Most affordable towns in Pennsylvania, 2026
Northwest Harborcreek is the most affordable ranked town in Pennsylvania. Rent, the regional price level, taxes, and electricity are 22.5% each. Gasoline is 10%. A lower score is more affordable.
Summary
- 270
- Towns ranked in Pennsylvania.
- Northwest Harborcreek
- Number 1 in Pennsylvania. Rent is 12.4% of income. National rank 1621.
- 19.2%
- Median rent share among ranked towns in Pennsylvania.
- 0
- Ranked Pennsylvania towns in the national top 100.
- Bryn Mawr
- Least affordable ranked town in Pennsylvania. Rent is 28.1% of income. National rank 5653.
Gasoline
$4.470
per gallon. EIA does not publish a Pennsylvania price. This is the Central Atlantic (PADD 1B) price for the week of October 12, 2026. At 12,000 miles a year and 25 mpg, that is $2,145.60 a year for every ranked town in Pennsylvania.
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Cost & Benefits. "2026 Most Affordable Towns Index: Pennsylvania." October 16, 2026. https://costandbenefits.com/reports/most-affordable-towns-2026/pennsylvania
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National index · Press · How we count
Benefits and taxes in Pennsylvania
Top 25
#1 in Pennsylvania · National #1621
Northwest Harborcreek
Rent share 12.4% · Price level 91.0 · Score 0.344
Median rent is $966 a month and median income is $93,617, so rent is 12.4% of income, under the 19.2% median for ranked towns in Pennsylvania. The Erie, PA metro price level is 91.0 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#2 in Pennsylvania · National #1872
Swoyersville
Rent share 12.5% · Price level 93.6 · Score 0.362
Median rent is $744 a month and median income is $71,555, so rent is 12.5% of income, under the 19.2% median for ranked towns in Pennsylvania. The Scranton--Wilkes-Barre, PA metro price level is 93.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#3 in Pennsylvania · National #1979
West Mifflin
Rent share 12.2% · Price level 94.7 · Score 0.369
Median rent is $780 a month and median income is $76,563, so rent is 12.2% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#4 in Pennsylvania · National #1988
Mountain Top
Rent share 9.3% · Price level 93.6 · Score 0.370
Median rent is $849 a month and median income is $109,535, so rent is 9.3% of income, under the 19.2% median for ranked towns in Pennsylvania. The Scranton--Wilkes-Barre, PA metro price level is 93.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#5 in Pennsylvania · National #2032
Tyrone
Rent share 16.5% · Price level 89.5 · Score 0.373
Median rent is $788 a month and median income is $57,226, so rent is 16.5% of income, under the 19.2% median for ranked towns in Pennsylvania. The Altoona, PA metro price level is 89.5 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is regional price level and its heaviest mark is electricity price.
#6 in Pennsylvania · National #2053
Monaca
Rent share 12.5% · Price level 94.7 · Score 0.374
Median rent is $768 a month and median income is $73,538, so rent is 12.5% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#7 in Pennsylvania · National #2104
Lower Burrell
Rent share 12.9% · Price level 94.7 · Score 0.378
Median rent is $911 a month and median income is $84,602, so rent is 12.9% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#8 in Pennsylvania · National #2109
Old Forge
Rent share 14.4% · Price level 93.6 · Score 0.379
Median rent is $859 a month and median income is $71,812, so rent is 14.4% of income, under the 19.2% median for ranked towns in Pennsylvania. The Scranton--Wilkes-Barre, PA metro price level is 93.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#9 in Pennsylvania · National #2145
Whitehall
Rent share 12.3% · Price level 94.7 · Score 0.381
Median rent is $915 a month and median income is $89,404, so rent is 12.3% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#10 in Pennsylvania · National #2152
Pleasant Hills
Rent share 13.5% · Price level 94.7 · Score 0.382
Median rent is $1,151 a month and median income is $102,167, so rent is 13.5% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#11 in Pennsylvania · National #2183
Economy
Rent share 12.7% · Price level 94.7 · Score 0.384
Median rent is $1,009 a month and median income is $95,313, so rent is 12.7% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#12 in Pennsylvania · National #2193
Forest Hills
Rent share 14.3% · Price level 94.7 · Score 0.384
Median rent is $1,068 a month and median income is $89,688, so rent is 14.3% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#13 in Pennsylvania · National #2215
Plum
Rent share 14.3% · Price level 94.7 · Score 0.386
Median rent is $1,177 a month and median income is $98,705, so rent is 14.3% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#14 in Pennsylvania · National #2218
Glenshaw
Rent share 13.0% · Price level 94.7 · Score 0.386
Median rent is $1,007 a month and median income is $92,864, so rent is 13.0% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#15 in Pennsylvania · National #2253
West York
Rent share 14.4% · Price level 96.0 · Score 0.388
