Luzerne, PA vs Silver Creek, NY: Cost of Living

Which city costs less?

Silver Creek, NY has a modeled overall cost index 6.5% lower than Luzerne, PA.

Luzerne, PA · modeled 2BR rent
$1,030 / month
Silver Creek, NY · modeled 2BR rent
$1,100 / 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 Luzerne, PA and Silver Creek, 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

$
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Estimated savings: $398/month in Silver Creek, NY

$150,000 in your current city has a modeled equivalent of $145,222 in Silver Creek, NY

Regional cost estimates: Luzerne, PA uses Philadelphia, PA. Silver Creek, NY uses Cleveland, OH. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 6.5%
Less expensive
Monthly Impact
$398
Savings
Annual Impact
$4.8K
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.

Luzerne, PA

Population:3K
Cost Index:
78.8
100 = national average
Typical Home:$167K

Silver Creek, NY

Population:3K
Cost Index:
73.6
100 = national average
Typical Home:$180K

Planning the move to Silver Creek?

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Luzerne, PA

The Keystone State

3K
Population
State Tax
Yes

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

Silver Creek, NY

The Empire State

3K
Population
State Tax
Yes

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

Cost Breakdown by Category

Estimated monthly spending: Luzerne, PA vs Silver Creek, 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
↓ 17.1%
Luzerne, PA
$1,975
Silver Creek, NY
$1,638
Difference
$337
less
Transportation
↑ 10.9%
Luzerne, PA
$1,348
Silver Creek, NY
$1,495
Difference
$147
more
All Utilities
↓ 17.8%
Luzerne, PA
$652
Silver Creek, NY
$537
Difference
$116
less
Groceries
↓ 5.7%
Luzerne, PA
$1,188
Silver Creek, NY
$1,120
Difference
$67.96
less
Healthcare
↓ 6.8%
Luzerne, PA
$653
Silver Creek, NY
$608
Difference
$44.72
less
Other
↑ 1.2%
Luzerne, PA
$1,684
Silver Creek, NY
$1,704
Difference
$20.18
more

🏠Rent Comparison

Studio
From$710
To$770
↑ $60.00
1 Bed
From$850
To$850
→ $0
2 Bed
From$1,030
To$1,100
↑ $70.00
3 Bed
From$1,340
To$1,450
↑ $110
Luzerne, PAZIP-level data

1BR range: $850–$850/mo

Silver Creek, NYZIP-level data

1BR range: $850–$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 Luzerne, PA
$7,102
Monthly in Silver Creek, NY
$398
Difference

Home Values

Luzerne
Silver Creek
$167K
Median Value
$180K
↑ +1.7%
YoY Change
↑ +4.1%
↑ +41.1%
5-Year Change
↑ +50.5%

Homes in Silver Creek are 8% more expensive than Luzerne

Calculate payment - LuzerneCalculate payment - Silver Creek

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

Luzerne, 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

Silver Creek, 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

Luzerne, PA Tax Rates

Sales Tax:6.5%
Property Tax:1.4%

Silver Creek, 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

Luzerne
Silver Creek
52 Moderate
Air Quality
54 Moderate
47.3%
Good Air Days
37.2%
100 Very High
Climate Risk
98 High
🌊🌅🌀
Top Hazards
🌊🌡🌪
▲+2.9°F
2050 Outlook
▲+3.3°F
22 days
Heat Days >95°F
11 days
▲+2.9°F
2050 Outlook
▲+3.3°F
22 days
Heat Days >95°F
11 days

Before moving from Luzerne, PA to Silver Creek, 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 Silver Creek, NY for the same bedroom count and included utilities as your home in Luzerne, 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 Luzerne to Silver Creek moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Luzerne, PA vs Silver Creek, NY

How do the cost estimates for Luzerne, PA and Silver Creek, NY compare?

Silver Creek, NY has a modeled overall cost index 6.5% lower than Luzerne, 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 Luzerne, PA, the model estimates $145,222 in Silver Creek, 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 Luzerne, PA and Silver Creek, NY?

The modeled two-bedroom rents are $1,030/month in Luzerne, PA and $1,100/month in Silver Creek, 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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