Pennsylvania · Census, HUD and BEA figures · Updated

Cost of Living in Bedford County, PA

Prices around Bedford County, PA run 2.4% below the U.S. average (BEA, Pennsylvania). The typical household there earns $59,992 a year, and HUD puts a two-bedroom at $973 a month. Keeping that rent under 30% of income takes about $38,920 a year.

Bedford County, PA at a glance

Median household income

$59,992$4,999 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$973HUD FY2026 Fair Market Rent
Price level (U.S. = 100)97.6-2.4% · BEA, Pennsylvania
Electricity21.7¢per kWh · EIA Residential PA
Population47,513Census ACS 5-year estimate

How much rent can you afford in Bedford County, PA?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$973Monthly market rent
Share of gross income19.5%Recommended max: 30%
Annual income needed$38,920To meet the 30% standard
Max affordable rent$1,500At 30% of $59,992
0%30% (Affordability standard)100%
Compare against:

How much is rent in Bedford County, PA? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Bedford County, PA, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Bedford County, PA, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$677$8,124$27,08013.5%
1-Bedroom Apartment$742$8,904$29,68014.8%
2-Bedroom ApartmentBenchmark$973$11,676$38,92019.5%
3-Bedroom Home$1,226$14,712$49,04024.5%
4-Bedroom Home$1,476$17,712$59,04029.5%

Rent in Bedford County, PA, with the wage each unit needs →

What a typical income covers in Bedford County, PA

The 50/30/20 rule applied to the local median of $59,992 a year ($4,999 a month before tax).

Needs (50%)$2,500/moRent ($973 2-BR), utilities (~$196/mo), groceries, transit
Wants (30%)$1,500/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,000/moEmergency fund, retirement, paying down loans

What $59,992 leaves after Pennsylvania taxes

Federal income tax, Social Security, Medicare and Pennsylvania tax on the local median income. Change the salary to see yours.

$59,992
$20,000$120,000
Filing status:
Gross salary breakdown$59,992
Net 81%
Fed 8%
PA 3%
FICA 8%
Annual take-home$48,542After all taxes
Monthly deposit$4,045Estimated per month
Biweekly paycheck$1,867Every 2 weeks (26/yr)
Effective tax rate19.1%Total tax burden
Federal income tax$5,019 / yr
Pennsylvania state income tax$1,842 / yr
FICA (Social Security & Medicare)$4,589 / yr

Living in Bedford County, PA: common questions

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

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Bedford County, PA is $59,992 per year (approximately $4,999 per month).

What is the average rent in Bedford County, PA?

The closest official figure is HUD's Fair Market Rent for 2026: $677 for a studio, $742 for one bedroom, $973 for two, $1,226 for three and $1,476 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Bedford County, PA expensive to live in?

Prices there run 2.4% below the U.S. average. BEA's regional price parity for Pennsylvania is 97.6, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

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

To keep a $973 two-bedroom under 30% of gross income, a household needs about $38,920 a year, or $3,243 a month. That is 65% of what the typical household in Bedford County, PA earns.

How much do you need to live comfortably in Bedford County, PA?

On the local median income of $59,992 ($4,999 a month before tax), the 50/30/20 rule leaves $2,500 a month for needs like rent, utilities and groceries, $1,500 for everything else and $1,000 for savings or debt. A two-bedroom at $973 takes 39% of the needs share.

How much is the electric bill in Bedford County, PA?

Homes in Pennsylvania paid 21.7¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $196. Your bill depends mostly on heating and cooling.