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Cost of Living in
Philadelphia

Living cost is 6.5% higher than avg
Families spend upto $9,405/mo on avg
Homeowners spend $8,719/mo on avg
Renters spend $5,574/mo on avg

Cost of Living in
Philadelphia

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A Breakdown of the Cost of Living in Philadelphia, PA

U.S. Avg.

Philadelphia, PA

Difference Diff

Home Price

$532,491

$511,480

Apartment Rent (per month)

$1,367

$2,103

54%

U.S. Avg.

Philadelphia, PA

Difference Diff

Phone (per month)

$219.4

$203.31

Total Energy (per month)

$200.23

$241.96

21%

U.S. Avg.

Philadelphia, PA

Difference Diff

Grocery Staples

Corn Flakes (per box)

$6.79

$6.09

10%

Frozen Corn (per bag)

$2.41

$2.15

11%

Frozen Meal (per package)

$4.85

$4.14

15%

Cooking Oil (per bottle)

$6.16

$10.35

68%

Detergent (per bottle)

$19.51

$20.44

Facial Tissues (per box)

$2.85

$2.31

19%

Sweet Peas (per can)

$1.83

$1.87

Sugar (per bag)

$4.66

$5.23

12%

Bread (per loaf)

$3.87

$4.05

Frying Chicken (per lb)

$1.64

$1.54

Meat & Poultry

Chicken (per lb)

$1.71

$1.57

Steak (per lb)

$14.54

$16.64

14%

Sausage (per lb)

$5.23

$5.43

Ground Beef (per lb)

$8.61

$8.05

Snacks & Beverages

Soft Drink (per bottle)

$3.45

$3.62

Potato Chips (per bag)

$5.54

$4.18

25%

Coffee (per lb)

$6.55

$6.41

Fresh Orange Juice (per half gallon)

$5.22

$4.8

Fruits & Vegetables

Peaches (per can)

$4.40

$2.88

35%

Lettuce (per head)

$1.98

$2.14

Bananas (per lb)

$0.64

$0.77

20%

Potatoes (per bag)

$5.58

$4.96

11%

Dairy & Eggs

Parmesan Cheese (per lb)

$4.69

$5.33

14%

Margarine (per lb)

$1.30

$1.77

36%

Eggs (per dozen)

$3.98

$4.52

14%

Whole Milk (per gallon)

$4.08

$4.9

20%

Seafood

Chunk Light Tuna (per can)

$1.22

$1.3

U.S. Avg.

Philadelphia, PA

Difference Diff

Tire Balance (per tire)

$70.23

$71.91

Gasoline (per gallon)

$2.9

$3.19

10%

U.S. Avg.

Philadelphia, PA

Difference Diff

Doctor Visit (per visit)

$116.03

$155.2

34%

Dentist Visit (per visit)

$145.11

$129.68

11%

Ibuprofen (per bottle)

$12.38

$11.94

Prescription Drug (per month)

$20.8

$22.41

Optometrist Visit (per visit)

$95.27

$143.29

50%

U.S. Avg.

Philadelphia, PA

Difference Diff

Women’s Slacks

$35.43

$33.53

Boys’ Jeans

$29.47

$28.03

Men’s Shirt

$39.36

$38.74

Wine (per bottle)

$7.51

$15.64

108%

Beer (per 6-pack)

$11.17

$12.14

Veterinary Services (per visit)

$65.33

$81.19

24%

Tennis Balls (per pack)

$3.59

$4.23

18%

Yoga (per class)

$12

$27.63

130%

Movie (per ticket)

$11.67

$15.97

37%

Newspaper (per copy)

$19.31

$18.71

Washer Repair (per service)

$109.47

$90.79

17%

Women Slacks

$34.88

$37.23

Boy Jeans

$29.51

$28.2

Man Dress Shirt

$39.05

$36.26

Dry Cleaning (per item)

$13.45

$14.23

Shampoo (per bottle)

$1.55

$1.74

12%

Toothpaste (per tube)

$3.64

$4.08

12%

Beauty Salon (per visit)

$47.5

$68.56

44%

Haircut (per cut)

$27.08

$39.05

44%

Fried Chicken (per serving)

$4.37

$5.38

23%

Pizza (per pizza)

$11.99

$12.34

Hamburger (per serving)

$5.28

$5.75

Welcome to Philly—where the cost of living is 6.5% higher than the national average. As the 48th-most expensive city in the US, Philadelphia delivers East Coast city living at a more affordable price than New York or DC, especially when it comes to housing. Anchored by top-tier universities, major hospitals, and a fast-growing biotech sector, the city attracts professionals, students, and families alike. Philadelphia’s cost of living may be steep in some categories, but it still offers better value than other major coastal metros.

