Fredonia, NY vs Lock Haven, PA: Cost of Living

Which city costs less?

Lock Haven, PA has a modeled overall cost index 8.5% lower than Fredonia, NY.

Fredonia, NY · modeled 2BR rent: $1,060 / month
Lock Haven, PA · modeled 2BR rent: $1,020 / 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 Fredonia, NY and Lock Haven, PA 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 Fredonia, NY

Numbers update automatically as you type

Estimated savings: $521/month in Lock Haven, PA

$150,000 in your current city has a modeled equivalent of $143,744 in Lock Haven, PA

Regional cost estimates: Fredonia, NY uses Cleveland, OH. Lock Haven, PA uses Baltimore, MD. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 8.5%

Less expensive

Monthly Impact

$521

Savings

Annual Impact

$6.3K

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.

Fredonia, NY

Population:9K

Cost Index:

90.6

100 = national average

Typical Home:$201K

Lock Haven, PA

Population:8K

Cost Index:

82.9

100 = national average

Typical Home:$192K

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Fredonia, NY

The Empire State

Population

State Tax

Yes

Located in New York, this city has a population of 9K residents.

Lock Haven, PA

The Keystone State

Population

State Tax

Yes

Located in Pennsylvania, this city has a population of 8K residents.

Cost Breakdown by Category

Estimated monthly spending: Fredonia, NY vs Lock Haven, PA

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	Fredonia, NY	Lock Haven, PA	Difference	Change
Transportation	$1,588/mo	$1,136/mo	↓ $452less	28.5%
Other	$1,810/mo	$1,406/mo	↓ $404less	22.3%
Housing	$1,934/mo	$2,311/mo	↑ $377more	19.5%
Groceries	$1,072/mo	$1,014/mo	↓ $58.28less	5.4%
All Utilities	$514/mo	$565/mo	↑ $50.83more	9.9%
Healthcare	$582/mo	$548/mo	↓ $34.64less	5.9%

Transportation

↓ 28.5%

Fredonia, NY

$1,588

Lock Haven, PA

$1,136

Difference

$452

less

Other

↓ 22.3%

Fredonia, NY

$1,810

Lock Haven, PA

$1,406

Difference

$404

less

Housing

↑ 19.5%

Fredonia, NY

$1,934

Lock Haven, PA

$2,311

Difference

$377

Groceries

↓ 5.4%

Fredonia, NY

$1,072

Lock Haven, PA

$1,014

Difference

$58.28

less

All Utilities

↑ 9.9%

Fredonia, NY

$514

Lock Haven, PA

$565

Difference

$50.83

Healthcare

↓ 5.9%

Fredonia, NY

$582

Lock Haven, PA

$548

Difference

$34.64

less

🏠Rent Comparison

Studio

From$740

To$770

↑ $30.00

1 Bed

From$820

To$850

↑ $30.00

2 Bed

From$1,060

To$1,020

↓ $40.00

3 Bed

From$1,400

To$1,330

↓ $70.00

Fredonia, NYZIP-level data

1BR range: $820–$820/mo

Lock Haven, PAZIP-level data

1BR range: $850–$850/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 Fredonia, NY

$6,979

Monthly in Lock Haven, PA

$521

Difference

Home Values

Fredonia

Lock Haven

$201K

Median Value

$192K

↑ +4.7%

YoY Change

↑ +3%

↑ +40.6%

5-Year Change

↑ +27.9%

Homes in Lock Haven are 4% less expensive than Fredonia

Calculate payment - Fredonia Calculate payment - Lock Haven

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.9K

Per year

Monthly Difference

$412

More take-home

Effective Rate Diff

3.3%

Rate difference

Fredonia, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Lock Haven, 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

Additional Tax Information

Fredonia, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Lock Haven, PA Tax Rates

Sales Tax:6.5%

Property Tax:1.4%

💡 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

Fredonia

Lock Haven

54 Moderate

Air Quality

45 Good

37.2%

Good Air Days

65.6%

98 High

Climate Risk

95 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+3.3°F

2050 Outlook

▲+3.0°F

11 days

Heat Days >95°F

30 days

▲+3.3°F

2050 Outlook

▲+3.0°F

11 days

Heat Days >95°F

30 days

Before moving from Fredonia, NY to Lock Haven, PA

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

Compare actual homes. Get current quotes in Lock Haven, PA for the same bedroom count and included utilities as your home in Fredonia, NY. 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 Fredonia to Lock Haven moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Lock Haven, PA by cost, housing, population and region.

Frequently Asked Questions: Fredonia, NY vs Lock Haven, PA

How do the cost estimates for Fredonia, NY and Lock Haven, PA compare?

Lock Haven, PA has a modeled overall cost index 8.5% lower than Fredonia, NY. 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 Fredonia, NY, the model estimates $143,744 in Lock Haven, PA. 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 Fredonia, NY and Lock Haven, PA?

The modeled two-bedroom rents are $1,060/month in Fredonia, NY and $1,020/month in Lock Haven, PA. 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 New York and Pennsylvania on TaxTakeHome.com