Rock Hall, MD vs Centre Hall, PA: Cost of Living

Which city costs less?

Centre Hall, PA has a modeled overall cost index 15.9% lower than Rock Hall, MD.

Rock Hall, MD · modeled 2BR rent: $1,360 / month
Centre Hall, PA · modeled 2BR rent: $1,290 / 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 Rock Hall, MD and Centre Hall, 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 Rock Hall, MD

Numbers update automatically as you type

Estimated savings: $1,025/month in Centre Hall, PA

$150,000 in your current city has a modeled equivalent of $137,702 in Centre Hall, PA

Regional cost estimates: Rock Hall, MD uses Baltimore, MD. Centre Hall, PA uses Baltimore, MD. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 15.9%

Less expensive

Monthly Impact

$1,025

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.

Rock Hall, MD

Population:1K

Cost Index:

91.7

100 = national average

Typical Home:$351K

Centre Hall, PA

Population:1K

Cost Index:

77.1

100 = national average

Typical Home:$326K

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Rock Hall, MD

The Old Line State

Population

State Tax

Yes

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

Centre Hall, PA

The Keystone State

Population

State Tax

Yes

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

Cost Breakdown by Category

Estimated monthly spending: Rock Hall, MD vs Centre Hall, 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	Rock Hall, MD	Centre Hall, PA	Difference	Change
Housing	$2,521/mo	$2,120/mo	↓ $401less	15.9%
Other	$1,534/mo	$1,290/mo	↓ $244less	15.9%
Transportation	$1,239/mo	$1,042/mo	↓ $197less	15.9%
Groceries	$1,052/mo	$965/mo	↓ $87.24less	8.3%
All Utilities	$586/mo	$537/mo	↓ $48.58less	8.3%
Healthcare	$568/mo	$521/mo	↓ $47.14less	8.3%

Housing

↓ 15.9%

Rock Hall, MD

$2,521

Centre Hall, PA

$2,120

Difference

$401

less

Other

↓ 15.9%

Rock Hall, MD

$1,534

Centre Hall, PA

$1,290

Difference

$244

less

Transportation

↓ 15.9%

Rock Hall, MD

$1,239

Centre Hall, PA

$1,042

Difference

$197

less

Groceries

↓ 8.3%

Rock Hall, MD

$1,052

Centre Hall, PA

$965

Difference

$87.24

less

All Utilities

↓ 8.3%

Rock Hall, MD

$586

Centre Hall, PA

$537

Difference

$48.58

less

Healthcare

↓ 8.3%

Rock Hall, MD

$568

Centre Hall, PA

$521

Difference

$47.14

less

🏠Rent Comparison

Studio

From$1,160

To$1,110

↓ $50.00

1 Bed

From$1,240

To$1,120

↓ $120

2 Bed

From$1,360

To$1,290

↓ $70.00

3 Bed

From$1,780

To$1,570

↓ $210

Rock Hall, MDZIP-level data

1BR range: $1,240–$1,240/mo

Centre Hall, PAZIP-level data

1BR range: $1,120–$1,120/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 Rock Hall, MD

$6,475

Monthly in Centre Hall, PA

$1,025

Difference

Home Values

Rock Hall

Centre Hall

$351K

Median Value

$326K

↑ +2.2%

YoY Change

↑ +2.7%

↑ +30.7%

5-Year Change

↑ +25.4%

Homes in Centre Hall are 7% less expensive than Rock Hall

Calculate payment - Rock Hall Calculate payment - Centre Hall

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.7K

Per year

Monthly Difference

$221

More take-home

Effective Rate Diff

1.8%

Rate difference

Rock Hall, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

Centre 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

Additional Tax Information

Rock Hall, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

Centre Hall, 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

Rock Hall

Centre Hall

45 Good

Air Quality

45 Good

65.6%

Good Air Days

65.6%

95 High

Climate Risk

95 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+3.0°F

2050 Outlook

▲+3.0°F

30 days

Heat Days >95°F

30 days

▲+3.0°F

2050 Outlook

▲+3.0°F

30 days

Heat Days >95°F

30 days

Before moving from Rock Hall, MD to Centre Hall, PA

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

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

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

Frequently Asked Questions: Rock Hall, MD vs Centre Hall, PA

How do the cost estimates for Rock Hall, MD and Centre Hall, PA compare?

Centre Hall, PA has a modeled overall cost index 15.9% lower than Rock Hall, MD. 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 Rock Hall, MD, the model estimates $137,702 in Centre Hall, 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 Rock Hall, MD and Centre Hall, PA?

The modeled two-bedroom rents are $1,360/month in Rock Hall, MD and $1,290/month in Centre Hall, 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 Maryland and Pennsylvania on TaxTakeHome.com