Housing is 4% lower than the US average. The average home price in Philadelphia, Pennsylvania, is $557,000, compared to the national median of $510,000. If you’re buying a home in Philadelphia, plan to put down 15–20% of the home price upfront as down payment. Additionally, monthly mortgage payments run 35% to 40% higher than the national average.
Renting in Philadelphia is 53.8% higher than the national average of $1,530. A rental one-bedroom home in Philadelphia costs around $2,220 per month, while a two-bedroom averages $2,850. But even with those high prices, don’t expect central air or in-unit laundry in older buildings. Newer apartments may offer rooftop decks and gyms, but parking is rarely included.
Utilities are 8% higher than the national average. Monthly utility bills—including electricity, heating, water, and garbage—cost between $160 and $240 depending on the season. Winter heating bills push costs higher, especially from November through March. Most homes don’t have HOA fees, unless they’re part of new developments. Internet plans start at $60 per month.
Food prices in Philadelphia are 4% higher than the US median. A gallon of milk costs roughly $5.10, compared to $4.30 in Los Angeles or $4.10 in Tampa. If you’re a family of four, you can expect to spend $1,100 to $1,400 each month on groceries. If you’re a single adult, budget $375 to $575 per month, depending on your eating habits.
Transportation costs are 10.38% higher than the US average. Gasoline prices are $3.19 per gallon, lower than New York City ($3.70) and Boston ($3.85). Monthly car insurance premiums average $195, slightly above the national average of $183. Whether you’re driving or using public transit, factor in parking fees, tolls, and SEPTA fares.
Healthcare costs in Philadelphia are 3.55% higher than the national average. A routine check-up is $125, compared to $120 in New York City or $110 in Miami. That makes basic healthcare in Philadelphia slightly less expensive than other large East Coast cities. If you slip on an icy sidewalk in Old City, expect an ER visit to cost around $2,700 without insurance.
Miscellaneous expenses are 10.07% higher than the national average. This covers weekend museum visits, gym memberships (averaging $70 to $100 per month), and occasional dinners in Rittenhouse Square. A family day at the Franklin Institute costs up to $95, while date nights in Fishtown may exceed $150.

Moving to Philadelphia? Expect slightly lower costs than bigger cities, but the charm of historic streets and Philly cheesesteaks comes at its own price! 👉 Next Step: Compare single-family homes in Philadelphia, Pennsylvania

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Is Living in Philadelphia, PA Expensive?

Not particularly. The overall cost of living in Philadelphia, PA, is 6.5% higher than the national average—moderate by East Coast standards. Housing helps offset higher expenses, with Philadelphia home prices about 9% above the national median. Food and transportation costs align closely with US norms, while utilities are 5% more expensive than average.

With a $700K budget, you can land a renovated row house in Rittenhouse Square. But that same amount might only get a modest one-bedroom condo in parts of New York City or Washington DC—where home prices can be 30% to 70% higher. For many middle-class families, Philadelphia offers a rare blend of urban convenience and relatively manageable costs.

Housing in Philadelphia

If you’re buying a home in Philadelphia, be prepared to pay more than the sticker price. Housing in Philly is 4% lower than the US average, with growing demand for its historic architecture. With mortgage rates typically between 6.5% and 7%, and occasional HOA fees depending on the neighborhood, monthly payments can add up. Let’s break down the costs for a Philadelphia home:

Buying a House in Philadelphia

For young adults or single people, one bedroom one-bedroom homes and homes in Chestnut Hill, Northern Liberties, and Center City range from $250,000 to $450,000. These neighborhoods offer transit access, nightlife, and coworking spots, with monthly mortgages between $1,200 and $2,000.
Married couples with young children (under 6) often choose Mt. Airy and East Falls, or single-family homes in Fishtown, where homes cost between $400,000 to $650,000. Good schools like Walter D. Palmer Elementary and nearby parks add to the appeal. Monthly mortgages are about $2,000 to $2,800.
For families with older children (6–17), the Main Line suburbs—Ardmore, Bryn Mawr, Wynnewood—offer spacious homes priced $600,000 to $900,000. Top schools like Lower Merion High and Harriton High serve these areas. Monthly mortgage payments range from $2,800 to $4,000, with commuter rail and essential amenities just within reach.

