Can I Afford to Live in Philadelphia vs New York on $100K?
Here's how a $100K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Philadelphia PA | New York NY |
|---|---|---|
| Monthly take-home (est.) | $6,063 | $5,746 |
| 1BR rent | $2,000 | $3,500 |
| Groceries (est.) | $391 | $437 |
| Transport (est.) | $96 | $132 |
| Utilities | $160 | $180 |
| Internet | $65 | $75 |
| Left after essentials | $3,351/month | $1,422/month |
Frequently asked questions
Is $100K a good salary in Philadelphia?
At $100K/year in Philadelphia, your estimated monthly take-home is $6,063. With 1BR rent around $2,000/month, rent takes up 33% of your take-home. That's considered manageable.
Is $100K a good salary in New York?
At $100K/year in New York, your estimated monthly take-home is $5,746. With 1BR rent around $3,500/month, rent takes up 61% of your take-home. That's considered difficult.
Which city is more affordable on a $100K salary?
Philadelphia leaves you with more money after core expenses — $3,351/month vs $1,422/month in New York.
Can I afford to live alone in Philadelphia on $100K?
Yes. At $100K in Philadelphia, rent takes 33% of your take-home, leaving $3,351/month after essentials. Most financial planners recommend keeping rent below 30%.
See the full cost-of-living comparison
Rent, groceries, taxes, transportation, and more — side by side.
Take-home estimates use simplified federal/state brackets and do not account for pre-tax deductions, 401(k), or local taxes. Data: Zillow, BLS, Numbeo · Q1 2026 · For general guidance only