Gearhart, OR vs Lyons, OR: Cost of Living

Which city costs less?

Lyons, OR has a modeled overall cost index 5.6% higher than Gearhart, OR.

Gearhart, OR · modeled 2BR rent: $1,300 / month
Lyons, OR · modeled 2BR rent: $1,390 / 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

Adjust your income and compare the budget ↓

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Cost of Living Comparison 2026

Compare Gearhart, OR and Lyons, OR 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 Gearhart, OR

Numbers update automatically as you type

Estimated extra cost: $370/month in Lyons, OR

$150,000 in your current city has a modeled equivalent of $154,441 in Lyons, OR

Regional cost estimates: Gearhart, OR uses Portland, OR. Lyons, OR uses Portland, OR. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 5.6%

More expensive

Monthly Impact

$370

Extra cost

Annual Impact

$4.4K

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.

Gearhart, OR

Population:2K

Cost Index:

99.7

100 = national average

Typical Home:$485K

Lyons, OR

Population:1K

Cost Index:

105.3

100 = national average

Typical Home:$484K

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Gearhart, OR

The Beaver State

Population

State Tax

Yes

Located in Oregon, this city has a population of 2K residents.

Lyons, OR

The Beaver State

Population

State Tax

Yes

Located in Oregon, this city has a population of 1K residents.

Cost Breakdown by Category

Estimated monthly spending: Gearhart, OR vs Lyons, OR

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	Gearhart, OR	Lyons, OR	Difference	Change
Housing	$3,053/mo	$3,225/mo	↑ $172more	5.6%
Other	$1,388/mo	$1,466/mo	↑ $78.09more	5.6%
Transportation	$1,241/mo	$1,311/mo	↑ $69.82more	5.6%
Groceries	$880/mo	$905/mo	↑ $24.42more	2.8%
Healthcare	$546/mo	$561/mo	↑ $15.14more	2.8%
All Utilities	$391/mo	$402/mo	↑ $10.86more	2.8%

Housing

↑ 5.6%

Gearhart, OR

$3,053

Lyons, OR

$3,225

Difference

$172

Other

↑ 5.6%

Gearhart, OR

$1,388

Lyons, OR

$1,466

Difference

$78.09

Transportation

↑ 5.6%

Gearhart, OR

$1,241

Lyons, OR

$1,311

Difference

$69.82

Groceries

↑ 2.8%

Gearhart, OR

$880

Lyons, OR

$905

Difference

$24.42

Healthcare

↑ 2.8%

Gearhart, OR

$546

Lyons, OR

$561

Difference

$15.14

All Utilities

↑ 2.8%

Gearhart, OR

$391

Lyons, OR

$402

Difference

$10.86

🏠Rent Comparison

Studio

From$950

To$1,040

↑ $90.00

1 Bed

From$990

To$1,110

↑ $120

2 Bed

From$1,300

To$1,390

↑ $90.00

3 Bed

From$1,780

To$1,940

↑ $160

Gearhart, ORZIP-level data

1BR range: $990–$990/mo

Lyons, ORZIP-level data

1BR range: $1,110–$1,110/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 Gearhart, OR

$7,870

Monthly in Lyons, OR

$370

Difference

Home Values

Gearhart

Lyons

$485K

Median Value

$484K

↓ -1.3%

YoY Change

↑ +3.7%

↑ +31.6%

5-Year Change

↑ +32%

Calculate payment - Gearhart Calculate payment - Lyons

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Gearhart, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

Lyons, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

Additional Tax Information

Gearhart, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

Lyons, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

💡 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

Gearhart

Lyons

35 Good

Air Quality

35 Good

85%

Good Air Days

85%

98 High

Climate Risk

98 High

🌊🌡🫨

Top Hazards

🌊🌡🫨

▲+2.5°F

2050 Outlook

▲+2.5°F

9 days

Heat Days >95°F

9 days

▲+2.5°F

2050 Outlook

▲+2.5°F

9 days

Heat Days >95°F

9 days

Before moving from Gearhart, OR to Lyons, OR

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

Compare actual homes. Get current quotes in Lyons, OR for the same bedroom count and included utilities as your home in Gearhart, OR. 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 Gearhart to Lyons moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Lyons, OR by cost, housing, population and region.

Frequently Asked Questions: Gearhart, OR vs Lyons, OR

How do the cost estimates for Gearhart, OR and Lyons, OR compare?

Lyons, OR has a modeled overall cost index 5.6% higher than Gearhart, OR. 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 Gearhart, OR, the model estimates $154,441 in Lyons, OR. 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 Gearhart, OR and Lyons, OR?

The modeled two-bedroom rents are $1,300/month in Gearhart, OR and $1,390/month in Lyons, OR. 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.