Pennsylvania · 2026 Federal Benchmarks

Cost of Living in Montour County, PA

The median household in Montour County, PA earns $76,976 a year ($6,415/month) according to U.S. Census Bureau ACS data. Benchmark 2-bedroom rent is $1,372/month under HUD Fair Market Rents, requiring an annual income of at least $54,880 under the federal 30% housing rule, with overall consumer prices sitting 2.4% below the national baseline.

Key Economic Benchmarks

Median Household Income

$76,976$6,415 per month · U.S. Census Bureau ACS 5-Year
2-Bedroom Rent$1,372HUD FY2026 Fair Market Rent
Price Parity (RPP)97.6-2.4% vs national baseline
Electricity Rate21.7¢per kWh · EIA Residential PA
Census Population18,103Official resident count

Fair market rent & 30% rule in Montour County, PA

Official HUD Fair Market Rents evaluated against local household income benchmarks.

Affordable (< 30% of income)
HUD Fair Market Rent$1,372Monthly market rent
Share of gross income21.4%Recommended max: 30%
Annual income needed$54,880To meet the 30% standard
Max affordable rent$1,924At 30% of $76,976
0%30% (Affordability standard)100%
Compare against:

2026 HUD Fair Market Rent Schedule: Montour County, PA

Official FY2026 HUD Fair Market Rents for Montour County, PA. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.

HUD FY2026 Fair Market Rent Schedule for Montour County, PA
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$946$11,352$37,84014.7%
1-Bedroom Apartment$1,046$12,552$41,84016.3%
2-Bedroom ApartmentBenchmark$1,372$16,464$54,88021.4%
3-Bedroom Home$1,873$22,476$74,92029.2%
4-Bedroom Home$2,061$24,732$82,44032.1%

See dedicated rental breakdown for Montour County, PA →

50/30/20 Living Budget in Montour County, PA

Based on the local median household income of $76,976/year ($6,415/month), here is how a balanced budget allocates expenses:

Needs (50%)$3,207/moRent ($1,372 2-BR), utilities (~$196/mo), groceries, transit
Wants (30%)$1,924/moDiscretionary spending: dining, leisure, recreation at 97.6 RPP price level
Savings & Debt (20%)$1,283/moEmergency fund, 401(k), IRA retirement, student loan and debt reduction

Take-Home Pay & Tax Explorer in Pennsylvania

Explore net income after federal income tax, FICA, and Pennsylvania state income tax based on the local median baseline.

$76,976
$30,000$155,000
Filing status:
Gross salary breakdown$76,976
Net 79%
Fed 11%
PA 3%
FICA 8%
Annual take-home$60,619After all taxes
Monthly deposit$5,052Estimated per month
Biweekly paycheck$2,332Every 2 weeks (26/yr)
Effective tax rate21.3%Total tax burden
Federal income tax$8,105 / yr
Pennsylvania state income tax$2,363 / yr
FICA (Social Security & Medicare)$5,889 / yr

Compare earnings and living costs across Pennsylvania with official federal datasets:

Frequently Asked Questions About Living in Montour County, PA

What is the median household income in Montour County, PA?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Montour County, PA is $76,976 per year (approximately $6,415 per month).

What is the average rent in Montour County, PA?

According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Montour County, PA are $946 for a studio, $1,046 for 1 bedroom, $1,372 for 2 bedrooms, $1,873 for 3 bedrooms, and $2,061 for 4 bedrooms.

How does the cost of living in Montour County, PA compare to the national average?

Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Montour County, PA is 97.6 (2.4% lower than the U.S. national baseline of 100.0).

How much do you need to earn to comfortably afford rent in Montour County, PA?

Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($1,372/month) in Montour County, PA requires a minimum gross household income of $54,880 per year ($4,573 per month).

What is a balanced 50/30/20 monthly budget in Montour County, PA?

For a typical household earning the median income of $76,976/year ($6,415/month) in Montour County, PA, a balanced 50/30/20 budget allocates $3,207/month to essential needs (rent, utilities, groceries), $1,924/month to discretionary spending, and $1,283/month to savings and debt repayment.

What are typical electricity and utility costs in Montour County, PA?

Residential electricity rates in Pennsylvania average 21.7¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $196 per month.