Wilkinsburg, PA vs Oswego, NY: Cost of Living

Which city costs less?

Oswego, NY has a modeled overall cost index 15.8% higher than Wilkinsburg, PA.

Wilkinsburg, PA · modeled 2BR rent
$1,400 / month
Oswego, NY · modeled 2BR rent
$1,360 / 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

Adjust your income and compare the budget ↓
Tap to swap

Cost of Living Comparison 2026

Compare Wilkinsburg, PA and Oswego, 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

$
Numbers update automatically as you type

Estimated extra cost: $1,147/month in Oswego, NY

$150,000 in your current city has a modeled equivalent of $163,758 in Oswego, NY

Regional cost estimates: Wilkinsburg, PA uses Pittsburgh, PA. Oswego, NY uses Newark, NJ. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 15.8%
More expensive
Monthly Impact
$1,147
Extra cost
Annual Impact
$13.8K
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.

Wilkinsburg, PA

Population:14K
Cost Index:
83.0
100 = national average
Typical Home:$142K

Oswego, NY

Population:17K
Cost Index:
96.2
100 = national average
Typical Home:$175K

Planning the move to Oswego?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Wilkinsburg, PA

The Keystone State

14K
Population
State Tax
Yes

Located in Pennsylvania, this city has a population of 14K residents.

Oswego, NY

The Empire State

17K
Population
State Tax
Yes

Located in New York, this city has a population of 17K residents.

Cost Breakdown by Category

Estimated monthly spending: Wilkinsburg, PA vs Oswego, 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.

Other
↑ 20.3%
Wilkinsburg, PA
$1,779
Oswego, NY
$2,140
Difference
$361
more
Transportation
↑ 25.5%
Wilkinsburg, PA
$1,346
Oswego, NY
$1,689
Difference
$343
more
Housing
↑ 10.7%
Wilkinsburg, PA
$1,942
Oswego, NY
$2,150
Difference
$208
more
Healthcare
↑ 27.6%
Wilkinsburg, PA
$604
Oswego, NY
$770
Difference
$166
more
Groceries
↑ 8.5%
Wilkinsburg, PA
$1,134
Oswego, NY
$1,231
Difference
$96.89
more
All Utilities
↓ 4.1%
Wilkinsburg, PA
$695
Oswego, NY
$667
Difference
$28.29
less

🏠Rent Comparison

Studio
From$1,080
To$970
↓ $110
1 Bed
From$1,160
To$1,100
↓ $60.00
2 Bed
From$1,400
To$1,360
↓ $40.00
3 Bed
From$1,790
To$1,650
↓ $140
Wilkinsburg, PAZIP-level data

1BR range: $1,160–$1,160/mo

Oswego, NYZIP-level data

1BR range: $1,100–$1,100/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 Wilkinsburg, PA
$8,647
Monthly in Oswego, NY
$1,147
Difference

Home Values

Wilkinsburg
Oswego
$142K
Median Value
$175K
↑ +0.2%
YoY Change
↑ +2.2%
↑ +19.2%
5-Year Change
↑ +44.2%

Homes in Oswego are 23% more expensive than Wilkinsburg

Calculate payment - WilkinsburgCalculate payment - Oswego

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

Wilkinsburg, 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

Oswego, 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

Wilkinsburg, PA Tax Rates

Sales Tax:6.5%
Property Tax:1.4%

Oswego, 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

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

Before moving from Wilkinsburg, PA to Oswego, NY

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

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

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

Frequently Asked Questions: Wilkinsburg, PA vs Oswego, NY

How do the cost estimates for Wilkinsburg, PA and Oswego, NY compare?

Oswego, NY has a modeled overall cost index 15.8% higher than Wilkinsburg, 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 Wilkinsburg, PA, the model estimates $163,758 in Oswego, 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 Wilkinsburg, PA and Oswego, NY?

The modeled two-bedroom rents are $1,400/month in Wilkinsburg, PA and $1,360/month in Oswego, 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

Similar cost to Oswego, NY

Other cities in a similar price range

Austin, TXNashville, TNTampa, FL

Want to compare different cities?

New Comparison