Emmaus, PA vs Havre de Grace, MD: Cost of Living

Which city costs less?

Havre de Grace, MD has a modeled overall cost index 8.5% higher than Emmaus, PA.

Emmaus, PA · modeled 2BR rent: $1,630 / month
Havre de Grace, MD · modeled 2BR rent: $1,770 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Emmaus, PA and Havre de Grace, MD using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Emmaus, PA

Numbers update automatically as you type

Estimated extra cost: $814/month in Havre de Grace, MD

$150,000 in your current city has a modeled equivalent of $159,764 in Havre de Grace, MD

Regional cost estimates: Emmaus, PA uses Philadelphia, PA. Havre de Grace, MD uses Baltimore, MD. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 8.5%

More expensive

Monthly Impact

$814

Extra cost

Annual Impact

$9.8K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Emmaus, PA

Population:12K

Cost Index:

90.0

100 = national average

Typical Home:$372K

Havre de Grace, MD

Population:15K

Cost Index:

97.7

100 = national average

Typical Home:$394K

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Emmaus, PA

The Keystone State

12K

Population

State Tax

Yes

Located in Pennsylvania, this city has a population of 12K residents.

Havre de Grace, MD

The Old Line State

15K

Population

State Tax

Yes

Located in Maryland, this city has a population of 15K residents.

Cost Breakdown by Category

Estimated monthly spending: Emmaus, PA vs Havre de Grace, MD

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Emmaus, PA	Havre de Grace, MD	Difference	Change
Housing	$2,019/mo	$2,820/mo	↑ $802more	39.7%
All Utilities	$624/mo	$635/mo	↑ $11.22more	1.8%
Transportation	$1,378/mo	$1,386/mo	↑ $8.85more	0.6%
Healthcare	$624/mo	$616/mo	↓ $8.22less	1.3%
Other	$1,721/mo	$1,716/mo	↓ $4.80less	0.3%
Groceries	$1,135/mo	$1,140/mo	↑ $4.74more	0.4%

Housing

↑ 39.7%

Emmaus, PA

$2,019

Havre de Grace, MD

$2,820

Difference

$802

All Utilities

↑ 1.8%

Emmaus, PA

$624

Havre de Grace, MD

$635

Difference

$11.22

Transportation

↑ 0.6%

Emmaus, PA

$1,378

Havre de Grace, MD

$1,386

Difference

$8.85

Healthcare

↓ 1.3%

Emmaus, PA

$624

Havre de Grace, MD

$616

Difference

$8.22

less

Other

↓ 0.3%

Emmaus, PA

$1,721

Havre de Grace, MD

$1,716

Difference

$4.80

less

Groceries

↑ 0.4%

Emmaus, PA

$1,135

Havre de Grace, MD

$1,140

Difference

$4.74

🏠Rent Comparison

Studio

From$1,130

To$1,270

↑ $140

1 Bed

From$1,340

To$1,450

↑ $110

2 Bed

From$1,630

To$1,770

↑ $140

3 Bed

From$2,080

To$2,280

↑ $200

Emmaus, PAZIP-level data

1BR range: $1,340–$1,340/mo

Havre de Grace, MDZIP-level data

1BR range: $1,450–$1,450/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Emmaus, PA

$8,314

Monthly in Havre de Grace, MD

$814

Difference

Home Values

Emmaus

Havre de Grace

$372K

Median Value

$394K

↑ +3.6%

YoY Change

↓ -0.3%

↑ +38.1%

5-Year Change

↑ +24.6%

Homes in Havre de Grace are 6% more expensive than Emmaus

Calculate payment - Emmaus Calculate payment - Havre de Grace

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $2.7K

More taxes

Monthly Difference

$221

Less take-home

Effective Rate Diff

1.8%

Rate difference

Emmaus, PA

Federal Income Tax

Effective: 18.9%

$25.5K

Pennsylvania State Tax

Effective: 3.1%

$4.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.7%

$41.6K

Take-Home Pay

$9,032/month

$108.4K

Havre de Grace, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

Additional Tax Information

Emmaus, PA Tax Rates

Sales Tax:6.5%

Property Tax:1.4%

Havre de Grace, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Emmaus

Havre de Grace

52 Moderate

Air Quality

45 Good

47.3%

Good Air Days

65.6%

100 Very High

Climate Risk

95 High

🌊🌅🌀

Top Hazards

🌊🌡🌪

▲+2.9°F

2050 Outlook

▲+3.0°F

22 days

Heat Days >95°F

30 days

▲+2.9°F

2050 Outlook

▲+3.0°F

22 days

Heat Days >95°F

30 days

Before moving from Emmaus, PA to Havre de Grace, MD

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Havre de Grace, MD for the same bedroom count and included utilities as your home in Emmaus, PA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Emmaus to Havre de Grace moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Havre de Grace, MD by cost, housing, population and region.

Frequently Asked Questions: Emmaus, PA vs Havre de Grace, MD

How do the cost estimates for Emmaus, PA and Havre de Grace, MD compare?

Havre de Grace, MD has a modeled overall cost index 8.5% higher than Emmaus, PA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Emmaus, PA, the model estimates $159,764 in Havre de Grace, MD. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Emmaus, PA and Havre de Grace, MD?

The modeled two-bedroom rents are $1,630/month in Emmaus, PA and $1,770/month in Havre de Grace, MD. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Pennsylvania and Maryland on TaxTakeHome.com

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