Philadelphia, PA vs Springfield, MA
Moving from Philadelphia to Springfield? Here's what changes — from your equivalent salary to housing ($390,463 → $376,017 median home) and taxes.
Philadelphia vs Springfield 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 $95,804 in Springfield, MA (−$4,196).
Livability — Philadelphia, PA: 62 · Springfield, MA: 60 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,241 sqft in Philadelphia vs 2,260 sqft in Springfield ($223 vs $221 per sqft).
Annual cost breakdown (at $100,000)
| Category | Philadelphia, PA | Springfield, MA | Difference |
|---|---|---|---|
| Housing | $22,968 | $23,292 | +$324 |
| Groceries | $4,909 | $4,938 | +$29 |
| Transportation | $3,440 | $3,210 | −$230 |
| Utilities | $2,316 | $3,180 | +$864 |
| Insurance | $1,200 | $1,800 | +$600 |
| Taxes | $10,192 | $15,617 | +$5,425 |
| Total | $45,025 | $52,036 | +$7,011 |
Side by side
| Metric | Philadelphia, PA | Springfield, MA |
|---|---|---|
| Cost-of-living index | 102.4 | 98.1 |
| Unemployment rate | 6.12% | 5.93% |
| Population growth (5-yr) | 2.8% | 9.4% |
| Air quality (median AQI) | 53 | 38 |
| Big Mac price (est.) | $5.82 | $5.58 |
| Median home price | $390,463 | $376,017 |
| Home price ÷ income | 4.6× | 5.3× |
| 1-yr home appreciation | 2.5% | 2.7% |
| Price per square foot | $223 | $221 |
| Median rent | $1,914 | $1,941 |
| Total tax burden (% income) | 10.6% | 11.5% |
| Combined sales tax | 6.34% | 6.25% |
| Capital gains tax | 3.07% | 9.00% |
| Property tax rate | 1.61% | 1.59% |
| Healthcare (annual) | $7,000 | $8,200 |
| Childcare (annual, infant) | $12,000 | $21,000 |
| Vehicle property tax | None | 2.25% |
| Avg commute (min) | 29 | 23 |
| Home insurance / yr | $1,200 | $1,800 |
| Auto insurance / yr | $1,600 | $1,500 |
| Flood insurance / yr | $650 | $800 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 21.5 | 29.4 |
| Gas $/gal | 3.55 | 3.30 |
| Violent crime /100k | 390 | 330 |
| Avg summer high °F | 85 | 82 |
| Avg winter low °F | 22 | 22 |
| Permit difficulty (1–5) | 3 | 4 |