Liberty, NY vs Jim Thorpe, PA: Cost of Living

Which city costs less?

Jim Thorpe, PA has a modeled overall cost index 14.1% lower than Liberty, NY.

Liberty, NY · modeled 2BR rent: $1,520 / month
Jim Thorpe, PA · modeled 2BR rent: $1,360 / 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 Liberty, NY and Jim Thorpe, 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 Liberty, NY

Numbers update automatically as you type

Estimated savings: $916/month in Jim Thorpe, PA

$150,000 in your current city has a modeled equivalent of $139,012 in Jim Thorpe, PA

Regional cost estimates: Liberty, NY uses Newark, NJ. Jim Thorpe, PA uses Philadelphia, PA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 14.1%

Less expensive

Monthly Impact

$916

Savings

Annual Impact

$11.0K

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.

Liberty, NY

Population:5K

Cost Index:

98.9

100 = national average

Typical Home:$253K

Jim Thorpe, PA

Population:5K

Cost Index:

84.9

100 = national average

Typical Home:$265K

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Liberty, NY

The Empire State

Population

State Tax

Yes

Located in New York, this city has a population of 5K residents.

Jim Thorpe, PA

The Keystone State

Population

State Tax

Yes

Located in Pennsylvania, this city has a population of 5K residents.

Cost Breakdown by Category

Estimated monthly spending: Liberty, NY vs Jim Thorpe, 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	Liberty, NY	Jim Thorpe, PA	Difference	Change
Other	$1,864/mo	$1,497/mo	↓ $368less	19.7%
Transportation	$1,471/mo	$1,198/mo	↓ $273less	18.6%
Housing	$1,873/mo	$1,756/mo	↓ $117less	6.3%
Healthcare	$662/mo	$559/mo	↓ $102less	15.5%
Groceries	$1,057/mo	$1,017/mo	↓ $40.63less	3.8%
All Utilities	$573/mo	$558/mo	↓ $14.45less	2.5%

Other

↓ 19.7%

Liberty, NY

$1,864

Jim Thorpe, PA

$1,497

Difference

$368

less

Transportation

↓ 18.6%

Liberty, NY

$1,471

Jim Thorpe, PA

$1,198

Difference

$273

less

Housing

↓ 6.3%

Liberty, NY

$1,873

Jim Thorpe, PA

$1,756

Difference

$117

less

Healthcare

↓ 15.5%

Liberty, NY

$662

Jim Thorpe, PA

$559

Difference

$102

less

Groceries

↓ 3.8%

Liberty, NY

$1,057

Jim Thorpe, PA

$1,017

Difference

$40.63

less

All Utilities

↓ 2.5%

Liberty, NY

$573

Jim Thorpe, PA

$558

Difference

$14.45

less

🏠Rent Comparison

Studio

From$1,030

To$930

↓ $100

1 Bed

From$1,180

To$1,100

↓ $80.00

2 Bed

From$1,520

To$1,360

↓ $160

3 Bed

From$1,920

To$1,740

↓ $180

Liberty, NYZIP-level data

1BR range: $1,180–$1,180/mo

Jim Thorpe, PAZIP-level data

1BR range: $1,100–$1,100/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 Liberty, NY

$6,584

Monthly in Jim Thorpe, PA

$916

Difference

Home Values

Liberty

Jim Thorpe

$253K

Median Value

$265K

↑ +6.9%

YoY Change

↑ +1.5%

↑ +97.9%

5-Year Change

↑ +51.3%

Homes in Jim Thorpe are 5% more expensive than Liberty

Calculate payment - Liberty Calculate payment - Jim Thorpe

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

Liberty, 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

Jim Thorpe, 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

Liberty, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Jim Thorpe, 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

Liberty

Jim Thorpe

N/A

Air Quality

52 Moderate

Good Air Days

47.3%

98 High

Climate Risk

100 Very High

🌊🌡🌪

Top Hazards

🌊🌅🌀

▲+2.9°F

2050 Outlook

▲+2.9°F

15 days

Heat Days >95°F

22 days

▲+2.9°F

2050 Outlook

▲+2.9°F

15 days

Heat Days >95°F

22 days

Before moving from Liberty, NY to Jim Thorpe, PA

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

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

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

Frequently Asked Questions: Liberty, NY vs Jim Thorpe, PA

How do the cost estimates for Liberty, NY and Jim Thorpe, PA compare?

Jim Thorpe, PA has a modeled overall cost index 14.1% lower than Liberty, 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 Liberty, NY, the model estimates $139,012 in Jim Thorpe, 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 Liberty, NY and Jim Thorpe, PA?

The modeled two-bedroom rents are $1,520/month in Liberty, NY and $1,360/month in Jim Thorpe, 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