Moving from Memphis to Philadelphia
Moving to Philadelphia costs you $352 a month
−$4,224 a year for the same registered nurse, the same household size, and the same number of bedrooms.
Memphis leftover
$2,756
a month after tax and rent
Philadelphia leftover
$2,404
−$352 vs Memphis
In 2022-2023, 45 households moved Memphis → Philadelphia (avg AGI $95,956). 28 went the other way. The whole move →
| Per month | Memphis | Philadelphia | Difference |
|---|---|---|---|
| Gross pay | $7,083 | $8,095 | +$1,012 |
| Income and payroll tax | $1,401 | $2,254 | +$852 |
| Take-home pay | $5,682 | $5,842 | +$160 |
| Rent | $1,058 | $1,541 | +$483 |
| Getting around | $548 | $418 | −$130 |
| Groceries | $364 | $408 | +$44 |
| Healthcare | $410 | $459 | +$49 |
| Utilities | $228 | $255 | +$27 |
| Everything else | $319 | $357 | +$38 |
| Left over | $2,756 | $2,404 | −$352 |
To break even in Philadelphia, you'd need to earn
$104,000
Household gross, versus $85,000 today. That's the salary that leaves you exactly as much at the end of the month as Memphis does now.
The tax difference alone
−$6,625
A year, in state and local income tax. Effective rates: 19.8% in Memphis, 27.8% in Philadelphia.
More about Philadelphia
Memphis, TN in full
No income tax and a logistics economy; wages trail the national median.
Philadelphia, PA in full
East Coast density at half of Boston's rent, minus a 3.75% city wage tax.
The reverse move
Same two cities, but starting from Philadelphia on Philadelphia wages.
Philadelphia → Memphis →Questions
Is the cost of living lower in Philadelphia than Memphis?
A one-bedroom is about $1,058 in Memphis versus $1,541 in Philadelphia. On a one-adult, one-bedroom household, leftover is about $352 a month lower in Philadelphia. Change the job or household on the comparison to see your number.
Does Philadelphia have state income tax?
Philadelphia is in Pennsylvania, which taxes wage income, plus a local wage tax of 3.75%.
What changes if you move from Memphis to Philadelphia?
Take-home pay is recalculated under Pennsylvania tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.