Moving from Boston to Philadelphia
Your paycheck buys slightly more in Philadelphia than in Boston (+3.2%). Compare taxes, rent, home prices and the cost of the move.
Equal salary in Philadelphia: $115,800
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $115,800 in Philadelphia, PA to match $120,000 in Boston, MA ($4,200 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Uses Massachusetts and Pennsylvania state income tax; includes Philadelphia resident tax $4,482 (inside city limits).
Boston vs Philadelphia: key facts
- Median rent
- $2,093 → $1,567/mo
- Median home value
- $681,100 → $375,100
- Median household income
- $117,825 → $90,850
- Price level (U.S. = 100)
- 108.3 → 102.6
- Natural hazard risk (FEMA)
- Among the highest (93.2 → 94.5 of 100)
Boston vs Philadelphia cost of living
The vertical line marks the U.S. average (100).
| Measure | Boston, MA | Philadelphia, PA |
|---|---|---|
| Overall price level (U.S. = 100) | 108.3 | 102.6 |
| Median rent | $2,093 | $1,567 |
| Income to rent affordably (30%) | $83,720 | $62,680 |
| Median home value | $681,100 | $375,100 |
| Monthly cost to own (20% down) | $4,321 | $2,498 |
| Income needed to buy | $185,178 | $107,073 |
| Median property tax | $6,913 | $5,016 |
| State income tax on $120,000 | $5,780 | $3,684 |
| City income tax (inside city limits) | None | $4,482 |
| Metro population | 5,025,517 | 6,330,422 |
Metro-area figures (Census ACS 2024, BEA 2024). Taxes use each metro's principal state, plus the income tax the principal city charges its residents. Commuters who live elsewhere often pay a nonresident rate, and many suburbs levy their own local tax, so unticking a city's box in the calculator estimates a typical suburban rate for it instead.
- Philadelphia, PA: Philadelphia residents pay a 3.735% wage tax on all earnings (from July 1, 2026; 3.74% before). If you live outside Philadelphia but work in the city, you pay the 3.425% nonresident wage tax on those wages instead of your home town's tax. Most Pennsylvania suburbs charge their own earned income tax, usually 1%; the New Jersey suburbs have no local income tax. Take-home figures include the resident tax.
Your yearly budget: Boston vs Philadelphia
On a $120,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $69,570 a year in Boston and $65,753 in Philadelphia if you rent: $3,817 less after the move. If you buy the median home, they come to $96,304 and $76,929 ($19,375 less).
Your yearly budget, before vs after
| Yearly cost | BostonBefore | PhiladelphiaAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $120,000, single filer | $33,082 | $35,000 | +$1,918 |
| Electricity state average bill | $2,006 | $1,742 | -$264 |
| Car insurance one car, state average | $1,326 | $1,155 | -$171 |
| Gas 12,000 miles at 25 mpg | $2,112 | $2,188 | +$76 |
| Health insurance one adult, age 40, own plan before subsidies | $5,928 | $6,864 | +$936 |
| If you rent | |||
| Rent median, 12 months | $25,116 | $18,804 | -$6,312 |
| Total if you rent | $69,570 | $65,753 | -$3,817 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $43,282 | $23,836 | -$19,446 |
| Property tax median home | $6,913 | $5,016 | -$1,897 |
| Homeowners insurance state median, with a mortgage | $1,655 | $1,128 | -$527 |
| Total if you buy | $96,304 | $76,929 | -$19,375 |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures for the principal state: EIA 2024 average residential power bill, NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on September 23, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $26,343 a year in Boston and $14,910 in Philadelphia (Child Care Aware of America, 2024 state averages).
Who moves from Boston to Philadelphia
About 1,160 households (1,507 people) moved from the Boston metro area to the Philadelphia metro area in 2022–2023, making Philadelphia the #12 destination for people leaving Boston among the 149 metro areas we cover. 1,495 households moved the other way. Their average adjusted gross income was $108,222.
Cost to move from Boston to Philadelphia
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $370–$930 |
| Moving container | $1,150–$2,270 |
| Full-service movers | $1,920–$5,570 |
Shipping a car instead of driving
Car shipping: $620–$950
Shipping a sedan from Boston to Philadelphia on an open carrier costs about $620–$950, typically 1–4 days in transit over about 310 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published Hawaii and Alaska rates. SUVs cost about 25% more and enclosed carriers about 35% more. Not a quote.
Natural hazard risk: Boston vs Philadelphia
FEMA's National Risk Index rates the Boston area among the highest (score 93.2) and the Philadelphia area among the highest (score 94.5), on a 0–100 national percentile scale. Expected yearly losses from natural hazards average $206 vs $339 per resident.
The vertical line marks the middle of U.S. counties (50).
The vertical line marks the middle of U.S. counties (50).
Frequently asked questions
Is Philadelphia cheaper than Boston?
Overall prices in the Philadelphia area are 5.3% lower than in Boston (BEA Regional Price Parities 2024). Median rent is $1,567 vs $2,093 a month, and the median home is $375,100 vs $681,100.
What salary do I need in Philadelphia to match $100,000 in Boston?
About $96,400, after 2026 federal taxes and local prices. Uses Massachusetts and Pennsylvania state income tax.
How much does it cost to move from Boston to Philadelphia?
For a 2–3 bedroom home over about 310 miles: roughly $370–$930 with a rental truck, $1,150–$2,270 with a container, or $1,920–$5,570 with full-service movers.
How many people move from Boston to Philadelphia?
IRS county migration data for 2022–2023 show about 1,160 households (1,507 people) moved from the Boston metro area to the Philadelphia metro area, and 1,495 moved the other way.
Related
Where people from Boston move
- Boston to Providence 9,092 households
- Boston to New York 8,431 households
- Boston to Worcester 7,548 households
- Boston to Manchester 5,234 households
- Boston to Portland, ME 2,659 households
- Boston to Washington, D.C. 2,324 households
- Boston to Miami 2,284 households
- Boston to Los Angeles 2,105 households