Cost Of Living in Elgin, PA

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13%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

40%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Elgin	Pennsylvania	National
Cost of living	87	97	100
Groceries	97	100	100
Health care	97	99	100
Housing	60	90	100
Transportation	101	101	100
Utilities	101	99	100
Lifestyle & Entertainment	96	100	100
Household Items	102	99	100
Education & Childcare	98	101	100

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Cost Of Living Quick Facts

The cost of living in Elgin is 10% lower than the Pennsylvania average
The cost of living in Elgin is 13% lower than the national average
Elgin housing is 40% lower than the national average
Pennsylvania general sales tax is 18% higher than the national average
Pennsylvania state income tax is 18% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$73,094	$6,091	$1,705	$2,193
Renters	$31,485	$2,624	$735	$945

Pennsylvania Sales Tax

State	General Sales Tax	With Max Surtax
Pennsylvania	6%	8%

Pennsylvania Income Tax

State	Income Tax (Low)	Income Tax (High)
Pennsylvania	3.07%	3.07%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Penn State Erie (Behrend), PA	1,649	99	1.2%
Panama, NY	423	84	15.9%
Riceville, PA	63	84	15.6%
Corry, PA	6,495	84	15.5%
Spartansburg, PA	292	85	15.0%
Elgin, PA	237	87	13.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Carthage, AR	237	76	24.0%
Griffithville, AR	237	78	21.7%
Homeland, FL	237	91	8.9%
Wheeler, IN	237	96	3.8%
Lowell, KS	237	83	16.6%
Elgin, PA	237	87	13.0%