Overall
- Harrisburg-Carlisle
- 98.7
- Memphis
- 92.2
Diff -6.5 RPP
Harrisburg-Carlisle vs Memphis
Cost of living comparison based on BEA Regional Price Parities. Memphis is 6.6% less expensive than Harrisburg-Carlisle.
6.6% less expensive
Memphis, TN-MS-AR is 6.6% less expensive than Harrisburg-Carlisle, PA on BEA Regional Price Parities (overall RPP 92.2 vs 98.7). A $100,000 salary in Harrisburg-Carlisle buys about the same as $93,440 in Memphis; the largest component gap is services.
- Overall RPP 98.7 (Harrisburg-Carlisle) vs 92.2 (Memphis)
- $100k in Harrisburg-Carlisle ≈ $93,440 purchasing power in Memphis
- Services drives the gap (-34.0 RPP points)
RPP parity plate
Pair PA:TN 98.7→92.2
TIER-NEAR · CROSS-STATE · SERVICES-LED · BOTH-BELOW · PP-SHIFT
- TIER-NEAR Near tier
- CROSS-STATE PA × TN
- SERVICES-LED Services-led gap
- BOTH-BELOW Both below 100
- PP-SHIFT PP shift
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
What This Comparison Actually Tells You
Both metros remain below the U.S. benchmark of 100. This comparison chooses between two below-average price levels; “more expensive” here does not mean nationally expensive.
Memphis, TN-MS-AR is 6.6% less expensive than Harrisburg-Carlisle, PA, a meaningful but not extreme shift. The move decision turns on which budget category creates the 6.5-point overall gap.
Services leads the difference, with Memphis 34.0 points lower than Harrisburg-Carlisle. Goods, services, and rents all point in the same broad direction, making the headline comparison more transferable across household types.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
For a service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Harrisburg-Carlisle to $93,440 in Memphis, but it is not a personal spending weight.
Category Breakdown
Goods
- Harrisburg-Carlisle
- 100.7
- Memphis
- 96.2
Diff -4.5 RPP
Services
- Harrisburg-Carlisle
- 108.1
- Memphis
- 74.1
Diff -34.0 RPP
Rents
- Harrisburg-Carlisle
- 96.3
- Memphis
- 79.8
Diff -16.5 RPP
| Category | Harrisburg-Carlisle | Memphis | Difference |
|---|---|---|---|
| Overall | 98.7 | 92.2 | -6.5 |
| Goods | 100.7 | 96.2 | -4.5 |
| Services | 108.1 | 74.1 | -34.0 |
| Rents | 96.3 | 79.8 | -16.5 |
Visual Comparison
Overall
Harrisburg-Carlisle 98.7
Memphis 92.2
Goods
Harrisburg-Carlisle 100.7
Memphis 96.2
Services
Harrisburg-Carlisle 108.1
Memphis 74.1
Rents
Harrisburg-Carlisle 96.3
Memphis 79.8
Vertical line = national average (100)
Salary Equivalents
What a salary in Harrisburg-Carlisle would need to be in Memphis for the same purchasing power:
| In Harrisburg-Carlisle | In Memphis | Difference |
|---|---|---|
| $50,000 | $46,720 | $-3,280 |
| $75,000 | $70,080 | $-4,920 |
| $100,000 | $93,440 | $-6,560 |
| $150,000 | $140,161 | $-9,839 |
$ in Harrisburg-Carlisle = in Memphis
Same BEA Regional Price Parity ratio as the table above (98.7 → 92.2), computed live from your number, nothing is sent anywhere.
Harrisburg-Carlisle
98.7
Cost Index
Memphis
92.2
Cost Index
Frequently Asked Questions
Is Memphis more expensive than Harrisburg-Carlisle?
Memphis is 6.6% less expensive than Harrisburg-Carlisle. The overall cost index is 92.2 vs 98.7 (national average = 100).
What salary in Memphis equals $100K in Harrisburg-Carlisle?
A $100,000 salary in Harrisburg-Carlisle has the same purchasing power as $93,440 in Memphis. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Harrisburg-Carlisle and Memphis?
Rents in Harrisburg-Carlisle are indexed at 96.3 while Memphis is at 79.8 (national average = 100). Harrisburg-Carlisle has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.