Cost of Living in Mount Joy, PA

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A+
1%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
1%
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 Mount Joy Pennsylvania National
Cost of living9997100
Groceries100100100
Health care9799100
Housing9990100
Transportation97101100
Utilities10099100
Lifestyle & Entertainment97100100
Household Items9999100
Education & Childcare105101100
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Homes For Sale In Mount Joy, PA

property for sale

1004 Ashworth St

Mount Joy, PA
property for sale

34 Gantz Mdws

Mount Joy, PA
property for sale

4050 Parkside Ct

Mount Joy, PA
property for sale

400 E Main St

Mount Joy, PA

Cost Of Living Quick Facts

  • The cost of living in Mount Joy is 2% higher than the Pennsylvania average
  • The cost of living in Mount Joy is 1% lower than the national average
  • Mount Joy housing is 1% 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 Mount Joy

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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$116,042$9,670$2,707$3,482
      Renters$60,613$5,051$1,414$1,819
      A good way to judge both the affordability of the housing and the cost of living in Mount Joy is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Mount Joy has a median income of about $116,042 for people who own homes. Based on that number, a maximum of $2,707 should be spent on expenses related to housing. Renters have a slightly different median income, which is $60,613. Based on this average, renters should spend no more than $1,414 on all rental costs if they want to maintain a non-impoverished standard of living.

      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.
      York, PA45,1088713.0%
      Valley View CDP (Schuylkill County), PA1,6248911.5%
      West York, PA4,7618910.7%
      North York, PA2,346909.8%
      Highspire, PA2,6139010.3%
      Mount Joy, PA8,453990.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Cheviot, OH8,4538614.0%
      Nevada, MO8,4548019.6%
      Milton, WA8,45413030.5%
      Orono, MN8,45517574.8%
      Orting, WA8,45712827.7%
      Mount Joy, PA8,453990.9%
      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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