Sayre, PA vs Frostburg, MD: Cost of Living

Which city costs less?

Frostburg, MD has a modeled overall cost index 7.0% higher than Sayre, PA.

Sayre, PA · modeled 2BR rent
$1,070 / month
Frostburg, MD · 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 Sayre, PA and Frostburg, MD 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 extra cost: $291/month in Frostburg, MD

$150,000 in your current city has a modeled equivalent of $153,487 in Frostburg, MD

Regional cost estimates: Sayre, PA uses Newark, NJ. Frostburg, MD uses Pittsburgh, PA. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 7.0%
More expensive
Monthly Impact
$291
Extra cost
Annual Impact
$3.5K
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.

Sayre, PA

Population:5K
Cost Index:
82.5
100 = national average
Typical Home:$186K

Frostburg, MD

Population:7K
Cost Index:
88.3
100 = national average
Typical Home:$170K

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Sayre, PA

The Keystone State

5K
Population
State Tax
Yes

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

Frostburg, MD

The Old Line State

7K
Population
State Tax
Yes

Located in Maryland, this city has a population of 7K residents.

Cost Breakdown by Category

Estimated monthly spending: Sayre, PA vs Frostburg, MD

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
↑ 11.9%
Sayre, PA
$1,820
Frostburg, MD
$2,037
Difference
$217
more
All Utilities
↑ 16.0%
Sayre, PA
$610
Frostburg, MD
$707
Difference
$97.74
more
Healthcare
↓ 12.7%
Sayre, PA
$704
Frostburg, MD
$614
Difference
$89.70
less
Other
↑ 3.0%
Sayre, PA
$1,812
Frostburg, MD
$1,866
Difference
$54.52
more
Groceries
↑ 2.6%
Sayre, PA
$1,125
Frostburg, MD
$1,154
Difference
$28.69
more
Transportation
↓ 1.2%
Sayre, PA
$1,430
Frostburg, MD
$1,412
Difference
$17.69
less

🏠Rent Comparison

Studio
From$840
To$750
↓ $90.00
1 Bed
From$850
To$870
↑ $20.00
2 Bed
From$1,070
To$1,030
↓ $40.00
3 Bed
From$1,350
To$1,410
↑ $60.00
Sayre, PAZIP-level data

1BR range: $850–$850/mo

Frostburg, MDZIP-level data

1BR range: $870–$870/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 Sayre, PA
$7,791
Monthly in Frostburg, MD
$291
Difference

Home Values

Sayre
Frostburg
$186K
Median Value
$170K
↑ +5%
YoY Change
↑ +4%
↑ +38.8%
5-Year Change
↑ +30.8%

Homes in Frostburg are 8% less expensive than Sayre

Calculate payment - SayreCalculate payment - Frostburg

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $2.7K
More taxes
Monthly Difference
$221
Less take-home
Effective Rate Diff
1.8%
Rate difference

Sayre, 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

Frostburg, 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

Additional Tax Information

Sayre, PA Tax Rates

Sales Tax:6.5%
Property Tax:1.4%

Frostburg, MD Tax Rates

Sales Tax:6.0%
Property Tax:1.1%

💡 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

Sayre
Frostburg
N/A
Air Quality
52 Moderate
-
Good Air Days
47.8%
98 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌪💨
▲+2.9°F
2050 Outlook
▲+3.0°F
15 days
Heat Days >95°F
12 days
▲+2.9°F
2050 Outlook
▲+3.0°F
15 days
Heat Days >95°F
12 days

Before moving from Sayre, PA to Frostburg, MD

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

  1. Compare actual homes. Get current quotes in Frostburg, MD for the same bedroom count and included utilities as your home in Sayre, 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 Sayre to Frostburg moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Sayre, PA vs Frostburg, MD

How do the cost estimates for Sayre, PA and Frostburg, MD compare?

Frostburg, MD has a modeled overall cost index 7.0% higher than Sayre, 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 Sayre, PA, the model estimates $153,487 in Frostburg, MD. 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 Sayre, PA and Frostburg, MD?

The modeled two-bedroom rents are $1,070/month in Sayre, PA and $1,030/month in Frostburg, MD. 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 Maryland on TaxTakeHome.com

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