Chattanooga, TN vs Philadelphia, PA
Moving from Chattanooga to Philadelphia? Here's what changes — from your equivalent salary to housing ($326,370 → $390,463 median home) and taxes.
Chattanooga 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 Chattanooga, TN, you'd need about $110,842 in Philadelphia, PA (+$10,842).
Livability — Chattanooga, TN: 67 · Philadelphia, PA: 62 (0–100).
What your home budget buys
A $500,000 home budget gets you about 3,064 sqft in Chattanooga vs 2,241 sqft in Philadelphia ($163 vs $223 per sqft).
Annual cost breakdown (at $100,000)
| Category | Chattanooga, TN | Philadelphia, PA | Difference |
|---|---|---|---|
| Housing | $18,360 | $22,968 | +$4,608 |
| Groceries | $4,704 | $4,909 | +$205 |
| Transportation | $3,130 | $3,440 | +$310 |
| Utilities | $1,608 | $2,316 | +$708 |
| Insurance | $2,200 | $1,200 | −$1,000 |
| Taxes | $4,907 | $10,192 | +$5,286 |
| Total | $34,908 | $45,025 | +$10,117 |
Side by side
| Metric | Chattanooga, TN | Philadelphia, PA |
|---|---|---|
| Cost-of-living index | 92.3 | 102.4 |
| Unemployment rate | 4.49% | 6.12% |
| Population growth (5-yr) | 2.9% | 2.8% |
| Air quality (median AQI) | 52 | 53 |
| Big Mac price (est.) | $5.25 | $5.82 |
| Median home price | $326,370 | $390,463 |
| Home price ÷ income | 5.0× | 4.6× |
| 1-yr home appreciation | 0.2% | 2.5% |
| Price per square foot | $163 | $223 |
| Median rent | $1,530 | $1,914 |
| Total tax burden (% income) | 7.6% | 10.6% |
| Combined sales tax | 9.55% | 6.34% |
| Capital gains tax | None | 3.07% |
| Property tax rate | 0.71% | 1.61% |
| Healthcare (annual) | $6,300 | $7,000 |
| Childcare (annual, infant) | $9,000 | $12,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 24 | 29 |
| Home insurance / yr | $2,200 | $1,200 |
| Auto insurance / yr | $1,600 | $1,600 |
| Flood insurance / yr | $700 | $650 |
| Earthquake insurance / yr | $350 | $100 |
| Electricity ¢/kWh | 14.9 | 21.5 |
| Gas $/gal | 2.95 | 3.55 |
| Violent crime /100k | 600 | 390 |
| Avg summer high °F | 89 | 85 |
| Avg winter low °F | 30 | 22 |
| Permit difficulty (1–5) | 2 | 3 |