vehicle upkeep and possibly lease or financing payments. In Berwick, the transportation index is 0.7% higher than the national average.
Housing: Elevated demand for housing within coveted locales has the propensity to escalate both property values and rental rates, thereby serving as a primary catalyst for an augmented cost of living. Conversely, areas witnessing diminished housing demand, particularly within less desirable environs, often experience an inversely proportional effect, leading to price reductions and subsequently contributing to a more modest cost of living. In Berwick, the housing index is 40.8% lower than the national average.
Urbanization: Urban areas with a wealth of amenities and employment opportunities tend to come with a higher price tag for living. Why? Well, more people want to be there, which drives up home prices and rents. On the flip side, less densely populated rural areas or places where there's not as much demand usually mean fewer attractions, things to do and slower job growth. That often results in a lower cost of living.
The Berwick cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $84,325 | $7,027 | $1,967 | $2,530 |
| Renters | $38,944 | $3,245 | $909 | $1,168 |
| State | General Sales Tax | With Max Surtax |
| Pennsylvania | 6% | 8% |
| State | Income Tax (Low) | Income Tax (High) |
| Pennsylvania | 3.07% | 3.07% |
| City | Population | Cost of Living Index | National Avg. |
| Slabtown, PA | 162 | 100 | 0.0% |
| Delano, PA | 225 | 77 | 22.5% |
| Weston, PA | 325 | 84 | 16.0% |
| Glen Lyon, PA | 2,991 | 85 | 15.5% |
| McAdoo, PA | 2,728 | 85 | 15.3% |
| Berwick, PA | 10,274 | 88 | 12.2% |
| City | Population | Cost of Living Index | National Avg. |
| Linganore, MD | 10,268 | 141 | 40.7% |
| Birch Bay, WA | 10,265 | 121 | 21.3% |
| Alpena, MI | 10,261 | 83 | 16.9% |
| Paris, TN | 10,260 | 86 | 13.7% |
| Holmen, WI | 10,291 | 102 | 1.7% |
| Berwick, PA | 10,274 | 88 | 12.2% |
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