Harveys Lake, PA vs Pen Argyl, PA: Cost of Living

Which city costs less?

Pen Argyl, PA has a modeled overall cost index 20.9% higher than Harveys Lake, PA.

Harveys Lake, PA · modeled 2BR rent
$1,760 / month
Pen Argyl, PA · modeled 2BR rent
$1,810 / 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 Harveys Lake, PA and Pen Argyl, 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

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Numbers update automatically as you type

Estimated extra cost: $1,309/month in Pen Argyl, PA

$150,000 in your current city has a modeled equivalent of $165,711 in Pen Argyl, PA

Regional cost estimates: Harveys Lake, PA uses Philadelphia, PA. Pen Argyl, PA uses Newark, NJ. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 20.9%
More expensive
Monthly Impact
$1,309
Extra cost
Annual Impact
$15.7K
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.

Harveys Lake, PA

Population:3K
Cost Index:
77.7
100 = national average
Typical Home:$251K

Pen Argyl, PA

Population:3K
Cost Index:
93.9
100 = national average
Typical Home:$297K

Planning the move to Pen Argyl?

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Harveys Lake, PA

The Keystone State

3K
Population
State Tax
Yes

Located in Pennsylvania, this city has a population of 3K residents.

Pen Argyl, PA

The Keystone State

3K
Population
State Tax
Yes

Located in Pennsylvania, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Harveys Lake, PA vs Pen Argyl, 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.

Other
↑ 29.3%
Harveys Lake, PA
$1,680
Pen Argyl, PA
$2,172
Difference
$493
more
Transportation
↑ 27.5%
Harveys Lake, PA
$1,345
Pen Argyl, PA
$1,714
Difference
$369
more
Housing
↑ 10.7%
Harveys Lake, PA
$1,971
Pen Argyl, PA
$2,182
Difference
$212
more
Healthcare
↑ 20.6%
Harveys Lake, PA
$656
Pen Argyl, PA
$791
Difference
$135
more
Groceries
↑ 6.0%
Harveys Lake, PA
$1,193
Pen Argyl, PA
$1,264
Difference
$71.09
more
All Utilities
↑ 4.5%
Harveys Lake, PA
$655
Pen Argyl, PA
$685
Difference
$29.64
more

🏠Rent Comparison

Studio
From$1,210
To$1,250
↑ $40.00
1 Bed
From$1,440
To$1,490
↑ $50.00
2 Bed
From$1,760
To$1,810
↑ $50.00
3 Bed
From$2,290
To$2,310
↑ $20.00
Harveys Lake, PAZIP-level data

1BR range: $1,440–$1,440/mo

Pen Argyl, PAZIP-level data

1BR range: $1,490–$1,490/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 Harveys Lake, PA
$8,809
Monthly in Pen Argyl, PA
$1,309
Difference

Home Values

Harveys Lake
Pen Argyl
$251K
Median Value
$297K
↑ +0.2%
YoY Change
↑ +3%
↑ +27.9%
5-Year Change
↑ +43.4%

Homes in Pen Argyl are 18% more expensive than Harveys Lake

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
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Harveys Lake, 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

Pen Argyl, 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

Harveys Lake, PA Tax Rates

Sales Tax:6.5%
Property Tax:1.4%

Pen Argyl, 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

Harveys Lake
Pen Argyl
52 Moderate
Air Quality
N/A
47.3%
Good Air Days
-
100 Very High
Climate Risk
98 High
🌊🌅🌀
Top Hazards
🌊🌡🌪
▲+2.9°F
2050 Outlook
▲+2.9°F
22 days
Heat Days >95°F
15 days
▲+2.9°F
2050 Outlook
▲+2.9°F
22 days
Heat Days >95°F
15 days

Before moving from Harveys Lake, PA to Pen Argyl, PA

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

  1. Compare actual homes. Get current quotes in Pen Argyl, PA for the same bedroom count and included utilities as your home in Harveys Lake, PA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Harveys Lake to Pen Argyl moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Harveys Lake, PA vs Pen Argyl, PA

How do the cost estimates for Harveys Lake, PA and Pen Argyl, PA compare?

Pen Argyl, PA has a modeled overall cost index 20.9% higher than Harveys Lake, 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 Harveys Lake, PA, the model estimates $165,711 in Pen Argyl, 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 Harveys Lake, PA and Pen Argyl, PA?

The modeled two-bedroom rents are $1,760/month in Harveys Lake, PA and $1,810/month in Pen Argyl, 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.

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