Pensacola, FL vs Philadelphia, PA
Moving from Pensacola to Philadelphia? Here's what changes — from your equivalent salary to housing ($310,470 → $390,463 median home) and taxes.
Pensacola 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 Pensacola, FL, you'd need about $106,796 in Philadelphia, PA (+$6,796).
Livability — Pensacola, FL: 70 · Philadelphia, PA: 62 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,980 sqft in Pensacola vs 2,241 sqft in Philadelphia ($168 vs $223 per sqft).
Annual cost breakdown (at $100,000)
| Category | Pensacola, FL | Philadelphia, PA | Difference |
|---|---|---|---|
| Housing | $21,180 | $22,968 | +$1,788 |
| Groceries | $4,813 | $4,909 | +$96 |
| Transportation | $4,800 | $3,440 | −$1,360 |
| Utilities | $1,656 | $2,316 | +$660 |
| Insurance | $4,200 | $1,200 | −$3,000 |
| Taxes | $3,897 | $10,192 | +$6,295 |
| Total | $40,546 | $45,025 | +$4,479 |
Side by side
| Metric | Pensacola, FL | Philadelphia, PA |
|---|---|---|
| Cost-of-living index | 95.8 | 102.4 |
| Unemployment rate | 5.65% | 6.12% |
| Population growth (5-yr) | 7.0% | 2.8% |
| Air quality (median AQI) | 46 | 53 |
| Big Mac price (est.) | $5.45 | $5.82 |
| Median home price | $310,470 | $390,463 |
| Home price ÷ income | 4.5× | 4.6× |
| 1-yr home appreciation | 0.7% | 2.5% |
| Price per square foot | $168 | $223 |
| Median rent | $1,765 | $1,914 |
| Total tax burden (% income) | 9.1% | 10.6% |
| Combined sales tax | 7.02% | 6.34% |
| Capital gains tax | None | 3.07% |
| Property tax rate | 0.62% | 1.61% |
| Healthcare (annual) | $7,500 | $7,000 |
| Childcare (annual, infant) | $10,000 | $12,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 26 | 29 |
| Home insurance / yr | $4,200 | $1,200 |
| Auto insurance / yr | $2,900 | $1,600 |
| Flood insurance / yr | $1,400 | $650 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 15.4 | 21.5 |
| Gas $/gal | 3.35 | 3.55 |
| Violent crime /100k | 380 | 390 |
| Avg summer high °F | 91 | 85 |
| Avg winter low °F | 52 | 22 |
| Permit difficulty (1–5) | 3 | 3 |