Matamoras, PA vs New Hartford, NY: Cost of Living

Which city costs less?

New Hartford, NY has a modeled overall cost index 19.8% lower than Matamoras, PA.

Matamoras, PA · modeled 2BR rent: $1,500 / month
New Hartford, NY · modeled 2BR rent: $1,440 / 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

Adjust your income and compare the budget ↓

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Cost of Living Comparison 2026

Compare Matamoras, PA and New Hartford, 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

Current salary in Matamoras, PA

Numbers update automatically as you type

Estimated savings: $1,264/month in New Hartford, NY

$150,000 in your current city has a modeled equivalent of $134,837 in New Hartford, NY

Regional cost estimates: Matamoras, PA uses Newark, NJ. New Hartford, NY uses Newark, NJ. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 19.8%

Less expensive

Monthly Impact

$1,264

Savings

Annual Impact

$15.2K

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.

Matamoras, PA

Population:2K

Cost Index:

94.0

100 = national average

Typical Home:$293K

New Hartford, NY

Population:2K

Cost Index:

75.4

100 = national average

Typical Home:$292K

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Matamoras, PA

The Keystone State

Population

State Tax

Yes

Located in Pennsylvania, this city has a population of 2K residents.

New Hartford, NY

The Empire State

Population

State Tax

Yes

Located in New York, this city has a population of 2K residents.

Cost Breakdown by Category

Estimated monthly spending: Matamoras, PA vs New Hartford, 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.

Category	Matamoras, PA	New Hartford, NY	Difference	Change
Housing	$1,858/mo	$1,491/mo	↓ $367less	19.8%
Other	$1,850/mo	$1,484/mo	↓ $365less	19.8%
Transportation	$1,460/mo	$1,171/mo	↓ $288less	19.8%
Groceries	$1,076/mo	$964/mo	↓ $112less	10.4%
Healthcare	$673/mo	$603/mo	↓ $70.14less	10.4%
All Utilities	$583/mo	$522/mo	↓ $60.75less	10.4%

Housing

↓ 19.8%

Matamoras, PA

$1,858

New Hartford, NY

$1,491

Difference

$367

less

Other

↓ 19.8%

Matamoras, PA

$1,850

New Hartford, NY

$1,484

Difference

$365

less

Transportation

↓ 19.8%

Matamoras, PA

$1,460

New Hartford, NY

$1,171

Difference

$288

less

Groceries

↓ 10.4%

Matamoras, PA

$1,076

New Hartford, NY

$964

Difference

$112

less

Healthcare

↓ 10.4%

Matamoras, PA

$673

New Hartford, NY

$603

Difference

$70.14

less

All Utilities

↓ 10.4%

Matamoras, PA

$583

New Hartford, NY

$522

Difference

$60.75

less

🏠Rent Comparison

Studio

From$1,150

To$1,100

↓ $50.00

1 Bed

From$1,160

To$1,140

↓ $20.00

2 Bed

From$1,500

To$1,440

↓ $60.00

3 Bed

From$1,940

To$1,730

↓ $210

Matamoras, PAZIP-level data

1BR range: $1,160–$1,160/mo

New Hartford, NYZIP-level data

1BR range: $1,140–$1,140/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 Matamoras, PA

$6,236

Monthly in New Hartford, NY

$1,264

Difference

Home Values

Matamoras

New Hartford

$293K

Median Value

$292K

↑ +4.7%

YoY Change

↑ +8.4%

↑ +46.9%

5-Year Change

↑ +47.7%

Calculate payment - Matamoras Calculate payment - New Hartford

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

Matamoras, 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

New Hartford, 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

Matamoras, PA Tax Rates

Sales Tax:6.5%

Property Tax:1.4%

New Hartford, 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

Matamoras

New Hartford

98 High

Climate Risk

98 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+2.9°F

2050 Outlook

▲+2.9°F

15 days

Heat Days >95°F

15 days

▲+2.9°F

2050 Outlook

▲+2.9°F

15 days

Heat Days >95°F

15 days

Before moving from Matamoras, PA to New Hartford, NY

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

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

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

Frequently Asked Questions: Matamoras, PA vs New Hartford, NY

How do the cost estimates for Matamoras, PA and New Hartford, NY compare?

New Hartford, NY has a modeled overall cost index 19.8% lower than Matamoras, 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 Matamoras, PA, the model estimates $134,837 in New Hartford, 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 Matamoras, PA and New Hartford, NY?

The modeled two-bedroom rents are $1,500/month in Matamoras, PA and $1,440/month in New Hartford, 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