Massena, NY vs Bradford, PA: Cost of Living

Which city costs less?

Bradford, PA has a modeled overall cost index 11.7% lower than Massena, NY.

Massena, NY · modeled 2BR rent: $970 / month
Bradford, PA · modeled 2BR rent: $990 / 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 Massena, NY and Bradford, 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 Massena, NY

Numbers update automatically as you type

Estimated savings: $1,021/month in Bradford, PA

$150,000 in your current city has a modeled equivalent of $137,749 in Bradford, PA

Regional cost estimates: Massena, NY uses Boston, MA. Bradford, PA uses Pittsburgh, PA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 11.7%

Less expensive

Monthly Impact

$1,021

Savings

Annual Impact

$12.3K

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.

Massena, NY

Population:10K

Cost Index:

92.6

100 = national average

Typical Home:$113K

Bradford, PA

Population:8K

Cost Index:

81.8

100 = national average

Typical Home:$101K

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Massena, NY

The Empire State

10K

Population

State Tax

Yes

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

Bradford, PA

The Keystone State

Population

State Tax

Yes

Located in Pennsylvania, this city has a population of 8K residents.

Cost Breakdown by Category

Estimated monthly spending: Massena, NY vs Bradford, 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	Massena, NY	Bradford, PA	Difference	Change
Housing	$3,064/mo	$1,673/mo	↓ $1,390less	45.4%
Other	$1,177/mo	$1,533/mo	↑ $356more	30.2%
Groceries	$883/mo	$985/mo	↑ $101more	11.5%
Healthcare	$609/mo	$524/mo	↓ $84.42less	13.9%
Transportation	$1,181/mo	$1,160/mo	↓ $21.25less	1.8%
All Utilities	$586/mo	$604/mo	↑ $17.76more	3.0%

Housing

↓ 45.4%

Massena, NY

$3,064

Bradford, PA

$1,673

Difference

$1,390

less

Other

↑ 30.2%

Massena, NY

$1,177

Bradford, PA

$1,533

Difference

$356

Groceries

↑ 11.5%

Massena, NY

$883

Bradford, PA

$985

Difference

$101

Healthcare

↓ 13.9%

Massena, NY

$609

Bradford, PA

$524

Difference

$84.42

less

Transportation

↓ 1.8%

Massena, NY

$1,181

Bradford, PA

$1,160

Difference

$21.25

less

All Utilities

↑ 3.0%

Massena, NY

$586

Bradford, PA

$604

Difference

$17.76

🏠Rent Comparison

Studio

From$670

To$720

↑ $50.00

1 Bed

From$740

To$850

↑ $110

2 Bed

From$970

To$990

↑ $20.00

3 Bed

From$1,170

To$1,240

↑ $70.00

Massena, NYZIP-level data

1BR range: $740–$740/mo

Bradford, PAZIP-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 Massena, NY

$6,479

Monthly in Bradford, PA

$1,021

Difference

Home Values

Massena

Bradford

$113K

Median Value

$101K

↑ +1.2%

YoY Change

↑ +0.4%

↑ +41.1%

5-Year Change

↑ +17.9%

Homes in Bradford are 10% less expensive than Massena

Calculate payment - Massena Calculate payment - Bradford

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

Massena, 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

Bradford, 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

Massena, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Bradford, 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

Massena

Bradford

36 Good

Air Quality

52 Moderate

79.5%

Good Air Days

47.8%

94 Moderate

Climate Risk

98 High

🌊🌅🌀

Top Hazards

🌊🌪💨

▲+2.5°F

2050 Outlook

▲+3.0°F

6 days

Heat Days >95°F

12 days

▲+2.5°F

2050 Outlook

▲+3.0°F

6 days

Heat Days >95°F

12 days

Before moving from Massena, NY to Bradford, PA

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

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

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

Frequently Asked Questions: Massena, NY vs Bradford, PA

How do the cost estimates for Massena, NY and Bradford, PA compare?

Bradford, PA has a modeled overall cost index 11.7% lower than Massena, 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 Massena, NY, the model estimates $137,749 in Bradford, 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 Massena, NY and Bradford, PA?

The modeled two-bedroom rents are $970/month in Massena, NY and $990/month in Bradford, 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