Cost of Living in Pennsylvania — Housing, Taxes & Everyday Expenses

Very low flat tax, affordable cities, major metros

Data: 2026-Q2 · BLS · HUD · KFF

Overview

Pennsylvania's 3.07% flat income tax is among the lowest in the country. Philadelphia and Pittsburgh offer major-city amenities at below-coastal costs.

Housing costs

Median 1BR rent in Philadelphia is approximately $1,600 and Pittsburgh approximately $1,300. Suburban PA is significantly more affordable.

1BR FMR across major Pennsylvania cities: $1,077 – $1,520/mo (HUD FY2026)

Tax reality

Pennsylvania has a flat income tax rate of 3.07% — one of the lowest flat rates in the nation.

Everyday expenses

At a cost of living index of 97, Pennsylvania is about 3% cheaper than the national average of 100. Pennsylvania's very low flat tax provides a meaningful take-home advantage. Philadelphia offers coastal-city amenities at significantly lower cost.

City comparison

City 1BR FMR 2BR FMR
Philadelphia $1,520 $1,810
Pittsburgh $1,077 $1,299

Salary reality in Pennsylvania

$40-60k ~$3,390/mo take-home
$60-80k ~$4,624/mo take-home
$80-100k ~$5,745/mo take-home
FAQ

Cost of Living in Pennsylvania — FAQ

What is Pennsylvania's income tax rate?

Pennsylvania has a flat income tax rate of 3.07%, one of the lowest flat rates in the nation.

Is Pennsylvania affordable?

Pennsylvania has a cost of living index of 97, slightly below the national average. Philadelphia and Pittsburgh are significantly more affordable than comparable coastal cities.

Related

Full Pennsylvania Income Reality → Cheapest States All Cost of Living Guides

Income Reality Check is an educational tool, not financial advice. Your situation has more dimensions than any tool can capture.