Cost Of Living in Oswayo, PA

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11%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

59%

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	Oswayo	Pennsylvania	National
Cost of living	89	97	100
Groceries	104	100	100
Health care	109	99	100
Housing	41	90	100
Transportation	114	101	100
Utilities	114	99	100
Lifestyle & Entertainment	108	100	100
Household Items	106	99	100
Education & Childcare	117	101	100

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Oswayo, PA

Cost Of Living Quick Facts

The cost of living in Oswayo is 8% lower than the Pennsylvania average
The cost of living in Oswayo is 11% lower than the national average
Oswayo housing is 59% 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	$88,207	$7,351	$2,058	$2,646
Renters	$0	$0	$0	$0

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.
Ulysses, PA	754	88	11.7%
Bolivar, NY	959	89	10.5%
Shinglehouse, PA	1,099	90	9.6%
Stannards, NY	646	91	9.2%
Wellsville, NY	4,554	91	9.2%
Oswayo, PA	144	89	10.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Reader, AR	144	73	27.4%
East Shore, CA	144	118	18.1%
Jersey, GA	144	106	6.0%
Bernard, IA	144	86	13.8%
Brunsville, IA	144	83	16.6%
Oswayo, PA	144	89	10.9%