Penn Yan, NY vs Edinboro, PA: Cost of Living

Which city costs less?

Edinboro, PA has a modeled overall cost index 10.0% lower than Penn Yan, NY.

Penn Yan, NY · modeled 2BR rent: $1,030 / month
Edinboro, PA · modeled 2BR rent: $1,210 / 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 Penn Yan, NY and Edinboro, 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 Penn Yan, NY

Numbers update automatically as you type

Estimated savings: $629/month in Edinboro, PA

$150,000 in your current city has a modeled equivalent of $142,450 in Edinboro, PA

Regional cost estimates: Penn Yan, NY uses Newark, NJ. Edinboro, PA uses Cleveland, OH. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 10.0%

Less expensive

Monthly Impact

$629

Savings

Annual Impact

$7.6K

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.

Penn Yan, NY

Population:5K

Cost Index:

88.5

100 = national average

Typical Home:$312K

Edinboro, PA

Population:6K

Cost Index:

79.6

100 = national average

Typical Home:$280K

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Penn Yan, NY

The Empire State

Population

State Tax

Yes

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

Edinboro, PA

The Keystone State

Population

State Tax

Yes

Located in Pennsylvania, this city has a population of 6K residents.

Cost Breakdown by Category

Estimated monthly spending: Penn Yan, NY vs Edinboro, 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	Penn Yan, NY	Edinboro, PA	Difference	Change
Housing	$1,841/mo	$1,605/mo	↓ $236less	12.8%
Other	$1,832/mo	$1,669/mo	↓ $163less	8.9%
Healthcare	$687/mo	$573/mo	↓ $114less	16.6%
All Utilities	$595/mo	$505/mo	↓ $89.93less	15.1%
Groceries	$1,098/mo	$1,054/mo	↓ $44.00less	4.0%
Transportation	$1,446/mo	$1,464/mo	↑ $18.59more	1.3%

Housing

↓ 12.8%

Penn Yan, NY

$1,841

Edinboro, PA

$1,605

Difference

$236

less

Other

↓ 8.9%

Penn Yan, NY

$1,832

Edinboro, PA

$1,669

Difference

$163

less

Healthcare

↓ 16.6%

Penn Yan, NY

$687

Edinboro, PA

$573

Difference

$114

less

All Utilities

↓ 15.1%

Penn Yan, NY

$595

Edinboro, PA

$505

Difference

$89.93

less

Groceries

↓ 4.0%

Penn Yan, NY

$1,098

Edinboro, PA

$1,054

Difference

$44.00

less

Transportation

↑ 1.3%

Penn Yan, NY

$1,446

Edinboro, PA

$1,464

Difference

$18.59

🏠Rent Comparison

Studio

From$710

To$840

↑ $130

1 Bed

From$780

To$950

↑ $170

2 Bed

From$1,030

To$1,210

↑ $180

3 Bed

From$1,250

To$1,500

↑ $250

Penn Yan, NYZIP-level data

1BR range: $780–$780/mo

Edinboro, PAZIP-level data

1BR range: $950–$950/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 Penn Yan, NY

$6,871

Monthly in Edinboro, PA

$629

Difference

Home Values

Penn Yan

Edinboro

$312K

Median Value

$280K

↑ +0.6%

YoY Change

↑ +5.1%

↑ +39.7%

5-Year Change

↑ +39.5%

Homes in Edinboro are 10% less expensive than Penn Yan

Calculate payment - Penn Yan Calculate payment - Edinboro

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

Penn Yan, 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

Edinboro, 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

Penn Yan, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Edinboro, 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

Penn Yan

Edinboro

N/A

Air Quality

54 Moderate

Good Air Days

37.2%

98 High

Climate Risk

98 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+2.9°F

2050 Outlook

▲+3.3°F

15 days

Heat Days >95°F

11 days

▲+2.9°F

2050 Outlook

▲+3.3°F

15 days

Heat Days >95°F

11 days

Before moving from Penn Yan, NY to Edinboro, PA

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

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

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

Frequently Asked Questions: Penn Yan, NY vs Edinboro, PA

How do the cost estimates for Penn Yan, NY and Edinboro, PA compare?

Edinboro, PA has a modeled overall cost index 10.0% lower than Penn Yan, 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 Penn Yan, NY, the model estimates $142,450 in Edinboro, 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 Penn Yan, NY and Edinboro, PA?

The modeled two-bedroom rents are $1,030/month in Penn Yan, NY and $1,210/month in Edinboro, 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

Where your money goes further

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