Albany, NY vs Philadelphia, PA
Moving from Albany to Philadelphia? Here's what changes — from your equivalent salary to housing ($370,533 → $390,463 median home) and taxes.
Albany vs Philadelphia at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Albany, NY, you'd need about $104,264 in Philadelphia, PA (+$4,264).
Livability — Albany, NY: 58 · Philadelphia, PA: 62 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,159 sqft in Albany vs 2,241 sqft in Philadelphia ($232 vs $223 per sqft).
Annual cost breakdown (at $100,000)
| Category | Albany, NY | Philadelphia, PA | Difference |
|---|---|---|---|
| Housing | $20,172 | $22,968 | +$2,796 |
| Groceries | $4,868 | $4,909 | +$41 |
| Transportation | $3,895 | $3,440 | −$455 |
| Utilities | $3,180 | $2,316 | −$864 |
| Insurance | $1,600 | $1,200 | −$400 |
| Taxes | $18,849 | $10,192 | −$8,657 |
| Total | $52,564 | $45,025 | −$7,539 |
Side by side
| Metric | Albany, NY | Philadelphia, PA |
|---|---|---|
| Cost-of-living index | 98.2 | 102.4 |
| Unemployment rate | 4.97% | 6.12% |
| Population growth (5-yr) | 2.3% | 2.8% |
| Air quality (median AQI) | 37 | 53 |
| Big Mac price (est.) | $5.59 | $5.82 |
| Median home price | $370,533 | $390,463 |
| Home price ÷ income | 4.4× | 4.6× |
| 1-yr home appreciation | 5.5% | 2.5% |
| Price per square foot | $232 | $223 |
| Median rent | $1,681 | $1,914 |
| Total tax burden (% income) | 15.9% | 10.6% |
| Combined sales tax | 8.52% | 6.34% |
| Capital gains tax | 10.90% | 3.07% |
| Property tax rate | 1.95% | 1.61% |
| Healthcare (annual) | $7,800 | $7,000 |
| Childcare (annual, infant) | $17,000 | $12,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 23 | 29 |
| Home insurance / yr | $1,600 | $1,200 |
| Auto insurance / yr | $2,100 | $1,600 |
| Flood insurance / yr | $800 | $650 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 29.4 | 21.5 |
| Gas $/gal | 3.45 | 3.55 |
| Violent crime /100k | 350 | 390 |
| Avg summer high °F | 83 | 85 |
| Avg winter low °F | 16 | 22 |
| Permit difficulty (1–5) | 5 | 3 |