Median rent is $971 a month and median income is $80,995, so rent is 14.4% of income, under the 19.2% median for ranked towns in Pennsylvania. The York-Hanover, PA metro price level is 96.0 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#16 in Pennsylvania · National #2259
Ellwood City
Rent share 15.5% · Price level 94.7 · Score 0.388
Median rent is $865 a month and median income is $67,138, so rent is 15.5% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#17 in Pennsylvania · National #2278
Brentwood
Rent share 15.0% · Price level 94.7 · Score 0.389
Median rent is $860 a month and median income is $68,904, so rent is 15.0% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#18 in Pennsylvania · National #2336
Jefferson Hills
Rent share 14.0% · Price level 94.7 · Score 0.393
Median rent is $1,355 a month and median income is $116,064, so rent is 14.0% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#19 in Pennsylvania · National #2355
Allison Park
Rent share 12.9% · Price level 94.7 · Score 0.394
Median rent is $1,222 a month and median income is $113,822, so rent is 12.9% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#20 in Pennsylvania · National #2356
Nanticoke
Rent share 16.5% · Price level 93.6 · Score 0.394
Median rent is $792 a month and median income is $57,462, so rent is 16.5% of income, under the 19.2% median for ranked towns in Pennsylvania. The Scranton--Wilkes-Barre, PA metro price level is 93.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#21 in Pennsylvania · National #2364
Carnot-Moon
Rent share 14.5% · Price level 94.7 · Score 0.394
Median rent is $1,214 a month and median income is $100,714, so rent is 14.5% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#22 in Pennsylvania · National #2380
Bethel Park
Rent share 14.7% · Price level 94.7 · Score 0.395
Median rent is $1,311 a month and median income is $107,090, so rent is 14.7% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#23 in Pennsylvania · National #2445
Dunmore
Rent share 15.6% · Price level 93.6 · Score 0.399
Median rent is $928 a month and median income is $71,302, so rent is 15.6% of income, under the 19.2% median for ranked towns in Pennsylvania. The Scranton--Wilkes-Barre, PA metro price level is 93.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#24 in Pennsylvania · National #2468
Shanor-Northvue
Rent share 15.0% · Price level 94.7 · Score 0.401
Median rent is $1,189 a month and median income is $95,379, so rent is 15.0% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#25 in Pennsylvania · National #2480
Homeacre-Lyndora
Rent share 15.0% · Price level 94.7 · Score 0.402
Median rent is $928 a month and median income is $74,217, so rent is 15.0% of income, under the 19.2% median for ranked towns in Pennsylvania. The Pittsburgh, PA metro price level is 94.7 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
Least affordable 10
#270 in Pennsylvania · National #5653
Bryn Mawr
Rent share 28.1% · Price level 102.6 · Score 0.692
Median rent is $2,173 a month and median income is $92,961, so rent is 28.1% of income, over the 19.2% median for ranked towns in Pennsylvania. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#269 in Pennsylvania · National #5637
West Chester
Rent share 26.5% · Price level 102.6 · Score 0.689
Median rent is $1,731 a month and median income is $78,385, so rent is 26.5% of income, over the 19.2% median for ranked towns in Pennsylvania. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is regional price level and its heaviest mark is rent share.
#268 in Pennsylvania · National #5607
Yeadon
Rent share 29.3% · Price level 102.6 · Score 0.684
Median rent is $1,213 a month and median income is $49,759, so rent is 29.3% of income, over the 19.2% median for ranked towns in Pennsylvania. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#267 in Pennsylvania · National #5587
Darby
Rent share 39.4% · Price level 102.6 · Score 0.681
Median rent is $1,308 a month and median income is $39,863, so rent is 39.4% of income, over the 19.2% median for ranked towns in Pennsylvania. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#266 in Pennsylvania · National #5550
Coatesville
Rent share 29.8% · Price level 102.6 · Score 0.677
Median rent is $1,471 a month and median income is $59,256, so rent is 29.8% of income, over the 19.2% median for ranked towns in Pennsylvania. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#265 in Pennsylvania · National #5546
Philadelphia
Rent share 27.1% · Price level 102.6 · Score 0.676
Median rent is $1,397 a month and median income is $61,953, so rent is 27.1% of income, over the 19.2% median for ranked towns in Pennsylvania. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#264 in Pennsylvania · National #5469
State College
Rent share 33.6% · Price level 96.8 · Score 0.665
Median rent is $1,273 a month and median income is $45,424, so rent is 33.6% of income, over the 19.2% median for ranked towns in Pennsylvania. The State College, PA metro price level is 96.8 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is regional price level and its heaviest mark is rent share.
