Jamestown, NY vs New Castle, PA: Cost of Living

Which city costs less?

New Castle, PA has a modeled overall cost index 13.5% lower than Jamestown, NY.

Jamestown, NY · modeled 2BR rent: $970 / month
New Castle, PA · modeled 2BR rent: $1,040 / 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 Jamestown, NY and New Castle, 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 Jamestown, NY

Numbers update automatically as you type

Estimated savings: $1,055/month in New Castle, PA

$150,000 in your current city has a modeled equivalent of $137,342 in New Castle, PA

Regional cost estimates: Jamestown, NY uses Pittsburgh, PA. New Castle, PA uses Pittsburgh, PA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 13.5%

Less expensive

Monthly Impact

$1,055

Savings

Annual Impact

$12.7K

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.

Jamestown, NY

Population:28K

Cost Index:

98.5

100 = national average

Typical Home:$116K

New Castle, PA

Population:21K

Cost Index:

85.2

100 = national average

Typical Home:$110K

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Jamestown, NY

The Empire State

28K

Population

State Tax

Yes

Located in New York, this city has a population of 28K residents.

New Castle, PA

The Keystone State

21K

Population

State Tax

Yes

Located in Pennsylvania, this city has a population of 21K residents.

Cost Breakdown by Category

Estimated monthly spending: Jamestown, NY vs New Castle, 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	Jamestown, NY	New Castle, PA	Difference	Change
Housing	$2,153/mo	$1,676/mo	↓ $477less	22.2%
Other	$1,775/mo	$1,535/mo	↓ $240less	13.5%
Transportation	$1,343/mo	$1,162/mo	↓ $182less	13.5%
Groceries	$1,039/mo	$966/mo	↓ $72.74less	7.0%
All Utilities	$637/mo	$592/mo	↓ $44.60less	7.0%
Healthcare	$553/mo	$514/mo	↓ $38.72less	7.0%

Housing

↓ 22.2%

Jamestown, NY

$2,153

New Castle, PA

$1,676

Difference

$477

less

Other

↓ 13.5%

Jamestown, NY

$1,775

New Castle, PA

$1,535

Difference

$240

less

Transportation

↓ 13.5%

Jamestown, NY

$1,343

New Castle, PA

$1,162

Difference

$182

less

Groceries

↓ 7.0%

Jamestown, NY

$1,039

New Castle, PA

$966

Difference

$72.74

less

All Utilities

↓ 7.0%

Jamestown, NY

$637

New Castle, PA

$592

Difference

$44.60

less

Healthcare

↓ 7.0%

Jamestown, NY

$553

New Castle, PA

$514

Difference

$38.72

less

🏠Rent Comparison

Studio

From$680

To$720

↑ $40.00

1 Bed

From$750

To$795

↑ $45.00

2 Bed

From$970

To$1,040

↑ $70.00

3 Bed

From$1,280

To$1,445

↑ $165

Jamestown, NYZIP-level data

1BR range: $750–$750/mo

New Castle, PAZIP-level data

1BR range: $740–$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 Jamestown, NY

$6,445

Monthly in New Castle, PA

$1,055

Difference

Home Values

Jamestown

New Castle

$116K

Median Value

$110K

↑ +3.3%

YoY Change

↓ -1.6%

↑ +47.5%

5-Year Change

↑ +24.5%

$116K

Price Range

$108K - $112K

Homes in New Castle are 5% less expensive than Jamestown

Calculate payment - Jamestown Calculate payment - New Castle

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

Jamestown, 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

New Castle, 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

Jamestown, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

New Castle, 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

Jamestown

New Castle

52 Moderate

Air Quality

52 Moderate

47.8%

Good Air Days

47.8%

98 High

Climate Risk

98 High

🌊🌪💨

Top Hazards

🌊🌪💨

▲+3.0°F

2050 Outlook

▲+3.0°F

12 days

Heat Days >95°F

12 days

▲+3.0°F

2050 Outlook

▲+3.0°F

12 days

Heat Days >95°F

12 days

Before moving from Jamestown, NY to New Castle, PA

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

Compare actual homes. Get current quotes in New Castle, PA for the same bedroom count and included utilities as your home in Jamestown, 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 Jamestown to New Castle moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Jamestown, NY vs New Castle, PA

How do the cost estimates for Jamestown, NY and New Castle, PA compare?

New Castle, PA has a modeled overall cost index 13.5% lower than Jamestown, 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 Jamestown, NY, the model estimates $137,342 in New Castle, 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 Jamestown, NY and New Castle, PA?

The modeled two-bedroom rents are $970/month in Jamestown, NY and $1,040/month in New Castle, 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