Cost of Living in Shippensburg, PA

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3%
Overall NAT. AVG.
6%
Groceries NAT. AVG.
26%
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 Shippensburg Pennsylvania National
Cost of living9797100
Groceries106100100
Health care10699100
Housing7490100
Transportation109101100
Utilities10499100
Lifestyle & Entertainment110100100
Household Items10599100
Education & Childcare109101100
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Homes For Sale In Shippensburg, PA

property for sale

418 Herwen Dr

Shippensburg, PA
property for sale

12 Middle Spring Ave

Shippensburg, PA
property for sale

99 Fogelsanger Rd

Shippensburg, PA
property for sale

64 Diller Dr

Shippensburg, PA

Cost Of Living Quick Facts

  • The cost of living in Shippensburg is equal to the Pennsylvania average
  • The cost of living in Shippensburg is 3% lower than the national average
  • Shippensburg housing is 26% 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 Shippensburg

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      The best places in Pennsylvania

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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$87,044$7,254$2,031$2,612
      Renters$54,178$4,515$1,264$1,626
      A good indicator of the general affordability of housing in Shippensburg, 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 Shippensburg, the median monthly income is $87,044 for those who own their own homes. Under the standard rule, that income level would allow for $2,031 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $54,178, per the median income in the area. That would allow for renters to spend up to $1,264 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.
      Flora Dale, PA291000.1%
      Shippensburg University, PA1,9481076.9%
      Newburg borough (Clearfield County), PA968515.0%
      Plainfield, PA2898911.4%
      Newville, PA1,272919.3%
      Shippensburg, PA5,760973.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
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      Algoma, Unorganized, North Part, ON5,761n/a 
      Old Fig Garden, CA5,75813838.2%
      Siesta Key, FL5,75817372.9%
      Shippensburg, PA5,760973.0%
      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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