Berwick 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 index9099100
Goods & Services index9998100
Groceries index103103100
Health care index9894100
Housing index5991100
Transportation index110109100
Utilities index109111100
An overview of the general cost of living index for Berwick, PA is displayed above for your reference. Residents in Berwick, PA enjoy a cost of living index of 90. This index is 9% lower than the Pennsylvania average, and 10% lower than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Berwick, PA, the average cost of goods and services is 1% higher than it is in Pennsylvania, and it is 1% lower than the national average.
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Did you know?

  • The cost of living in Berwick is 9% lower than the Pennsylvania average.
  • The cost of living in Berwick is 10% lower than the national average.
  • The cost of housing in Berwick is 41% 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.

Compare Berwick, 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
      The salary calculator allows you to compare how much your current salary in Berwick, 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 Berwick, PA, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Berwick, 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 percent of monthly income spent on housing can be a good indicator of the affordability of housing in Berwick, PA as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Berwick, PA homeowners, is $56,410. This would allow for a maximum of $1,316 per month to be spent on housing costs. For renters, the median monthly income is $25,765 which would result in a maximum of $601 to be spent on rental costs.

      Pennsylvania Sales Tax

      StateGeneral Sales TaxWith Max Surtax

      Pennsylvania Income Tax

      StateIncome Tax (Low)Income Tax (High)
      When considering the overall cost of living expenses in Berwick, PA, it's important to take into account the sales tax for Pennsylvania, as well as the rate for income tax in Pennsylvania. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Pennsylvania is 8%, and the sales tax in the state of Pennsylvania is 6%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Pennsylvania starts from 3.07% and goes up to 3.07%.

      Goods & Services

      ItemBerwickNational avg.Difference
      Haircut $16.25$17.497.1%
      Beauty Salon $30.50$38.1720.1%
      Toothpaste $1.96$2.3215.6%
      Shampoo $1.09$1.017.7%
      Movie $10.60$10.721.2%
      Bowling $15.33$13.8610.6%


      ItemBerwickNational avg.Difference
      Ground Beef $3.69$3.905.4%
      Fried Chicken $1.24$1.4011.2%
      Milk $2.01$1.962.4%
      Potatoes $3.39$3.186.5%
      Pizza $9.09$10.3912.5%
      Beer $9.93$9.237.6%

      Health Care

      ItemBerwickNational avg.Difference
      Optometrist $62.67$106.3441.1%
      Doctor $72.17$115.2537.4%
      Dentist $126.50$98.3828.6%
      Ibuprofen $9.32$9.260.6%
      Lipitor $484.82$466.473.9%


      ItemBerwickNational avg.Difference
      Home Price $98,000.00$184,700.0046.9%
      Avg. Mortgage Payment $1,138.98$1,273.3210.6%
      Apartment Rent $701.00$949.0026.1%


      ItemBerwickNational avg.Difference
      Gasoline $2.89$2.5911.4%
      Tire Balancing $53.80$48.9010.0%


      ItemBerwickNational avg.Difference
      All Electricity$192.63$167.6014.9%
      Phone $186.24$163.4214.0%
      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.
      Oneida, PA15679-21%
      Delano, PA34780-20%
      Shickshinny, PA71584-16%
      Sheppton, PA19884-16%
      Foundryville, PA7986-14%
      Berwick, PA10,27690-10%

      Cities with similar population

      City, StatePopulationCost of Living IndexNational Avg.
      Denham Springs, LA10,27894-6%
      Jackson, WY10,27914646%
      Pella, IA10,28093-7%
      Pleasant Grove, AL10,28491-9%
      Quartz Hill, CA10,29111313%
      Berwick, PA10,27690-10%
      Source: The Berwick, PA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.