Cost of Living in Philadelphia, PA (2026) – Salary Needed & Budget Calculator

Thinking about moving to Philadelphia? Use this 2026 Philadelphia cost of living calculator to estimate rent, groceries, utilities, transportation, healthcare and taxes.

Monthly Budget Breakdown

Net Monthly Income
$3,779.33
Estimated Expenses
$3,417.50
Monthly Remaining
$361.83
Tight Budget
🟢 Budget Assessment

You have very little buffer for savings or emergencies. A frugal lifestyle may be required.

With this income, you can potentially save around $4,342 per year.
Category Monthly Cost
Rent (Single) $1,700.00
Utilities $275.00
Groceries $450.00
Transportation (Public) $350.00
Healthcare $400.00
Miscellaneous (10.0%) $242.50
Total Estimated Costs $3,417.50
Tax & Benefits Breakdown
Federal: $434.67/mo
FICA: $382.50/mo
State: $153.50/mo
Benefits: $250.00/mo

Quality of Life & Environment

Local Climate

Enjoy 199 days of sunshine per year. Summer highs avg 91°F, while winter lows dip to 14°F.

Safety & Crime Rate
High 69/100

Philadelphia ranks as a high safety zone compared to national averages for similar-sized metros.

Environmental Index

Air quality and environmental health factors in Pennsylvania remain a key priority for 2026.

Good Air Quality

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Philadelphia, PA: The Birthplace of Liberty (2026)

📜 History and Modernity

From the Liberty Bell to the Philly Art Museum, the city is a blend of 18th-century charm and 21st-century energy.

🥖 Culinary Legends

More than just cheesesteaks, Philly's food scene is defined by innovative chefs and historical markets.

🧱 Neighborhood Grit

Neighborhoods like Fishtown offer walkable, community-focused living with a distinct local character.

Salary Needed to Live Comfortably

In our estimation, to live a comfortable life in Philadelphia with a buffer for savings and hobbies, you would need a gross annual salary of approximately:

$70,680.00

This assumes you want to save at least $1,000 per month after all expenses and taxes.

Frequently Asked Questions

Philadelphia's cost of living is relative. Compared to major hubs like NYC or SF, it remains more accessible. Currently, a median 1-bedroom apartment in Philadelphia rents for approximately $1,700.

Based on local 2026 data, a single professional would typically need a gross annual salary of at least $70,680 to live comfortably, allowing for savings and leisure after paying for rent, taxes, and groceries.

Philadelphia has a safety score of 69/100, which is considered high according to our latest 2026 neighborhood analytics.
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Calculator Disclaimer

The results provided by this calculator are estimates based on publicly available data and modeling assumptions. Actual living costs, taxes, and relocation expenses may vary depending on personal circumstances, market conditions, and local regulations. This tool is intended for informational purposes only and should not be considered financial, tax, or legal advice. Always consult a qualified professional before making financial or relocation decisions.