Renting a House in Philadelphia

Rent in Philadelphia is 53.8% higher the national average, typically ranging from $1,200 for a one-bedroom to $2,103.00 for a two-bedroom apartment. Rent varies widely by neighborhood, amenities offered, and property type, from historic row houses to modern high-rises. Let’s break down the average rent in Philadelphia, PA:

If you’re a young adult or single, neighborhoods like Penn, Northern Liberties, and Center City are ideal. One-bedroom apartments in Penn average between $1,200 to $1,600 per month. These areas offer vibrant nightlife, plenty of coffee shops, and easy access to SEPTA transit. However, parking can be limited, and rents tend to be higher near entertainment hubs.
If you’re a married couple with young children (under 6), look toward Mt. Airy, East Falls, or Queen Village. Rent for two- or three-bedroom homes in Philadelphia, range from $1,600 to $2,300 monthly. These neighborhoods feature parks, reputable public schools like Walter D. Palmer Elementary, and convenient shopping. While public transit is available, many families prefer having a car.
If you’re a married couple with older children (ages 6–17), consider the Main Line suburbs such as Ardmore, Bryn Mawr, and Wynnewood. Homes in Philadelphia, PA, typically cost $2,000 to $3,000. These areas offer top-rated schools, commuter rail access to downtown, and quiet residential streets. The trade-off includes longer commutes for your work or social life.
If you’re a retiree or downsizer, Rittenhouse Square and Chestnut Hill provide walkable neighborhoods with one- and two-bedroom apartments renting between $1,500 and $2,500. These areas boast cultural venues, healthcare facilities, and senior-friendly amenities, supplemented by strong public transit connections.
If you’re an international student, University City and Center City are the go-to neighborhoods. One-bedroom apartments here range from $1,300 to $1,700, with easy access to Drexel University, UPenn, and public transit. Shared housing and short-term leases are popular options to fit student budgets.

Utilities in Philadelphia

Food and Groceries in Philadelphia

Transportation in Philadelphia

Healthcare in Philadelphia

Healthcare costs in Philadelphia are 3.55% higher the national average, giving your wallet some relief in a city that’s otherwise quite expensive. Still, unexpected medical bills—from broken bones to dental work—can add up quickly. Here’s a breakdown of healthcare costs in Philly:

Doctor Visit — $135+ per visit: Routine care averages around $135 per visit. Common reasons to visit the doctor include colds, blood pressure checks, and prescription refills. Specialist visits—like dermatology or chronic condition follow-ups—may cost more, depending on your provider.
Dentist Visit — $90+ per visit: Routine cleanings can cost up to $90, with cavity fillings costing $150–$200. Compared to cities like New York ($135 for a cleaning) or Los Angeles ($125), Philly is more affordable. Minor procedures like X-rays or fluoride treatments are also 5–10% below national averages.
Optometrist Visit — $95+ per visit: Eye exams cost about $95, slightly less than the national average. This typically covers vision checks and prescription updates. Additional services, such as contact lens fittings or specialized treatments, can add another $50 to $150.
Prescription Drugs — $22 per package: Common meds for chronic conditions, like Lisinopril or Metformin, cost between $15 and $30 monthly with insurance. Antibiotics for short-term needs are typically priced at $20–$40 without coverage.
Over-the-Counter Meds — $12 per package: Essentials like ibuprofen, allergy meds, and cold remedies cost around $12, helping you tackle everything from seasonal sniffles to everyday aches and pains.

Philadelphia’s cooler climate may bring about some seasonal illnesses, but overall, healthcare in the city is more affordable than in other major cities like NYC, LA, or San Francisco. Philly’s hospitals and clinics offer quality care without the sky-high prices.
However, it’s a good idea to get health insurance, as one doctor visit averages about $135*. Monthly premiums typically range from $480* to $900*, depending on the plan and coverage.

*Disclaimer: These figures are averages and can vary based on individual circumstances and specific insurance providers. It's recommended to compare plans and consult with insurance professionals to find the best coverage for your needs.

Miscellaneous Costs in Philadelphia

What Salary Do You Need to Live in Philadelphia, PA?

The average income in Philadelphia, PA is 6.5% higher, but to live comfortably, most residents need between $85,000 and $120,000 per year. The Philadelphia cost of living is about 6.5% higher than the national average, so expenses can add up depending on your lifestyle and household size.

Homeowners Spend — $104,628.00 per year: This covers mortgage payments, property taxes, utilities, and daily expenses. Neighborhoods like Mount Airy and East Passyunk combine charm with rising costs.

Renters Spend — $66,888.00 per year: Renters pay for Philadelphia apartment rent, utilities, groceries, and transit, especially in popular areas like Rittenhouse and Northern Liberties.

