Roaring Spring, PA vs Arcade, NY: Cost of Living

Which city costs less?

Arcade, NY has a modeled overall cost index 3.7% higher than Roaring Spring, PA.

Roaring Spring, PA · modeled 2BR rent: $1,200 / month
Arcade, NY · modeled 2BR rent: $1,090 / 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 Roaring Spring, PA and Arcade, 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 Roaring Spring, PA

Numbers update automatically as you type

Estimated extra cost: $230/month in Arcade, NY

$150,000 in your current city has a modeled equivalent of $152,766 in Arcade, NY

Regional cost estimates: Roaring Spring, PA uses Pittsburgh, PA. Arcade, NY uses Pittsburgh, PA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 3.7%

More expensive

Monthly Impact

$230

Extra cost

Annual Impact

$2.8K

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.

Roaring Spring, PA

Population:2K

Cost Index:

80.5

100 = national average

Typical Home:$190K

Arcade, NY

Population:2K

Cost Index:

83.5

100 = national average

Typical Home:$203K

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Roaring Spring, PA

The Keystone State

Population

State Tax

Yes

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

Arcade, 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: Roaring Spring, PA vs Arcade, 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	Roaring Spring, PA	Arcade, NY	Difference	Change
Housing	$1,932/mo	$2,003/mo	↑ $71.15more	3.7%
Other	$1,770/mo	$1,835/mo	↑ $65.18more	3.7%
Transportation	$1,339/mo	$1,389/mo	↑ $49.31more	3.7%
Groceries	$1,146/mo	$1,167/mo	↑ $20.90more	1.8%
All Utilities	$702/mo	$715/mo	↑ $12.82more	1.8%
Healthcare	$610/mo	$621/mo	↑ $11.13more	1.8%

Housing

↑ 3.7%

Roaring Spring, PA

$1,932

Arcade, NY

$2,003

Difference

$71.15

Other

↑ 3.7%

Roaring Spring, PA

$1,770

Arcade, NY

$1,835

Difference

$65.18

Transportation

↑ 3.7%

Roaring Spring, PA

$1,339

Arcade, NY

$1,389

Difference

$49.31

Groceries

↑ 1.8%

Roaring Spring, PA

$1,146

Arcade, NY

$1,167

Difference

$20.90

All Utilities

↑ 1.8%

Roaring Spring, PA

$702

Arcade, NY

$715

Difference

$12.82

Healthcare

↑ 1.8%

Roaring Spring, PA

$610

Arcade, NY

$621

Difference

$11.13

🏠Rent Comparison

Studio

From$850

To$930

↑ $80.00

1 Bed

From$990

To$940

↓ $50.00

2 Bed

From$1,200

To$1,090

↓ $110

3 Bed

From$1,540

To$1,480

↓ $60.00

Roaring Spring, PAZIP-level data

1BR range: $990–$990/mo

Arcade, NYZIP-level data

1BR range: $940–$940/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 Roaring Spring, PA

$7,730

Monthly in Arcade, NY

$230

Difference

Home Values

Roaring Spring

Arcade

$190K

Median Value

$203K

↑ +7%

YoY Change

↓ -2.9%

↑ +15.9%

5-Year Change

↑ +26.8%

Homes in Arcade are 7% more expensive than Roaring Spring

Calculate payment - Roaring Spring Calculate payment - Arcade

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

Roaring Spring, 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

Arcade, 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

Roaring Spring, PA Tax Rates

Sales Tax:6.5%

Property Tax:1.4%

Arcade, 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

Roaring Spring

Arcade

52 Moderate

Air Quality

52 Moderate

47.8%

Good Air Days

47.8%

98 High

Climate Risk

98 High

🌊🌪💨

Top Hazards

🌊🌪💨

▲+3.0°F

2050 Outlook

▲+3.0°F

12 days

Heat Days >95°F

12 days

▲+3.0°F

2050 Outlook

▲+3.0°F

12 days

Heat Days >95°F

12 days

Before moving from Roaring Spring, PA to Arcade, NY

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

Compare actual homes. Get current quotes in Arcade, NY for the same bedroom count and included utilities as your home in Roaring Spring, 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 Roaring Spring to Arcade moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Roaring Spring, PA vs Arcade, NY

How do the cost estimates for Roaring Spring, PA and Arcade, NY compare?

Arcade, NY has a modeled overall cost index 3.7% higher than Roaring Spring, 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 Roaring Spring, PA, the model estimates $152,766 in Arcade, 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 Roaring Spring, PA and Arcade, NY?

The modeled two-bedroom rents are $1,200/month in Roaring Spring, PA and $1,090/month in Arcade, 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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