10 Cheapest and Safest Places to Live in Pennsylvania 2026 Update
We determined the cheapest and safest places to live in Pennsylvania that offer affordability mixed with a strong sense of security.
These communities are not only budget-conscious but also offer peace of mind with their impressively low crime rates and steady quality of life. Throughout the state, there are vibrant, welcoming areas that provide just the right mix of small-town calm and affordability.
Table of Contents
Methodology
To determine the most suitable areas, our team used a wide range of publicly available data and internal ranking formulas. We looked at the cost of living index, which weighs housing, groceries, transportation, and healthcare against statewide averages.
Median home prices were assessed using recent property listings across Pennsylvania, while tax rates were pulled from the state’s municipal databases.
For safety, we relied on the latest city-level crime data from local law enforcement and reporting agencies, focusing on consistent trends and overall security.
Each area was then scored using our editors’ proprietary algorithm that blends these factors into a final score, highlighting the cheapest and safest places in Pennsylvania for potential residents.
The 10 Cheapest and Safest Places to Live in Pennsylvania
10. Montoursville, Pennsylvania
Cost of Living Index: 17% Below Pennsylvania Average
Median Home Prices: 20% Below Pennsylvania Average
Homes for Sale: Check on Zillow
Crime Rate Index: 58% Below Pennsylvania Average
Location: Check on Google Maps
Key Highlights:
- Extremely low crime for its size
- Quaint and peaceful suburban feel
- Excellent schools and public amenities
Montoursville easily earns a spot on the list of cheapest and safest places to live in Pennsylvania, especially for families or retirees looking for peace of mind and steady value.
It’s a small borough located just outside Williamsport, offering a quiet rhythm of life that’s very, very appealing without feeling remote or disconnected.
One of the first things that stands out is how remarkably safe it is, as crime here is almost 60% lower than the state average. You’ll find neat, well-cared-for neighborhoods and a community that, frankly, takes pride in its reputation for security and neighborly support.
The cost of living here is also pretty manageable. Homes tend to be modestly priced, and property taxes aren’t overly harsh either. This combination of low costs and high safety makes Montoursville one of the more reliable picks among cheap and safe places to live in Pennsylvania.
You’re also near the Susquehanna River, which means access to kayaking, fishing, and scenic strolls when the weather’s right. Schools in the area are rated well, too.
9. Shippensburg, Pennsylvania
Cost of Living Index: 15% Below Pennsylvania Average
Median Home Prices: 20% Below Pennsylvania Average
Homes for Sale: Check on Zillow
Crime Rate Index: 34% Below Pennsylvania Average
Location: Check on Google Maps
Key Highlights:
- Friendly, small-town atmosphere
- Local college boosts economy
- Low crime and cost of living
Shippensburg is definitely one of those affordable and safe places to live in Pennsylvania that quietly impresses people. While it might not scream excitement, it’s a really dependable, close-knit place where residents appreciate both safety and simplicity.
The local economy is supported by Shippensburg University and nearby distribution centers, which adds a little bit of job stability and a more youthful vibe than you’d expect. Housing is incredibly affordable here, and the property taxes are quite manageable too.
Crime statistics reflect a level of safety that’s not easy to find in more urban zones. Even downtown strolls after dusk feel fairly comfortable, and you’re never far from a farmers market, a coffee shop, or one of several family-run restaurants.
For those seeking cheap and safe places to live in Pennsylvania where you can stretch your dollar and feel secure at the same time, this town checks a lot of important boxes.
8. Nanticoke, Pennsylvania
Cost of Living Index: 22% Below Pennsylvania Average
Median Home Prices: 29% Below Pennsylvania Average
Homes for Sale: Check on Zillow
Crime Rate Index: 33% Below Pennsylvania Average
Location: Check on Google Maps
Key Highlights:
- Extremely low home prices
- Quiet suburban lifestyle
- Access to outdoor recreation
Nanticoke, a bit tucked away in Luzerne County, offers a peaceful, working-class energy that makes it one of the cheapest and safest cities in Pennsylvania. There’s something just a little comforting about its consistency and low cost of living.
You’re not going to find huge developments here or an overwhelming nightlife scene, but what you do get is stability, simplicity, and housing that’s nearly 30% cheaper than the state average. And for folks who enjoy being close to parks, you’ve got options like Frances Slocum State Park just a drive away.
