What's the real cost of living, in Pennsylvania?

Pennsylvania is a diverse state.  Its major cities and their suburbs tend to have higher costs of living, and its smaller cities and rural counties are much less expensive.  But even the least expensive counties have bare-bones cost of living far about the Federal Poverty Guideline.

Here are the Federal Poverty Guidelines for 2009, which were extended into at least mid-2010:

• 1-person family:   $10,830
• 2-person family:   $14,570
• 3-person family:   $18,310
• 4-person family:   $22,050
• larger families: add $3,740 per person

This week, the newest Self-Sufficiency Standard Study was published, for Pennsylvania.  I've collected the SSS data for some selected counties, and added some data from the Census Quick Facts site (county population, median family income 2008, and persons per square mile).  A few observations:

• The barebones cost of living in the least expensive counties is over 150% of the FPG for a single adult; and nearly twice the FPG for adults with children.
• A similar lifestyle would cost far more in Pittsburgh (about 250%, with children) and Philadelphia (about 300%, with children.  In suburban Pittsburgh, the figure is slightly higher than in the city itself.  In Lancaster County, the costs are similar to suburban Pittsburgh's.
• And in the suburban counties of Philadelphia, that still-bare-bones lifestyle costs more yet: 325% to 350% of the Federal Poverty Guideline.
• Few people live in the rural counties, where costs are low. (So are wages and opportunities!)
• Most people live in the urban and suburban counties, where costs are higher.  (And if they tried to live in the rural counties and work in the urban ones, their high transportation costs would eat up much of the difference.)
• High population density goes with high median income; low population density goes with low median income.

All these places need janitors, and nurses' aides, and fast-food workers, and retail clerks, and many other jobs which pay wages which are insufficient for an adult to live independently on, much less support a family on.  (And most places have zoning regulations which prohibit more than a few unrelated adults from living in a single housing unit, which would be a way to reduce the cost of living.)   Encouraging individuals to seek more education to move beyond these jobs is fine, but it doesn't mean that those jobs won't be needed in a hypothetical more-educated future.   Do we really expect that they will be filled by people who will be content with dormitory living, and not having children, or supporting an elderly relative, or that young people will fill these jobs briefly and then move into higher-paying jobs when they marry and have children?  Really?

Trickle-down economics doesn't speak to how all these people can afford to live.   The SSS is not a middle-class lifestyle, at least not the way most of us think of "middle class."  It is the just-getting-by-without-depending-on-help (though it does take into account EITC, CCTC and CTC; the EITC is only relevant in a few rural counties -- see the tables starting at page 42).  We need to understand why wages are so low, and why our wealth and income are so concentrated.  And we need to understand the structures that create this situation, in order to correct them.

Area	Population	Median Family Income	Persons per Square Mile	1 Adult	1 Adult, 1 Preschooler	1 Adult, 1 Preschooler, 1 Schoolage	2 Adults, 1 Preschooler, 1 Schoolage
Federal Poverty Guideline	source: Census Quick Facts site, except for Allegheny County: Pittsburgh city data			$10,830	$14,570	$18,310	$22,050
Erie County	280,291	$44,005	350	$17,344	$35,928	$46,676	$53,077
% of FPG				160%	247%	255%	241%
Allegheny County: Pittsburgh	312,819	$56,300 source: SSS	6,019	$17,431	$36,412	$47,857	52,009
% of FPG				161%	250%	261%	236%
Allegheny County: excluding Pittsburgh	total county: 1,218,494	$48,778 source: 2008 ACS	1,756	$20,013	$38,957	$50,226	$56,865
% of FPG				185%	267%	274%	258%
Philadelphia	1,547,297	$37,090	11,461	$21,392	$41,863	$54,705	$59,501
% of FPG				198%	287%	299%	270%
Bucks County	626,015	$75,701	985	$27,886	$51,253	63,821	71,846
% of FPG				257%	352%	349%	326%
Chester County	498,894	$85,547	573	$28,160	$51,853	$63,639	71,296
% of FPG				260%	356%	348%	323%
Lancaster County	507,766	$55,824	496	$19,223	$37,612	$48,400	$54,821
% of FPG				177%	258%	264%	249%
Bedford County	49,579	$39,754	49	$17,221	27,916	35,445	43,756
% of FPG				159%	192%	194%	198%
Juniata County	23,118	$42,705	58	$16,545	$27,412	$34,985	$42,355
% of FPG				153%	188%	191%	192%
Total	12,604,767	$50,702	274