Philadelphia, PA Utility & Living Guide

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Philadelphia, PA Utility & Living Guide

Philadelphia, colloquially referred to as Philly, is the most populous city in the U.S. state of Pennsylvania and the sixth-most populous city in the United States. Its population was 1.60 million at the 2020 census and estimated at 1.57 million in 2025. The Philadelphia metropolitan area, also know

Last updated: June 25, 2026
Total Utilities$305/mo
1BR Rent$1200/mo
Sales Tax7.5%
COL Index105 (+5% above national average)
Family Score6/10
Median Home$320,000
📷 Live Cameras — Philadelphia
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🌤️ Live Weather — Philadelphia
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🚨 City In The News
The City of Philadelphia has taken a significant step to make homeownership more affordable for its residents, with the Department of Revenue announcing increased income eligibility limits for several real estate tax relief programs. This move reflects the U.S. Department of Housing and Urban Development's 2026 Area Median Income guidelines, ensuring that more Philadelphians can access vital property tax relief. For individuals and families considering relocating to Philadelphia, this development is particularly noteworthy, as it underscores the city's commitment to supporting its residents and making housing more accessible. As the cost of living in Philadelphia continues to rise, initiatives like these are crucial in maintaining the city's quality of life and attractiveness to newcomers. With its rich history, cultural amenities, and thriving economy, Philadelphia is already an appealing destination for many; now, with enhanced property tax relief programs, it becomes an even more viable option for those looking to put down roots in a vibrant and supportive community. Philadelphia is worth watching as it continues to evolve and implement policies that benefit its residents and make the city an exciting place to live and work.
⚠️ Natural Hazard History — Philadelphia
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💰 Budget Calculator
🔌 Utilities
🏠 Housing
📊 Cost of Living
💰 Taxes
👨‍👩‍👧 Families
🧮 Tools

Monthly Utility Costs

⚡ Electric

$120/mo

PECO (Exelon)
🔥 Gas

$50/mo

PGW (Philadelphia Gas Works)
💧 Water

$45/mo

Philadelphia Water Department
🗑️ Garbage

$25/mo

Philadelphia Streets Department
📶 Internet

$65/mo

Combined Average Overhead$305/month

Housing Market

Rent & Property
1 Bedroom$1200/mo
2 Bedrooms$1600/mo
3 Bedrooms$2100/mo
Median Home Price$320,000
Property Tax Rate1.2%
Avg Childcare/mo$1000

Philadelphia’s housing market remains relatively affordable but is seeing steady price increases, especially in popular neighborhoods like Fishtown and University City. Inventory is tight for single-family homes under $300K.

Cost of Living

Overall COL Index

105

US national avg = 100
vs National Avg

+5% above national average

Groceries

102

Transportation

98

Healthcare

100

Childcare/mo

$1000

Tax Rates

Tax Overview
Total Sales Tax7.5%
Property Tax Rate1.2%
<p>State 6% + County 0% + City 1.5%</p>

Pennsylvania has a flat 3.07% state income tax. Philadelphia adds a 3.88% local wage tax.

Family & Relocation

Family Vibe Score
6/10
Safety Index

50

Higher = safer
School Rating

6.5/10

GreatSchools avg
Avg Childcare

$1000/mo

City Pulse

Population Trend
+0.8% (growing)
Political Climate
Deep Blue (Democrats hold all citywide offices)
Business Momentum
Moderate with strengths in healthcare, education, and fintech. Comcast anchors the tech sector.
Top Local Concerns
Crime, affordable housing, school quality
🚌 Transit for Families

SEPTA buses and trolleys have priority boarding for strollers but many subway stations lack elevators. The Indego bike share offers child trailers.

🎡 Top Kid Attractions
  • 🎯
    Please Touch Museum
  • 🎯
    Philadelphia Zoo
  • 🎯
    Franklin Institute

Best Neighborhoods for Families

Mount Airy and Chestnut Hill offer suburban-like amenities with good schools and parks while remaining in the city. Fairmount-Spring Garden has walkable access to museums.

Household Budget Calculator

Estimate your real monthly cost of living in Philadelphia based on your household profile.

Financial Tools

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📊 Philadelphia — Census & Demographic Data

Official data from the US Census Bureau, American Community Survey.

💰 Median Household Income
$52,649
👤 Median Age
34.8
🏠 Homeownership Rate
52.4%
🔑 Renter Rate
47.6%
📉 Poverty Rate
22.8%
💼 Unemployment Rate
8.9%
📡 Internet Access
83.1%
🎓 College Educated
27.7%

☀️ Seasonal Utility Costs

Summer AC use can double electric bills July-August. Winter heating (Nov-Mar) increases gas costs by 40-60% depending on home insulation.

🏛️ Local Tax Details

19103 (Center City) has 1.3998% effective property tax rate. Keystone Opportunity Zones offer tax abatements in certain areas.

👶 Family & Stroller Friendliness

7/10: Good sidewalk coverage but uneven pavement in older areas. 90% of parks have accessible entrances. Limited elevator access at subway stations.

📍 Philadelphia City Stories

Philadelphia, Pennsylvania — Pennsylvania: Philadelphia DOR Increases Income Limits for P

The City of Philadelphia has taken a significant step to make homeownership more affordable for its residents, with...

Read more →
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