Sunbury, PA vs Lock Haven, PA: Cost of Living

Which city costs less?

Lock Haven, PA has a modeled overall cost index 1.5% higher than Sunbury, PA.

Sunbury, PA · modeled 2BR rent
$970 / month
Lock Haven, PA · modeled 2BR rent
$1,020 / 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 Sunbury, PA and Lock Haven, 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

$
Numbers update automatically as you type

Estimated extra cost: $340/month in Lock Haven, PA

$150,000 in your current city has a modeled equivalent of $154,074 in Lock Haven, PA

Regional cost estimates: Sunbury, PA uses Philadelphia, PA. Lock Haven, PA uses Baltimore, MD. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 1.5%
More expensive
Monthly Impact
$340
Extra cost
Annual Impact
$4.1K
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.

Sunbury, PA

Population:10K
Cost Index:
81.7
100 = national average
Typical Home:$183K

Lock Haven, PA

Population:8K
Cost Index:
82.9
100 = national average
Typical Home:$192K

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Sunbury, PA

The Keystone State

10K
Population
State Tax
Yes

Located in Pennsylvania, this city has a population of 10K residents.

Lock Haven, PA

The Keystone State

8K
Population
State Tax
Yes

Located in Pennsylvania, this city has a population of 8K residents.

Cost Breakdown by Category

Estimated monthly spending: Sunbury, PA vs Lock Haven, 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.

Housing
↑ 30.6%
Sunbury, PA
$1,987
Lock Haven, PA
$2,596
Difference
$609
more
Other
↓ 6.8%
Sunbury, PA
$1,694
Lock Haven, PA
$1,579
Difference
$115
less
Transportation
↓ 5.9%
Sunbury, PA
$1,356
Lock Haven, PA
$1,276
Difference
$80.27
less
Groceries
↓ 2.9%
Sunbury, PA
$1,173
Lock Haven, PA
$1,139
Difference
$34.14
less
Healthcare
↓ 4.6%
Sunbury, PA
$645
Lock Haven, PA
$615
Difference
$29.59
less
All Utilities
↓ 1.6%
Sunbury, PA
$644
Lock Haven, PA
$634
Difference
$10.14
less

🏠Rent Comparison

Studio
From$670
To$770
↑ $100
1 Bed
From$840
To$850
↑ $10.00
2 Bed
From$970
To$1,020
↑ $50.00
3 Bed
From$1,240
To$1,330
↑ $90.00
Sunbury, PAZIP-level data

1BR range: $840–$840/mo

Lock Haven, PAZIP-level data

1BR range: $850–$850/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 Sunbury, PA
$7,840
Monthly in Lock Haven, PA
$340
Difference

Home Values

Sunbury
Lock Haven
$183K
Median Value
$192K
↑ +7.8%
YoY Change
↑ +3%
↑ +14.9%
5-Year Change
↑ +27.9%

Homes in Lock Haven are 5% more expensive than Sunbury

Calculate payment - SunburyCalculate payment - Lock Haven

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Sunbury, 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

Lock Haven, 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

Sunbury, PA Tax Rates

Sales Tax:6.5%
Property Tax:1.4%

Lock Haven, 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

Sunbury
Lock Haven
52 Moderate
Air Quality
45 Good
47.3%
Good Air Days
65.6%
100 Very High
Climate Risk
95 High
🌊🌅🌀
Top Hazards
🌊🌡🌪
▲+2.9°F
2050 Outlook
▲+3.0°F
22 days
Heat Days >95°F
30 days
▲+2.9°F
2050 Outlook
▲+3.0°F
22 days
Heat Days >95°F
30 days

Before moving from Sunbury, PA to Lock Haven, PA

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

  1. Compare actual homes. Get current quotes in Lock Haven, PA for the same bedroom count and included utilities as your home in Sunbury, 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 Sunbury to Lock Haven moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Sunbury, PA vs Lock Haven, PA

How do the cost estimates for Sunbury, PA and Lock Haven, PA compare?

Lock Haven, PA has a modeled overall cost index 1.5% higher than Sunbury, 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 Sunbury, PA, the model estimates $154,074 in Lock Haven, 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 Sunbury, PA and Lock Haven, PA?

The modeled two-bedroom rents are $970/month in Sunbury, PA and $1,020/month in Lock Haven, 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.

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