Champlain, NY vs Philadelphia, NY: Cost of Living

Which city costs less?

Philadelphia, NY has a modeled overall cost index 15.6% lower than Champlain, NY.

Champlain, NY · modeled 2BR rent
$1,260 / month
Philadelphia, NY · modeled 2BR rent
$1,190 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Champlain, NY and Philadelphia, NY using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

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Numbers update automatically as you type

Estimated savings: $1,126/month in Philadelphia, NY

$150,000 in your current city has a modeled equivalent of $136,490 in Philadelphia, NY

Regional cost estimates: Champlain, NY uses Boston, MA. Philadelphia, NY uses Newark, NJ. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 15.6%
Less expensive
Monthly Impact
$1,126
Savings
Annual Impact
$13.5K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Champlain, NY

Population:1K
Cost Index:
82.0
100 = national average
Typical Home:$186K

Philadelphia, NY

Population:1K
Cost Index:
69.1
100 = national average
Typical Home:$185K

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Champlain, NY

The Empire State

1K
Population
State Tax
Yes

Located in New York, this city has a population of 1K residents.

Philadelphia, NY

The Empire State

1K
Population
State Tax
Yes

Located in New York, this city has a population of 1K residents.

Cost Breakdown by Category

Estimated monthly spending: Champlain, NY vs Philadelphia, NY

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↓ 50.1%
Champlain, NY
$3,011
Philadelphia, NY
$1,502
Difference
$1,509
less
Other
↑ 29.2%
Champlain, NY
$1,157
Philadelphia, NY
$1,495
Difference
$338
more
Groceries
↑ 9.9%
Champlain, NY
$923
Philadelphia, NY
$1,014
Difference
$91.13
more
All Utilities
↓ 10.2%
Champlain, NY
$612
Philadelphia, NY
$549
Difference
$62.68
less
Transportation
↑ 1.6%
Champlain, NY
$1,161
Philadelphia, NY
$1,180
Difference
$18.69
more
Healthcare
↓ 0.2%
Champlain, NY
$636
Philadelphia, NY
$634
Difference
$1.36
less

🏠Rent Comparison

Studio
From$980
To$820
↓ $160
1 Bed
From$990
To$910
↓ $80.00
2 Bed
From$1,260
To$1,190
↓ $70.00
3 Bed
From$1,510
To$1,610
↑ $100
Champlain, NYZIP-level data

1BR range: $990–$990/mo

Philadelphia, NYZIP-level data

1BR range: $910–$910/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Champlain, NY
$6,374
Monthly in Philadelphia, NY
$1,126
Difference

Home Values

Champlain
Philadelphia
$186K
Median Value
$185K
↑ +5.6%
YoY Change
↓ -2.9%
↑ +36.8%
5-Year Change
↑ +27.1%

Homes in Philadelphia are 1% less expensive than Champlain

Calculate payment - ChamplainCalculate payment - Philadelphia

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Champlain, NY

Federal Income Tax
Effective: 18.9%
$25.5K
New York State Tax
Effective: 6.4%
$9.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.0%
$46.6K
Take-Home Pay
$8,620/month
$103.4K

Philadelphia, NY

Federal Income Tax
Effective: 18.9%
$25.5K
New York State Tax
Effective: 6.4%
$9.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.0%
$46.6K
Take-Home Pay
$8,620/month
$103.4K

Additional Tax Information

Champlain, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

Philadelphia, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Champlain
Philadelphia
36 Good
Air Quality
N/A
79.5%
Good Air Days
-
94 Moderate
Climate Risk
98 High
🌊🌅🌀
Top Hazards
🌊🌡🌪
▲+2.5°F
2050 Outlook
▲+2.9°F
6 days
Heat Days >95°F
15 days
▲+2.5°F
2050 Outlook
▲+2.9°F
6 days
Heat Days >95°F
15 days

Before moving from Champlain, NY to Philadelphia, NY

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Philadelphia, NY for the same bedroom count and included utilities as your home in Champlain, NY. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Champlain to Philadelphia moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Philadelphia, NY by cost, housing, population and region.

Frequently Asked Questions: Champlain, NY vs Philadelphia, NY

How do the cost estimates for Champlain, NY and Philadelphia, NY compare?

Philadelphia, NY has a modeled overall cost index 15.6% lower than Champlain, NY. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Champlain, NY, the model estimates $136,490 in Philadelphia, NY. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Champlain, NY and Philadelphia, NY?

The modeled two-bedroom rents are $1,260/month in Champlain, NY and $1,190/month in Philadelphia, NY. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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