Cost of Living in Pennsylvania — Housing, Taxes & Everyday Expenses
Very low flat tax, affordable cities, major metros
Data: 2026-Q2 · BLS · HUD · KFFOverview
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
Salary reality in Pennsylvania
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.