#263 in Pennsylvania · National #5429
Kulpsville
Rent share 25.0% · Price level 102.6 · Score 0.658
Median rent is $1,933 a month and median income is $92,721, so rent is 25.0% of income, over the 19.2% median for ranked towns in Pennsylvania. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#262 in Pennsylvania · National #5420
Allentown
Rent share 28.5% · Price level 100.0 · Score 0.655
Median rent is $1,317 a month and median income is $55,494, so rent is 28.5% of income, over the 19.2% median for ranked towns in Pennsylvania. The Allentown-Bethlehem-Easton, PA-NJ metro price level is 100.0 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is regional price level and its heaviest mark is rent share.
#261 in Pennsylvania · National #5419
Chester
Rent share 31.7% · Price level 102.6 · Score 0.655
Median rent is $1,091 a month and median income is $41,342, so rent is 31.7% of income, over the 19.2% median for ranked towns in Pennsylvania. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 21.72 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
The formula
A lower score is more affordable. Rent share, the regional price level, taxes, and electricity each count 22.5%. Gasoline counts 10%. Those weights are our choice. Gasoline stays at 10% because the miles figure is one national standard, not a measured town commute. This is not a government standard.
A percentile is the share of ranked towns with a strictly lower number, divided by the number of ranked towns minus one. The lowest number scores 0. Tied numbers share a percentile.
- Rent share = (median monthly rent × 12) / median household income. Both figures are the Census 2020–2024 medians for that place.
- RPP-adjusted cost is the BEA 2024 all-items regional price parity. A basket priced at 100 for the U.S. average costs this many dollars in the town's area. We use the metro index when the county is in a metro BEA publishes. Otherwise we use the state index and say so. This index includes housing, so housing also shows up in the rent share.
- Tax burden is the average of three percentiles. Income-tax share is state income tax plus the stored 2023 local AGI add-on, divided by the town's median household income, on a joint return. Property share is the state's median effective property-tax rate times the town's median home value, divided by income. Sales rate is the combined state and average local sales-tax rate. We do not turn the sales rate into dollars, because that would require a shopping basket we do not have.
- Electricity is the state residential price in cents per kilowatt-hour. Every town in a state shares it. We do not guess how many kilowatt-hours a home uses.
- Gasoline is the EIA retail price for all grades and all formulations, in dollars per gallon. Where EIA publishes a state series, we use that state. Every other state uses the PADD region EIA assigns to it. Census does not publish commuting miles for these towns, so annual gas spend is 12,000 miles a year divided by 25 miles per gallon, times the price. That is 480 gallons, the same for every town. Those miles are our standard, not an ACS figure and not a government mileage rule. Because the gallons do not change, the gas percentile is the percentile of the price.
Weekly prices are for the week of October 12, 2026, from the EIA workbook released October 14, 2026. File: https://www.eia.gov/petroleum/gasdiesel/xls/pswrgvwall.xls. Alaska, Arizona, Hawaii, Nevada, and Oregon use West Coast (PADD 5) Except California. That series is not in the weekly workbook, so those five use the monthly price dated September 15, 2026. File: https://www.eia.gov/dnav/pet/pet_pri_gnd_a_epm0_pte_dpgal_m.htm.
- State series, week of October 12, 2026: California, Colorado, Florida, Massachusetts, Minnesota, New York, Ohio, Texas, Washington.
- Central Atlantic (PADD 1B), week of October 12, 2026: Delaware, District of Columbia, Maryland, New Jersey, Pennsylvania.
- Gulf Coast (PADD 3), week of October 12, 2026: Alabama, Arkansas, Louisiana, Mississippi, New Mexico.
- Lower Atlantic (PADD 1C), week of October 12, 2026: Georgia, North Carolina, South Carolina, Virginia, West Virginia.
- Midwest (PADD 2), week of October 12, 2026: Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, Tennessee, Wisconsin.
- New England (PADD 1A), week of October 12, 2026: Connecticut, Maine, New Hampshire, Rhode Island, Vermont.
- Rocky Mountain (PADD 4), week of October 12, 2026: Idaho, Montana, Utah, Wyoming.
- West Coast (PADD 5) Except California, September 15, 2026: Alaska, Arizona, Hawaii, Nevada, Oregon.
Score = 0.225 × rent percentile + 0.225 × price-level percentile + 0.225 × tax score + 0.225 × electricity percentile + 0.10 × gasoline percentile. Rank 1 is the lowest score. If scores tie, the lower rent share wins, then the lower price level, then the place slug in A-to-Z order.
Questions
What is the most affordable town in Pennsylvania in this index?
Northwest Harborcreek is number 1 of 270 ranked towns in Pennsylvania. Median rent is 12.4% of median income. Its national rank is 1621.
How many towns in Pennsylvania were ranked?
270 towns in Pennsylvania have at least 5,000 people and published Census rent, income, and home value. Places missing one of those figures are left out.
Does this ranking approve benefits in Pennsylvania?
No. Cost & Benefits does not approve or deny benefits. The score is a cost comparison only.