Philadelphia, PA vs Memphis, TN
Moving from Philadelphia to Memphis? Here's what changes — from your equivalent salary to housing ($390,463 → $247,229 median home) and taxes.
Philadelphia vs Memphis 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 Philadelphia, PA, you'd need about $89,824 in Memphis, TN (−$10,176).
Livability — Philadelphia, PA: 62 · Memphis, TN: 70 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,241 sqft in Philadelphia vs 4,045 sqft in Memphis ($223 vs $124 per sqft).
Annual cost breakdown (at $100,000)
| Category | Philadelphia, PA | Memphis, TN | Difference |
|---|---|---|---|
| Housing | $22,968 | $17,292 | −$5,676 |
| Groceries | $4,909 | $4,715 | −$194 |
| Transportation | $3,440 | $3,130 | −$310 |
| Utilities | $2,316 | $1,608 | −$708 |
| Insurance | $1,200 | $2,200 | +$1,000 |
| Taxes | $10,192 | $5,158 | −$5,034 |
| Total | $45,025 | $34,103 | −$10,922 |
Side by side
| Metric | Philadelphia, PA | Memphis, TN |
|---|---|---|
| Cost-of-living index | 102.4 | 91.9 |
| Unemployment rate | 6.12% | 6.84% |
| Population growth (5-yr) | 2.8% | -0.6% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.82 | $5.23 |
| Median home price | $390,463 | $247,229 |
| Home price ÷ income | 4.6× | 4.0× |
| 1-yr home appreciation | 2.5% | 0.1% |
| Price per square foot | $223 | $124 |
| Median rent | $1,914 | $1,441 |
| Total tax burden (% income) | 10.6% | 7.6% |
| Combined sales tax | 6.34% | 9.55% |
| Capital gains tax | 3.07% | None |
| Property tax rate | 1.61% | 0.87% |
| Healthcare (annual) | $7,000 | $6,300 |
| Childcare (annual, infant) | $12,000 | $9,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 29 | 24 |
| Home insurance / yr | $1,200 | $2,200 |
| Auto insurance / yr | $1,600 | $1,600 |
| Flood insurance / yr | $650 | $700 |
| Earthquake insurance / yr | $100 | $350 |
| Electricity ¢/kWh | 21.5 | 14.9 |
| Gas $/gal | 3.55 | 2.95 |
| Natural gas / mo | $82 | $62 |
| Water & sewer / mo | $65 | $121 |
| Home internet / mo | $78 | $80 |
| Violent crime /100k | 390 | 600 |
| Avg summer high °F | 85 | 89 |
| Avg winter low °F | 22 | 30 |
| Annual precipitation (in) | 44.1 | 54.9 |
| Annual snowfall (in) | 23.1 | 2.7 |
| Sunshine (% possible) | 56% | 64% |
| Permit difficulty (1–5) | 3 | 2 |