Harveys Lake, PA vs Topton, PA: Cost of Living

Which city costs less?

Topton, PA has a modeled overall cost index 10.8% higher than Harveys Lake, PA.

Harveys Lake, PA · modeled 2BR rent
$1,760 / month
Topton, PA · modeled 2BR rent
$1,640 / 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 Topton, 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

$
Numbers update automatically as you type

Estimated extra cost: $668/month in Topton, PA

$150,000 in your current city has a modeled equivalent of $158,021 in Topton, PA

Regional cost estimates: Harveys Lake, PA uses Philadelphia, PA. Topton, PA uses Philadelphia, PA. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 10.8%
More expensive
Monthly Impact
$668
Extra cost
Annual Impact
$8.0K
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

Topton, PA

Population:2K
Cost Index:
86.0
100 = national average
Typical Home:$254K

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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.

Topton, PA

The Keystone State

2K
Population
State Tax
Yes

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

Cost Breakdown by Category

Estimated monthly spending: Harveys Lake, PA vs Topton, 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.

Housing
↑ 10.8%
Harveys Lake, PA
$1,971
Topton, PA
$2,182
Difference
$212
more
Other
↑ 10.8%
Harveys Lake, PA
$1,680
Topton, PA
$1,860
Difference
$181
more
Transportation
↑ 10.8%
Harveys Lake, PA
$1,345
Topton, PA
$1,489
Difference
$145
more
Groceries
↑ 5.2%
Harveys Lake, PA
$1,193
Topton, PA
$1,256
Difference
$62.52
more
Healthcare
↑ 5.2%
Harveys Lake, PA
$656
Topton, PA
$691
Difference
$34.38
more
All Utilities
↑ 5.2%
Harveys Lake, PA
$655
Topton, PA
$690
Difference
$34.34
more

🏠Rent Comparison

Studio
From$1,210
To$1,130
↓ $80.00
1 Bed
From$1,440
To$1,290
↓ $150
2 Bed
From$1,760
To$1,640
↓ $120
3 Bed
From$2,290
To$2,020
↓ $270
Harveys Lake, PAZIP-level data

1BR range: $1,440–$1,440/mo

Topton, PAZIP-level data

1BR range: $1,290–$1,290/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
$8,168
Monthly in Topton, PA
$668
Difference

Home Values

Harveys Lake
Topton
$251K
Median Value
$254K
↑ +0.2%
YoY Change
↑ +4%
↑ +27.9%
5-Year Change
↑ +46.5%

Homes in Topton are 1% more expensive than Harveys Lake

Calculate payment - Harveys LakeCalculate payment - Topton

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

Topton, 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%

Topton, 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
Topton
52 Moderate
Air Quality
52 Moderate
47.3%
Good Air Days
47.3%
100 Very High
Climate Risk
100 Very High
🌊🌅🌀
Top Hazards
🌊🌅🌀
▲+2.9°F
2050 Outlook
▲+2.9°F
22 days
Heat Days >95°F
22 days
▲+2.9°F
2050 Outlook
▲+2.9°F
22 days
Heat Days >95°F
22 days

Before moving from Harveys Lake, PA to Topton, 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 Topton, 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 Topton moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Harveys Lake, PA vs Topton, PA

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

Topton, PA has a modeled overall cost index 10.8% 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 $158,021 in Topton, 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 Topton, PA?

The modeled two-bedroom rents are $1,760/month in Harveys Lake, PA and $1,640/month in Topton, 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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