The town is also relatively safe, with community watch programs and local law enforcement keeping a close eye on things. For older residents and families, it feels like a good fit, with less chaos, more ease.
So, if you’re hoping for a place that’s affordable, quiet, and fairly secure, this is pretty much one of the more safe affordable places to live in Pennsylvania that deserves real consideration.
7. Bloomsburg, Pennsylvania
Cost of Living Index: 16% Below Pennsylvania Average
Median Home Prices: 19% Below Pennsylvania Average
Homes for Sale: Check on Zillow
Crime Rate Index: 37% Below Pennsylvania Average
Location: Check on Google Maps
Key Highlights:
- College town with arts and culture
- Affordable real estate
- Lower crime than surrounding areas
Bloomsburg tends to be one of those slightly under-the-radar cheap and safe places to live in Pennsylvania that feels like a refreshing surprise once you dig into it. With its blend of artistic leanings and safe neighborhoods, it attracts everyone from students to retirees.
The home prices stay fairly low here, and you’ll notice that the downtown district has a bit of a buzz, with galleries, theaters, and bookstores. There’s also the Bloomsburg Fair, one of the biggest in the state, bringing in big crowds and lively entertainment each fall.
It’s also very secure compared to many towns of a similar size, which is a huge plus for folks wanting to walk or bike to local cafes or the Susquehanna Riverfront without second thoughts. And since it’s a college town, you’ll find reliable public services and upkeep in the neighborhoods.
In short, Bloomsburg delivers on every front when it comes to the cheapest and safest places in Pennsylvania for comfortable living with a little artsy flair.
6. Bellefonte, Pennsylvania
Cost of Living Index: 16% Below Pennsylvania Average
Median Home Prices: 18% Below Pennsylvania Average
Homes for Sale: Check on Zillow
Crime Rate Index: 51% Below Pennsylvania Average
Location: Check on Google Maps
Key Highlights:
- Charming historic downtown
- Exceptionally safe neighborhoods
- Close proximity to State College
Bellefonte might be one of the most affordable and safe places to live in Pennsylvania that still feels like it belongs in a vintage postcard. Located just a short drive from Penn State’s main campus in State College, it blends 19th-century architecture with a surprisingly secure and budget-friendly lifestyle.
Safety is a standout, with a crime rate that’s roughly half of the state average. You can walk downtown at any hour and still feel completely at ease. Whether you’re stopping at one of the cozy cafés or visiting the local art galleries, the environment here feels reassuringly stable.
In terms of value, Bellefonte delivers with housing prices that remain accessible and utility costs that are, frankly, lower than what you’d expect given the region’s popularity. It also has a commuter-friendly setup for anyone working in the State College area but wanting something quieter and more affordable.
The Victorian charm, clean streets, and warm sense of community help put Bellefonte on the list of cheapest and safest cities in Pennsylvania that don’t skimp on personality or livability.
5. Oil City, Pennsylvania
Cost of Living Index: 24% Below Pennsylvania Average
Median Home Prices: 31% Below Pennsylvania Average
Homes for Sale: Check on Zillow
Crime Rate Index: 48% Below Pennsylvania Average
Location: Check on Google Maps
Key Highlights:
- Lowest home prices on the list
- Surrounded by river and forest views
- Incredibly quiet and secure
Oil City has a lot going for it if you’re someone looking for the cheapest and safest places in Pennsylvania to put down roots. Known for its early petroleum industry history, it now offers a more peaceful lifestyle with some of the most affordable real estate in the entire state.
The average home price here is almost one-third below the statewide median, and utility costs and taxes fall comfortably into the “manageable” range. It’s ideal for those wanting to stretch their retirement or relocation budget without compromising on safety or space.
Crime here is noticeably lower than in nearby cities, and neighborhoods feel steady and well-watched. Plus, you’re surrounded by the Allegheny River and towering green hills, which means there’s no shortage of outdoor views or places to relax in nature.
With minimal noise and a walkable historic district full of preserved architecture and art events, Oil City is one of the more surprisingly pleasant picks among safe affordable places to live in Pennsylvania.
