Is Tampa, FL cheaper than Philadelphia, PA?

Based on cost of living data, Tampa, FL is 1.8% more expensive than Philadelphia, PA. This translates to spending an extra $133 per month.

What salary do I need in Tampa, FL to live like I do in Philadelphia, PA?

If you earn $150,000 in Philadelphia, PA, you'd need approximately $151,600.791 in Tampa, FL to maintain the same standard of living.

How does housing cost compare between Philadelphia, PA and Tampa, FL?

Housing in Tampa, FL is 16.9% more expensive than in Philadelphia, PA. For a two-bedroom apartment, rent is $2,290/month in Tampa, FL compared to $1,660/month in Philadelphia, PA.

How much can I save per month by moving from Philadelphia, PA to Tampa, FL?

Living in Tampa, FL costs approximately $133 more per month than Philadelphia, PA, or $1601 more per year, based on a $150,000 salary.

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Philadelphia, PA

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Tampa, FL

Cost of Living Comparison 2026

Current salary in Philadelphia, PA

Numbers update automatically as you type

You'd spend $133/month more in Tampa, FL

$150.0K in your current city equals $151.6K in Tampa, FL

Rent data from HUD ZIP-level estimates · COL index from Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area

Overall Cost

↑ 1.8%

More expensive

Monthly Impact

$133

Extra cost

Annual Impact

$1.6K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Philadelphia, PA

Population:1584K

Cost Index:100

Median Home:$241K

Tampa, FL

Population:385K

Cost Index:102

Median Home:$367K

Philadelphia, PA

The Keystone State

1.6M

Population

State Tax

Yes

Climate

Humid subtropical

Notable Facts

•Birthplace of America
•Cheesesteak city
•Major East Coast hub

Major Industries

HealthcareEducationFinanceManufacturing

Tampa, FL

The Sunshine State

385K

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Major Tampa Bay area
•No state income tax
•Growing tech scene

Major Industries

FinanceTechnologyHealthcareTourism

Cost Breakdown by Category

Annual spending: Philadelphia, PA vs Tampa, FL

Category	Philadelphia, PA	Tampa, FL	Difference	Change
🏠Housing	$2,313/mo	$2,703/mo	↑ $390more	16.9%
🚗Transportation	$1,421/mo	$1,284/mo	↓ $137less	9.6%
🛒Groceries	$1,104/mo	$1,019/mo	↓ $84.94less	7.7%
🏥Healthcare	$607/mo	$570/mo	↓ $37.17less	6.1%
📦Other	$1,774/mo	$1,808/mo	↑ $33.48more	1.9%
⚡All Utilities	$607/mo	$574/mo	↓ $32.79less	5.4%

🏠Housing

↑ 16.9%

Philadelphia, PA

$2,313

Tampa, FL

$2,703

Difference

$390

🚗Transportation

↓ 9.6%

Philadelphia, PA

$1,421

Tampa, FL

$1,284

Difference

$137

less

🛒Groceries

↓ 7.7%

Philadelphia, PA

$1,104

Tampa, FL

$1,019

Difference

$84.94

less

🏥Healthcare

↓ 6.1%

Philadelphia, PA

$607

Tampa, FL

$570

Difference

$37.17

less

📦Other

↑ 1.9%

Philadelphia, PA

$1,774

Tampa, FL

$1,808

Difference

$33.48

⚡All Utilities

↓ 5.4%

Philadelphia, PA

$607

Tampa, FL

$574

Difference

$32.79

less

🏛️ Local Income Taxes

Philadelphia, PA: Philadelphia Wage Tax (resident)$5,625/yr (3.8%)

Tampa, FL has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$1,280

To$1,850

↑ $570

1 Bed

From$1,390

To$1,960

↑ $570

2 Bed

From$1,660

To$2,290

↑ $630

3 Bed

From$1,990

To$2,930

↑ $940

Philadelphia, PAZIP-level data

1BR range: $1,080–$2,280/mo

Tampa, FLZIP-level data

1BR range: $1,410–$2,550/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,826

Monthly in Philadelphia, PA

$7,958

Monthly in Tampa, FL

$132

Difference

Home Values

Philadelphia

Tampa

$241K

Median Value

$367K

↑ +2.8%

YoY Change

↓ -4%

↑ +9%

5-Year Change

↑ +42.1%

$71K - $855K

Price Range

$251K - $989K

Homes in Tampa are 52% more expensive than Philadelphia

Calculate payment - Philadelphia Calculate payment - Tampa

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.6K

Per year

Monthly Difference

$384

More take-home

Effective Rate Diff

3.1%

Rate difference

Philadelphia, PA

Federal Income Tax

Effective: 18.9%

$25.5K

Pennsylvania State Tax

Effective: 3.1%

$4.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.7%

$41.6K

Take-Home Pay

$9,032/month

$108.4K

Tampa, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Philadelphia, PA Tax Rates

Sales Tax:6.5%

Property Tax:1.4%

Tampa, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

💡 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.