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Philadelphia (Philly metro) has a cost of living 5% above the US average. Combined with PA's state income tax, your real purchasing power can be very different from your gross salary.
105
Cost of Living Index
US avg = 100
$1,700
Avg 1BR Rent
per month
3.07%
State Income Tax
top rate
+5%
vs US Average
cost of living
| Salary | Monthly Take-Home | Rent % of Income | Equivalent US Salary |
|---|---|---|---|
| $40,000 | $2,741/mo | 62% | $38,095 |
| $50,000 | $3,385/mo | 50% | $47,619 |
| $60,000 | $4,029/mo | 42% | $57,143 |
| $70,000 | $4,605/mo | 37% | $66,667 |
| $80,000 | $5,165/mo | 33% | $76,190 |
| $90,000 | $5,726/mo | 30% | $85,714 |
| $100,000 | $6,287/mo | 27% | $95,238 |
| $120,000 | $7,400/mo | 23% | $114,286 |
| $150,000 | $9,032/mo | 19% | $142,857 |
| $200,000 | $11,914/mo | 14% | $190,476 |
* Take-home estimates federal + state taxes (single filer, standard deduction). "Equivalent US Salary" = what Philadelphia salary buys nationally.
Is $80,000 a good salary in Philadelphia?
In Philadelphia (cost of living index: 105, US avg=100), $80,000/year has the purchasing power of $76,190 in an average US city. Your monthly take-home after federal + state taxes is approximately $5,165. The average 1-bedroom in Philadelphia costs around $1,700/month — that's 33% of your take-home pay.
What is the cost of living in Philadelphia?
Philadelphia's cost of living index is 105 compared to the US average of 100. This means living in Philadelphia is 5% more expensive than the US average. PA also has a state income tax of up to 3.07%.
What salary do you need to live comfortably in Philadelphia?
Using the 30% rent rule, your gross salary should be at least $88,400 to afford the average 1-bedroom in Philadelphia ($1,700/month) with some comfort. A household income of $84,000 or more is generally considered comfortable in Philadelphia.
Does Philadelphia have a state income tax?
Yes — PA has a state income tax. For most earners, the effective state rate is around 3.07%. This reduces your take-home pay compared to no-income-tax states like Texas, Florida, or Nevada.
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