Youngstown, NY vs Philmont, NY: Cost of Living

Which city costs less?

Philmont, NY has a modeled overall cost index 25.4% higher than Youngstown, NY.

Youngstown, NY · modeled 2BR rent
$1,440 / month
Philmont, NY · 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

Adjust your income and compare the budget ↓
Tap to swap

Cost of Living Comparison 2026

Compare Youngstown, NY and Philmont, 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: $1,754/month in Philmont, NY

$150,000 in your current city has a modeled equivalent of $171,053 in Philmont, NY

Regional cost estimates: Youngstown, NY uses Cleveland, OH. Philmont, NY uses Jersey City, NJ. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 25.4%
More expensive
Monthly Impact
$1,754
Extra cost
Annual Impact
$21.1K
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.

Youngstown, NY

Population:2K
Cost Index:
69.0
100 = national average
Typical Home:$319K

Philmont, NY

Population:1K
Cost Index:
86.5
100 = national average
Typical Home:$315K

Planning the move to Philmont?

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

Youngstown, NY

The Empire State

2K
Population
State Tax
Yes

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

Philmont, NY

The Empire State

1K
Population
State Tax
Yes

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

Cost Breakdown by Category

Estimated monthly spending: Youngstown, NY vs Philmont, 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.

Housing
↑ 83.9%
Youngstown, NY
$1,712
Philmont, NY
$3,148
Difference
$1,436
more
Other
↑ 7.1%
Youngstown, NY
$1,781
Philmont, NY
$1,907
Difference
$126
more
Healthcare
↑ 18.5%
Youngstown, NY
$657
Philmont, NY
$778
Difference
$121
more
All Utilities
↑ 16.3%
Youngstown, NY
$579
Philmont, NY
$674
Difference
$94.59
more
Transportation
↓ 3.7%
Youngstown, NY
$1,562
Philmont, NY
$1,504
Difference
$58.07
less
Groceries
↑ 2.9%
Youngstown, NY
$1,209
Philmont, NY
$1,244
Difference
$34.74
more

🏠Rent Comparison

Studio
From$1,180
To$1,120
↓ $60.00
1 Bed
From$1,220
To$1,140
↓ $80.00
2 Bed
From$1,440
To$1,290
↓ $150
3 Bed
From$1,760
To$1,560
↓ $200
Youngstown, NYZIP-level data

1BR range: $1,220–$1,220/mo

Philmont, NYZIP-level data

1BR range: $1,140–$1,140/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 Youngstown, NY
$9,254
Monthly in Philmont, NY
$1,754
Difference

Home Values

Youngstown
Philmont
$319K
Median Value
$315K
↑ +6%
YoY Change
↑ +6.3%
↑ +46.9%
5-Year Change
↑ +55.3%

Homes in Philmont are 1% less expensive than Youngstown

Calculate payment - YoungstownCalculate payment - Philmont

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

Youngstown, 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

Philmont, 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

Youngstown, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

Philmont, 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

Youngstown
Philmont
54 Moderate
Air Quality
41 Good
37.2%
Good Air Days
71.3%
98 High
Climate Risk
97 High
🌊🌡🌪
Top Hazards
🌊🌅🌡
▲+3.3°F
2050 Outlook
▲+2.8°F
11 days
Heat Days >95°F
12 days
▲+3.3°F
2050 Outlook
▲+2.8°F
11 days
Heat Days >95°F
12 days

Before moving from Youngstown, NY to Philmont, 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 Philmont, NY for the same bedroom count and included utilities as your home in Youngstown, NY. 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 Youngstown to Philmont moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Youngstown, NY vs Philmont, NY

How do the cost estimates for Youngstown, NY and Philmont, NY compare?

Philmont, NY has a modeled overall cost index 25.4% higher than Youngstown, NY. 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 Youngstown, NY, the model estimates $171,053 in Philmont, 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 Youngstown, NY and Philmont, NY?

The modeled two-bedroom rents are $1,440/month in Youngstown, NY and $1,290/month in Philmont, 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.

Similar cost to Philmont, NY

Other cities in a similar price range

San Antonio, TXColumbus, OHJacksonville, FL

Want to compare different cities?

New Comparison