Kingston, PA vs Oneida, NY: Cost of Living

Which city costs less?

Oneida, NY has a modeled overall cost index 1.2% lower than Kingston, PA.

Kingston, PA · modeled 2BR rent
$1,260 / month
Oneida, NY · modeled 2BR rent
$1,190 / 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 Kingston, PA and Oneida, NY 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 savings: $65.69/month in Oneida, NY

$150,000 in your current city has a modeled equivalent of $149,212 in Oneida, NY

Regional cost estimates: Kingston, PA uses Philadelphia, PA. Oneida, NY uses Newark, NJ. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 1.2%
Less expensive
Monthly Impact
$65.69
Savings
Annual Impact
$788
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.

Kingston, PA

Population:13K
Cost Index:
84.0
100 = national average
Typical Home:$207K

Oneida, NY

Population:10K
Cost Index:
82.9
100 = national average
Typical Home:$201K

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Kingston, PA

The Keystone State

13K
Population
State Tax
Yes

Located in Pennsylvania, this city has a population of 13K residents.

Oneida, NY

The Empire State

10K
Population
State Tax
Yes

Located in New York, this city has a population of 10K residents.

Cost Breakdown by Category

Estimated monthly spending: Kingston, PA vs Oneida, NY

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
↓ 9.5%
Kingston, PA
$1,996
Oneida, NY
$1,806
Difference
$190
less
Other
↑ 5.6%
Kingston, PA
$1,702
Oneida, NY
$1,798
Difference
$95.96
more
Healthcare
↑ 9.0%
Kingston, PA
$639
Oneida, NY
$696
Difference
$57.27
more
Transportation
↑ 4.1%
Kingston, PA
$1,362
Oneida, NY
$1,418
Difference
$56.01
more
Groceries
↓ 4.2%
Kingston, PA
$1,162
Oneida, NY
$1,113
Difference
$49.23
less
All Utilities
↓ 5.5%
Kingston, PA
$638
Oneida, NY
$603
Difference
$35.33
less

🏠Rent Comparison

Studio
From$870
To$870
→ $0
1 Bed
From$1,030
To$970
↓ $60.00
2 Bed
From$1,260
To$1,190
↓ $70.00
3 Bed
From$1,640
To$1,460
↓ $180
Kingston, PAZIP-level data

1BR range: $1,030–$1,030/mo

Oneida, NYZIP-level data

1BR range: $970–$970/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 Kingston, PA
$7,434
Monthly in Oneida, NY
$65.69
Difference

Home Values

Kingston
Oneida
$207K
Median Value
$201K
↑ +2.5%
YoY Change
↑ +5.5%
↑ +44.5%
5-Year Change
↑ +47.1%

Homes in Oneida are 3% less expensive than Kingston

Calculate payment - KingstonCalculate payment - Oneida

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $4.9K
More taxes
Monthly Difference
$412
Less take-home
Effective Rate Diff
3.3%
Rate difference

Kingston, 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

Oneida, 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

Additional Tax Information

Kingston, PA Tax Rates

Sales Tax:6.5%
Property Tax:1.4%

Oneida, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

💡 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

Kingston
Oneida
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 Kingston, PA to Oneida, NY

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

  1. Compare actual homes. Get current quotes in Oneida, NY for the same bedroom count and included utilities as your home in Kingston, 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 Kingston to Oneida moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Kingston, PA vs Oneida, NY

How do the cost estimates for Kingston, PA and Oneida, NY compare?

Oneida, NY has a modeled overall cost index 1.2% lower than Kingston, 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 Kingston, PA, the model estimates $149,212 in Oneida, NY. 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 Kingston, PA and Oneida, NY?

The modeled two-bedroom rents are $1,260/month in Kingston, PA and $1,190/month in Oneida, NY. 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 Pennsylvania and New York on TaxTakeHome.com

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