City comparison

Lancaster, PA vs New York, NY

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in New York, NY are 14.6% higher than in Lancaster, PA. Someone earning $100,000 in Lancaster, PA would need about $114,600 in New York, NY to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $2,655 a month in New York, NY versus $1,220 in Lancaster, PA. On $100,000, that's 43% of take-home pay in New York, NY and 19% in Lancaster, PA.
  • On $100,000, estimated state income tax is about $1,790 a year higher in New York, NY than in Lancaster, PA.
  • For federal employees, locality pay changes a GS-13 step 1 salary by +15.5% moving from Lancaster, PA to New York, NY ($108,592 → $125,431), while prices change by +14.6%. Net effect of the transfer: +0.8% in real buying power.
LancasterNew York
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Lancaster, PA: price level 98.3 (about average)
  • New York, NY: price level 112.6 (much pricier)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Lancaster, PANew York, NY
Price level (U.S. = 100)298.3112.6
$100,000 is worth, in the other city2$114,560 in New York$87,291 in Lancaster
Typical 1-bedroom rent3$1,220/mo$2,655/mo
Take-home on $100,00014,15,8$76,110$74,320
State income tax on $100,000 (estimate)8$3,070 (PA)$4,860 (NY)
Rent burden on $100,00019%43%
Median pay, all jobs4$48,210$61,430
Federal locality pay area7Harrisburg-Lebanon, PANew York-Newark, NY-NJ-CT-PA

Rent areas: Lancaster, PA MSA and New York, NY HUD Metro FMR Area. Metro areas: Lancaster, PA and New York-Newark-Jersey City, NY-NJ.

What costs more or less

Lancaster, PANew York, NY
Price level (U.S. = 100)LancasterNew York
Housing (rent)93.8148.6
Goods100.7110.3
Utilities107.3127.0
Other services97.7105.8
Overall98.3112.6
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Lancaster, PA → New York, NY

Same pay buys less

Buying power −12.7%; rent takes 43% of take-home; state tax +$1,790/yr.

11 Weak offer

New York, NY → Lancaster, PA

Same pay goes further

Buying power +14.6%; rent takes 19% of take-home; state tax −$1,790/yr.

100 Strong offer

On the GS pay scale?

Lancaster, PA is in the Harrisburg-Lebanon, PA pay area; New York, NY is in New York-Newark, NY-NJ-CT-PA. The last column shows what a transfer from Lancaster, PA to New York, NY at the same grade and step does to real buying power.

Grade5,2Lancaster, PANew York, NYReal change, Lancaster → New York
GS-9 step 1$62,972$72,737+0.8%
GS-11 step 1$76,190$88,005+0.8%
GS-12 step 1$91,320$105,481+0.8%
GS-13 step 1$108,592$125,431+0.8%
GS-14 step 1$128,323$148,222+0.8%

Pay for common jobs

Median annual pay4Lancaster, PANew York, NYNew York pay in Lancaster dollars
Elementary School Teachers, Except Special Education$78,360$96,900$84,585 (+7.9%)
Software Developers$104,740$166,830$145,627 (+39.0%)
Accountants and Auditors$76,110$105,650$92,223 (+21.2%)
Registered Nurses$89,620$119,720$104,504 (+16.6%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.
  16. U.S. Department of Labor, Employment and Training Administration, O*NET 31.0 Database: Job Titles (used under CC BY 4.0; O*NET is a trademark of USDOL/ETA) (2026). Retrieved 2026-10-14.