Mill Hall, PA vs Montour Falls, NY: Cost of Living

Which city costs less?

Montour Falls, NY has a modeled overall cost index 3.0% lower than Mill Hall, PA.

Mill Hall, PA · modeled 2BR rent
$1,010 / month
Montour Falls, NY · modeled 2BR rent
$1,030 / 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 Mill Hall, PA and Montour Falls, 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: $402/month in Montour Falls, NY

$150,000 in your current city has a modeled equivalent of $145,173 in Montour Falls, NY

Regional cost estimates: Mill Hall, PA uses Baltimore, MD. Montour Falls, NY uses Newark, NJ. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 3.0%
Less expensive
Monthly Impact
$402
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.

Mill Hall, PA

Population:1K
Cost Index:
76.1
100 = national average
Typical Home:$213K

Montour Falls, NY

Population:2K
Cost Index:
73.8
100 = national average
Typical Home:$198K

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Mill Hall, PA

The Keystone State

1K
Population
State Tax
Yes

Located in Pennsylvania, this city has a population of 1K residents.

Montour Falls, NY

The Empire State

2K
Population
State Tax
Yes

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

Cost Breakdown by Category

Estimated monthly spending: Mill Hall, PA vs Montour Falls, 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
↓ 31.0%
Mill Hall, PA
$2,451
Montour Falls, NY
$1,691
Difference
$760
less
Other
↑ 12.9%
Mill Hall, PA
$1,491
Montour Falls, NY
$1,683
Difference
$192
more
Transportation
↑ 10.3%
Mill Hall, PA
$1,205
Montour Falls, NY
$1,328
Difference
$124
more
Healthcare
↑ 14.0%
Mill Hall, PA
$607
Montour Falls, NY
$691
Difference
$84.86
more
All Utilities
↓ 4.2%
Mill Hall, PA
$625
Montour Falls, NY
$599
Difference
$26.24
less
Groceries
↓ 1.5%
Mill Hall, PA
$1,122
Montour Falls, NY
$1,105
Difference
$17.34
less

🏠Rent Comparison

Studio
From$780
To$710
↓ $70.00
1 Bed
From$790
To$780
↓ $10.00
2 Bed
From$1,010
To$1,030
↑ $20.00
3 Bed
From$1,280
To$1,350
↑ $70.00
Mill Hall, PAZIP-level data

1BR range: $790–$790/mo

Montour Falls, NYZIP-level data

1BR range: $780–$780/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 Mill Hall, PA
$7,098
Monthly in Montour Falls, NY
$402
Difference

Home Values

Mill Hall
Montour Falls
$213K
Median Value
$198K
↑ +4.5%
YoY Change
↓ -1.4%
↑ +26%
5-Year Change
↑ +27.5%

Homes in Montour Falls are 7% less expensive than Mill Hall

Calculate payment - Mill HallCalculate payment - Montour Falls

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

Mill Hall, 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

Montour Falls, 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

Mill Hall, PA Tax Rates

Sales Tax:6.5%
Property Tax:1.4%

Montour Falls, 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

Mill Hall
Montour Falls
45 Good
Air Quality
N/A
65.6%
Good Air Days
-
95 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.0°F
2050 Outlook
▲+2.9°F
30 days
Heat Days >95°F
15 days
▲+3.0°F
2050 Outlook
▲+2.9°F
30 days
Heat Days >95°F
15 days

Before moving from Mill Hall, PA to Montour Falls, 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 Montour Falls, NY for the same bedroom count and included utilities as your home in Mill Hall, 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 Mill Hall to Montour Falls moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Mill Hall, PA vs Montour Falls, NY

How do the cost estimates for Mill Hall, PA and Montour Falls, NY compare?

Montour Falls, NY has a modeled overall cost index 3.0% lower than Mill Hall, 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 Mill Hall, PA, the model estimates $145,173 in Montour Falls, 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 Mill Hall, PA and Montour Falls, NY?

The modeled two-bedroom rents are $1,010/month in Mill Hall, PA and $1,030/month in Montour Falls, 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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