Is Philadelphia, PA cheaper than Tampa, FL?

Based on cost of living data, Philadelphia, PA is 1.7% cheaper than Tampa, FL. This translates to saving $131 per month.

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

If you earn $150,000 in Tampa, FL, you'd need approximately $148,427.184 in Philadelphia, PA to maintain the same standard of living.

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

Housing in Philadelphia, PA is 14.4% cheaper than in Tampa, FL. For a two-bedroom apartment, rent is $1,660/month in Philadelphia, PA compared to $2,290/month in Tampa, FL.

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

Moving from Tampa, FL to Philadelphia, PA could save you approximately $131 per month, or $1573 per year, based on a $150,000 salary.

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Tampa, FL

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Philadelphia, PA

Cost of Living Comparison 2026

Current salary in Tampa, FL

Numbers update automatically as you type

You'd save $131/month moving to Philadelphia, PA

$150.0K in your current city equals $148.4K in Philadelphia, PA

Rent data from HUD ZIP-level estimates · COL index from Tampa-St. Petersburg-Clearwater, FL area

Overall Cost

↓ 1.7%

Less expensive

Monthly Impact

$131

Savings

Annual Impact

$1.6K

Per year

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

Tampa, FL

Population:385K

Cost Index:100

Median Home:$367K

Philadelphia, PA

Population:1584K

Cost Index:98

Median Home:$241K

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

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

Cost Breakdown by Category

Annual spending: Tampa, FL vs Philadelphia, PA

Category	Tampa, FL	Philadelphia, PA	Difference	Change
🏠Housing	$2,703/mo	$2,313/mo	↓ $390less	14.4%
🚗Transportation	$1,284/mo	$1,421/mo	↑ $137more	10.6%
🛒Groceries	$1,019/mo	$1,104/mo	↑ $84.94more	8.3%
🏥Healthcare	$570/mo	$607/mo	↑ $37.17more	6.5%
📦Other	$1,808/mo	$1,774/mo	↓ $33.48less	1.9%
⚡All Utilities	$574/mo	$607/mo	↑ $32.79more	5.7%

🏠Housing

↓ 14.4%

Tampa, FL

$2,703

Philadelphia, PA

$2,313

Difference

$390

less

🚗Transportation

↑ 10.6%

Tampa, FL

$1,284

Philadelphia, PA

$1,421

Difference

$137

🛒Groceries

↑ 8.3%

Tampa, FL

$1,019

Philadelphia, PA

$1,104

Difference

$84.94

🏥Healthcare

↑ 6.5%

Tampa, FL

$570

Philadelphia, PA

$607

Difference

$37.17

📦Other

↓ 1.9%

Tampa, FL

$1,808

Philadelphia, PA

$1,774

Difference

$33.48

less

⚡All Utilities

↑ 5.7%

Tampa, FL

$574

Philadelphia, PA

$607

Difference

$32.79

🏛️ 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$1,850

To$1,280

↓ $570

1 Bed

From$1,960

To$1,390

↓ $570

2 Bed

From$2,290

To$1,660

↓ $630

3 Bed

From$2,930

To$1,990

↓ $940

Tampa, FLZIP-level data

1BR range: $1,410–$2,550/mo

Philadelphia, PAZIP-level data

1BR range: $1,080–$2,280/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.

$7,958

Monthly in Tampa, FL

$7,826

Monthly in Philadelphia, PA

$132

Difference

Home Values

Tampa

Philadelphia

$367K

Median Value

$241K

↓ -4%

YoY Change

↑ +2.8%

↑ +42.1%

5-Year Change

↑ +9%

$251K - $989K

Price Range

$71K - $855K

Homes in Philadelphia are 34% less expensive than Tampa

Calculate payment - Tampa Calculate payment - Philadelphia

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $4.6K

More taxes

Monthly Difference

$384

Less take-home

Effective Rate Diff

3.1%

Rate difference

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

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

Additional Tax Information

Tampa, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Philadelphia, PA Tax Rates

Sales Tax:6.5%

Property Tax:1.4%

💡 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.