Cost of Living in Lock Haven, PA

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A+
9%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
29%
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 Lock Haven Pennsylvania National
Cost of living9197100
Groceries97100100
Health care10099100
Housing7190100
Transportation102101100
Utilities9999100
Lifestyle & Entertainment98100100
Household Items9999100
Education & Childcare99101100
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Homes For Sale In Lock Haven, PA

property for sale

2770 Woodward Ave

Lock Haven, PA
property for sale

438 S Highland St

Lock Haven, PA
property for sale

420 W Water St

Lock Haven, PA
property for sale

139 Oak Run Rd

Lock Haven, PA

Cost Of Living Quick Facts

  • The cost of living in Lock Haven is 7% lower than the Pennsylvania average
  • The cost of living in Lock Haven is 9% lower than the national average
  • Lock Haven housing is 29% 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

Most Affordable Places to Live in and Around Lock Haven

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      Salary Calculator

      This is how much you would need to earn in
      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$72,471$6,039$1,691$2,174
      Renters$41,768$3,481$975$1,253
      A good indicator of the general affordability of housing in Lock Haven, PA, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Lock Haven, the median monthly income is $72,471 for those who own their own homes. Under the standard rule, that income level would allow for $1,691 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $41,768, per the median income in the area. That would allow for renters to spend up to $975 on monthly rental expenses.

      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.
      Hublersburg, PA203990.9%
      Monument, PA1167129.0%
      Renovo, PA1,1037920.8%
      South Renovo, PA5148218.1%
      Mount Eagle, PA678515.3%
      Lock Haven, PA9,265919.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Burlington, WA9,26711717.4%
      Craig, CO9,2681032.8%
      Fairview, TN9,2681088.3%
      Brandywine, MD9,26913938.6%
      St. Anthony, MN9,26011414.0%
      Lock Haven, PA9,265919.4%
      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.
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