Income Reality in Pennsylvania — Taxes, Housing & Salary

Very low flat tax, affordable cities, major metros

Data: 2026-Q2 · BLS · HUD · KFF
Cost of Living Index
97
Median Household Income
$77,545
State Income Tax
3.07% top rate
Median Rent
$1,700/mo

Income tax overview

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

Housing snapshot

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)

Cost of living summary

At an index of 97, Pennsylvania is about 3% cheaper than the national average of 100.

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.

Major cities

Philadelphia

1BR $1,520/mo

Pittsburgh

1BR $1,077/mo

Purchasing power context

Pennsylvania's very low flat tax provides a meaningful take-home advantage. Philadelphia offers coastal-city amenities at significantly lower cost.

Purchasing Power Reality

What your salary feels like in other cities

Your 60-80k in Philadelphia feels like approximately $128,424 in New York City — your purchasing power increases by 83%
Your 60-80k in Philadelphia feels like approximately $72,799 in Baltimore — your purchasing power increases by 4%
Your 60-80k in Philadelphia feels like approximately $49,599 in Pittsburgh — your purchasing power decreases by 29%

Salary reality examples

$60-80k ~$4,624/mo take-home

Comfortable in Philadelphia. Very comfortable in Pittsburgh and smaller cities.

$80-100k ~$5,745/mo take-home

Strong purchasing power. Pennsylvania's low flat tax boosts take-home significantly.

$100-130k ~$7,147/mo take-home

Excellent flexibility statewide.

FAQ

FAQ — Income Reality in Pennsylvania

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.

Cities in Pennsylvania

PhiladelphiaPittsburgh

Related tools

Salary Reality Checker → City Comparison Salary Equivalency

Cost of Living Index from C2ER. This is a picture, not a verdict.

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