4. Ephrata, Pennsylvania
Cost of Living Index: 14% Below Pennsylvania Average
Median Home Prices: 17% Below Pennsylvania Average
Homes for Sale: Check on Zillow
Crime Rate Index: 55% Below Pennsylvania Average
Location: Check on Google Maps
Key Highlights:
- Beautiful mix of farmland and town
- Excellent public safety and infrastructure
- Thriving local business scene
Located in Lancaster County, Ephrata is pretty much one of the best-kept secrets among cheap and safe places to live in Pennsylvania. While it offers a semi-rural lifestyle, it’s also just busy enough to have its own thriving downtown with shops, bakeries, and community events year-round.
Public safety is consistently rated above average here, and streets remain quiet even during rush hours. The crime rate is significantly lower than the Pennsylvania mean, which contributes to the relaxed energy you feel as soon as you arrive.
Homes are reasonably priced and often larger than what you’d find in more densely packed areas, and you’ll often get yards, porches, and off-street parking without paying much more. The town is also well-maintained, and municipal services are efficient and responsive.
Those looking for affordable and safe places to live in Pennsylvania that come with charm, cleanliness, and close community ties will feel right at home in Ephrata.
3. Sayre, Pennsylvania
Cost of Living Index: 21% Below Pennsylvania Average
Median Home Prices: 25% Below Pennsylvania Average
Homes for Sale: Check on Zillow
Crime Rate Index: 60% Below Pennsylvania Average
Location: Check on Google Maps
Key Highlights:
- Extremely low crime stats
- Strong sense of local pride
- Affordable homes and low taxes
Sayre is, frankly, one of the safest boroughs in the state and easily makes the cut for the cheapest and safest cities in Pennsylvania. Located in the Northern Tier near the New York border, it’s a town that might be small in size but big on value and community appeal.
Crime is almost non-existent here, making it a perfect fit for families or older residents who prioritize security. You’ll notice people still leave their doors unlocked in some neighborhoods, and that says a lot in today’s world.
Home values are comfortably below state averages, and buyers will often find classic colonial or craftsman-style homes that have been well-kept. The cost of living is low, and municipal services, from trash pickup to snow removal, are both efficient and consistent.
Sayre’s hospital and health systems provide solid local care, and with walkable blocks and strong schools, this town delivers big when it comes to safe affordable places to live in Pennsylvania.
2. Grove City, Pennsylvania
Cost of Living Index: 19% Below Pennsylvania Average
Median Home Prices: 23% Below Pennsylvania Average
Homes for Sale: Check on Zillow
Crime Rate Index: 57% Below Pennsylvania Average
Location: Check on Google Maps
Key Highlights:
- Low crime and cost of living
- Strong college town economy
- Beautiful parks and trails
Grove City sits comfortably near the top of the list of cheapest and safest places to live in Pennsylvania thanks to its balance of affordability, green space, and small-town security. The presence of Grove City College brings a subtle intellectual and cultural flavor without adding any big-city pricing.
The crime rate is impressively low, and neighborhoods have a calm, settled feeling. People here look out for each other, and that vibe shows up in the way local businesses thrive and residents take care of their homes.
Grove City Premium Outlets provide a nice retail perk, and the town also features a solid selection of parks and recreation areas. Housing remains affordable, and local schools consistently perform well, which makes this area particularly appealing for young families.
For anyone seriously considering cheap and safe places to live in Pennsylvania with good services, low taxes, and welcoming people, Grove City is hard to beat.
1. Derry Township, Pennsylvania
Cost of Living Index: 13% Below Pennsylvania Average
Median Home Prices: 15% Below Pennsylvania Average
Homes for Sale: Check on Zillow
Crime Rate Index: 63% Below Pennsylvania Average
Location: Check on Google Maps
Key Highlights:
- Top-ranked for public safety
- Access to Hershey attractions
- Balanced suburban lifestyle
Derry Township is one of the most affordable and safe places to live in Pennsylvania, especially for folks who want to be close to bigger amenities without paying big-city costs.
This township includes the famous Hershey area, but unlike the buzz of tourism, the residential zones are peaceful, clean, and incredibly well-policed.
With crime levels sitting over 60% below the state average, it’s no surprise that families and professionals gravitate toward this community. Schools are exceptional, and medical care through Penn State Health is easily accessible and highly rated.
Housing prices are still well below state average despite the location’s popularity, and the township offers generous parks, biking trails, and cultural attractions like the Hershey Theatre and Gardens. It’s a very livable mix of affordability and long-term security.
In short, Derry Township is a clear front-runner for those searching for cheapest and safest places to live in Pennsylvania that don’t skimp on comfort, access, or stability.
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