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Chicago · Registered nurse · $98,500 · One adult, renting a 1-bedroom
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New York skyline
Fred Hsu on en.wikipedia. CC BY-SA 4.0. Photo source · License
Philadelphia skyline
颐园居. CC BY-SA 4.0. Photo source · License

New York vs Philadelphia

$1,189/mo more in Philadelphia

Alabama: $2,168 left in a typical monthArizona: $2,126 left in a typical monthArkansas: $2,400 left in a typical monthCalifornia: $1,645 left in a typical monthColorado: $2,458 left in a typical monthConnecticut: $2,294 left in a typical monthDelaware: $1,980 left in a typical monthDistrict of Columbia: $2,913 left in a typical monthFlorida: $2,204 left in a typical monthGeorgia: $1,988 left in a typical monthIdaho: $2,056 left in a typical monthIllinois: $2,569 left in a typical monthIndiana: $2,407 left in a typical monthIowa: $2,838 left in a typical monthKansas: $2,391 left in a typical monthKentucky: $2,312 left in a typical monthLouisiana: $2,486 left in a typical monthMaine: $1,949 left in a typical monthMaryland: $2,359 left in a typical monthMassachusetts: $2,076 left in a typical monthMichigan: $2,360 left in a typical monthMinnesota: $2,600 left in a typical monthMississippi: $2,011 left in a typical monthMissouri: $2,581 left in a typical monthMontana: $2,222 left in a typical monthNebraska: $2,541 left in a typical monthNevada: $2,296 left in a typical monthNew Hampshire: $2,794 left in a typical monthNew Jersey: $1,864 left in a typical monthNew Mexico: $2,037 left in a typical monthNew York: $2,320 left in a typical monthNorth Carolina: $2,194 left in a typical monthNorth Dakota: $3,238 left in a typical monthOhio: $2,583 left in a typical monthOklahoma: $2,455 left in a typical monthOregon: $1,624 left in a typical monthPennsylvania: $2,380 left in a typical monthRhode Island: $2,094 left in a typical monthSouth Carolina: $2,108 left in a typical monthSouth Dakota: $2,780 left in a typical monthTennessee: $2,530 left in a typical monthTexas: $2,620 left in a typical monthUtah: $1,822 left in a typical monthVermont: $2,118 left in a typical monthVirginia: $2,326 left in a typical monthWashington: $2,473 left in a typical monthWest Virginia: $2,277 left in a typical monthWisconsin: $2,642 left in a typical monthWyoming: $2,849 left in a typical month
Less leftMore left

New YorkPhiladelphiaAbout 98 miles apart, close enough to drive.

  • Philadelphia leaves you more
  • Rent under 30% of pay

Same paycheck, two cities. $2,431/mo in Philadelphia. $1,242/mo in New York. +$14,268 a year.

New York

$1,242

left each month

Philadelphia

$2,431

+$1,189 vs New York

Compare

Same paycheck, another city.

Philadelphia wins 3 of 4New York 1 · ties 0
$6,405Take-home · New York$5,858
$3,018Rent · Philadelphia$1,530
$2,145Other bills · Philadelphia$1,897
$1,242Left over · Philadelphia$2,431

Next

In 2022-2023, 17,010 households moved New York → Philadelphia (avg AGI $89,284). 10,894 went the other way. The whole move →

+$1,189 / mo

Alabama: $2,168 left in a typical monthArizona: $2,126 left in a typical monthArkansas: $2,400 left in a typical monthCalifornia: $1,645 left in a typical monthColorado: $2,458 left in a typical monthConnecticut: $2,294 left in a typical monthDelaware: $1,980 left in a typical monthDistrict of Columbia: $2,913 left in a typical monthFlorida: $2,204 left in a typical monthGeorgia: $1,988 left in a typical monthIdaho: $2,056 left in a typical monthIllinois: $2,569 left in a typical monthIndiana: $2,407 left in a typical monthIowa: $2,838 left in a typical monthKansas: $2,391 left in a typical monthKentucky: $2,312 left in a typical monthLouisiana: $2,486 left in a typical monthMaine: $1,949 left in a typical monthMaryland: $2,359 left in a typical monthMassachusetts: $2,076 left in a typical monthMichigan: $2,360 left in a typical monthMinnesota: $2,600 left in a typical monthMississippi: $2,011 left in a typical monthMissouri: $2,581 left in a typical monthMontana: $2,222 left in a typical monthNebraska: $2,541 left in a typical monthNevada: $2,296 left in a typical monthNew Hampshire: $2,794 left in a typical monthNew Jersey: $1,864 left in a typical monthNew Mexico: $2,037 left in a typical monthNew York: $2,320 left in a typical monthNorth Carolina: $2,194 left in a typical monthNorth Dakota: $3,238 left in a typical monthOhio: $2,583 left in a typical monthOklahoma: $2,455 left in a typical monthOregon: $1,624 left in a typical monthPennsylvania: $2,380 left in a typical monthRhode Island: $2,094 left in a typical monthSouth Carolina: $2,108 left in a typical monthSouth Dakota: $2,780 left in a typical monthTennessee: $2,530 left in a typical monthTexas: $2,620 left in a typical monthUtah: $1,822 left in a typical monthVermont: $2,118 left in a typical monthVirginia: $2,326 left in a typical monthWashington: $2,473 left in a typical monthWest Virginia: $2,277 left in a typical monthWisconsin: $2,642 left in a typical monthWyoming: $2,849 left in a typical monthNew YorkPhiladelphia
Less leftMore left
Philadelphia · this breakdownNew York · home
See full breakdown
Monthly and annual budget comparison between New York, NY and Philadelphia, PA
Per monthNew YorkPhiladelphiaDifference
Gross pay$9,292$8,120−$1,171
Income and payroll tax$2,886$2,263−$624
Take-home pay$6,405$5,858−$547
Rent$3,018$1,530−$1,488
Getting around$347$418+$71
Groceries$496$408−$88
Healthcare$558$459−$99
Utilities$310$255−$55
Everything else$434$357−$77
Left over$1,242$2,431+$1,189

Salary to match New York

$75,000

Gross pay in Philadelphia that leaves the same amount as $111,500 in New York.

Tax difference

+$3,318

A year, in state and local income tax. Effective rates: 31.1% in New York, 27.9% in Philadelphia.

More about Philadelphia

New York, NY in full

The one place where skipping a car genuinely offsets the rent.

Philadelphia, PA in full

East Coast density at half of Boston's rent, minus a 3.75% city wage tax.

The other way

Start in Philadelphia.

Philadelphia → New York →

Questions

Is the cost of living lower in Philadelphia than New York?

For one adult in a one-bedroom, Philadelphia leaves about $1,189 more a month. A one-bedroom is about $3,018 in New York and $1,530 in Philadelphia.

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 New York to Philadelphia?

The paycheck is taxed in Pennsylvania. Rent stays at the same bedroom count. What you keep is the difference.

Left over each month is take-home pay minus rent and the rest of the bills. The gap between New York and Philadelphia changes with the job, remote or local pay, and bedrooms. How we figure this · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.

Estimate, not a quote. How we figure this.