Families with Kids Spend — $112,860.00 per year: Including childcare, schooling, larger homes, and extracurriculars, families budget this amount. Family-friendly neighborhoods like Chestnut Hill and Roxborough often require dual incomes to stay comfortable.

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What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a Philadelphia cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine Philadelphia's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

How much is gas in Philadelphia?

The price of gas in Philadelphia, PA, averages around $3.33 per gallon, slightly above the national average. Prices can rise during holidays or peak travel seasons. With the frequently-congested I-76 and I-95, longer commute times mean you might be filling up more often than you'd like.

Is Philadelphia a good place to live?

Philadelphia offers a blend of history, urban amenities, and relative affordability. Though the cost of living in Philly is above the national average, it’s cheaper than cities like New York and Washington DC. Philly is home to top hospitals and universities, with family-friendly neighborhoods like Chestnut Hill and Fairmount.

What is the cost of living in Philadelphia, PA?

The average cost of living in Philadelphia is about 6.5% higher than the national average. Neighborhoods like Center City and Rittenhouse tend to be expensive, whereas Mayfair, Brewerytown, and East Falls provide more affordable housing options.

What is the average rent in Philadelphia, Pennsylvania?

A one-bedroom apartment in Philadelphia typically rents for $1,600 to $2,103.00 per month. Rent is higher in neighborhoods like Old City, Logan Square, and University City, especially in buildings with gyms, concierge services, and secure parking.

How much is a two-bedroom apartment in Philadelphia?

A two-bedroom apartment in Philadelphia costs between $2,200 and $3,000 per month. Expect higher prices in Graduate Hospital, Northern Liberties, and Fishtown, especially if you’re looking for modern finishes, skyline views, or pet-friendly buildings with on-site perks.

What is the average price of utilities in Philadelphia?

Monthly utility costs in Philadelphia range from $160 to $240, depending on apartment size and season. Summer months can drive up electricity bills due to AC usage. The typical utility bill includes electricity, water, sewer, trash, and internet.

How much is childcare in Pennsylvania?

If you're moving to Pennsylvania, childcare costs typically range from $950 to $1,400 per month for toddlers. Centers in Chestnut Hill and Center City tend to be more expensive, while in-home care in neighborhoods like Port Richmond or West Philly is more affordable.

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Cost of Living in
Philadelphia

Enter the city you're moving from

A Breakdown of the Cost of Living in Philadelphia, PA

Find your
dream home in Philadelphia, PA

Is Living in Philadelphia, PA Expensive?

Housing in Philadelphia

Buying a House in Philadelphia

Renting a House in Philadelphia

Utilities in Philadelphia

Food and Groceries in Philadelphia

Transportation in Philadelphia

Healthcare in Philadelphia

Miscellaneous Costs in Philadelphia

What Salary Do You Need to Live in Philadelphia, PA?

Is Philadelphia, PA Too Expensive? Find Homes in Philadelphia, PA as Per Your Budget

Discover your place in Philadelphia, PA

What is a Cost of Living Calculator?

About Cost of Living Data

Frequently Asked Questions

How much is gas in Philadelphia?

Is Philadelphia a good place to live?

What is the cost of living in Philadelphia, PA?

What is the average rent in Philadelphia, Pennsylvania?

How much is a two-bedroom apartment in Philadelphia?

What is the average price of utilities in Philadelphia?

How much is childcare in Pennsylvania?

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Cost of Living in Philadelphia

Enter the city you're moving from

A Breakdown of the Cost of Living in Philadelphia, PA

Find your dream home in Philadelphia, PA

Is Living in Philadelphia, PA Expensive?

Housing in Philadelphia

Buying a House in Philadelphia

Renting a House in Philadelphia

Utilities in Philadelphia

Food and Groceries in Philadelphia

Transportation in Philadelphia

Healthcare in Philadelphia

Miscellaneous Costs in Philadelphia

What Salary Do You Need to Live in Philadelphia, PA?

Is Philadelphia, PA Too Expensive? Find Homes in Philadelphia, PA as Per Your Budget

Discover your place in Philadelphia, PA

What is a Cost of Living Calculator?

About Cost of Living Data

Frequently Asked Questions

How much is gas in Philadelphia?

Is Philadelphia a good place to live?

What is the cost of living in Philadelphia, PA?

What is the average rent in Philadelphia, Pennsylvania?

How much is a two-bedroom apartment in Philadelphia?

What is the average price of utilities in Philadelphia?

How much is childcare in Pennsylvania?

Calculate Cost of Living Across US Cities

Homes For Sale Near Me

Homes For Sale in Popular US Cities

Homes For Sale in Popular US Neighbourhoods

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Cost of Living in
Philadelphia

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