Philadelphia, PA

Cost of Living in Philadelphia, PA (2026): Rent, Utilities & Take-Home

$3,427/mo in Philadelphia. $2,437 left each month. Prices near the US average.

Compare vs Chicago Rank metros from PhiladelphiaHow we figure this

Monthly costs

Take-home $5,864/mo.

Taxes$2,266
Rent$1,530
Other living costs$1,897
Left over$2,437

Pay and tax, per year

Gross household pay: $97,562
Federal income tax: −$13,078
Social Security and Medicare: −$7,463
State income tax (PA): −$2,995
City / county wage tax: −$3,659
Take-home pay: $70,367
Effective tax rate: 27.9%

Living costs, per month

Rent, 1br: $1,530
Groceries: $408
Getting around: $418
Healthcare: $459
Utilities and internet: $255
Everything else: $357
Total spending: $3,427

Left over each month

$8,130 gross, minus $2,266 in tax and $3,427 in living costs.

$2,437

Average electric bill in Pennsylvania

About $174 a month for a household using 900 kWh. That is the EIA residential price for Pennsylvania in 2025, 19.29¢ per kWh. It is a state average, not a Philadelphia utility bill, and the utilities line in the monthly costs above already includes a modelled power cost.

Cost of Living in Philadelphia, PA (2026): Rent, Utilities & Take-Home

Monthly costs

Pay and tax, per year

Living costs, per month

Average electric bill in Pennsylvania

Moving from Philadelphia

Take-home by job in Philadelphia

Other Pennsylvania metros

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