Tempe wins overall by ~4% (COL index)
Cost of living: Tempe vs Philadelphia (2026)
A $61,500 salary in Tempe buys roughly what $63,888 does in Philadelphia (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
+$5,625/yr
Favoring Tempe for this income & household (illustrative).
With the extra $469/mo, you could pay down a $15,000 card balance in ~33 months and still keep ~$56/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Tempe Arizona | Philadelphia Pennsylvania | Who wins | Your impact at $62K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,250Wins | $1,600 | Tempe wins +$350/mo | $4,200/yr saves in Tempe |
| 1BR rent/mo | $1,600Wins | $2,000 | Tempe wins +$400/mo | $4,800/yr saves in Tempe |
| 2BR rent/mo | $2,100Wins | $2,600 | Tempe wins +$500/mo | $6,000/yr saves in Tempe |
| Median home price | $430K | $290KWins | Philadelphia wins −$140K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 100Better | 103 | Tempe wins +3 | — |
| Budget meal (1 person) | $14Better | $15 | Tempe wins +$1/mo | — |
| Mid-range dinner (2) | $58Better | $60 | Tempe wins +$2/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $55Wins | $96 | Tempe wins +$41/mo | $492/yr saves in Tempe |
| Gas price/gal | $3.20Better | $3.30 | Tempe wins +$0.10 | — |
| Car insurance/mo | $158Better | $175 | Tempe wins +$17/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $210 | $160Wins | Philadelphia wins −$50/mo | $600/yr saves in Philadelphia |
| Internet/mo | $62Better | $65 | Tempe wins +$3/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $68KWins | $55K | Tempe wins −$13K more/yr | — |
| State income tax% | 2.5%Wins | 3.1% | Tempe wins +0.6 pp | $369/yr saves in Tempe |
| Sales tax (combined)% | 8.6% | 8.0%Better | Philadelphia wins -0.6 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $15.00Better | $16.00 | Tempe wins +$1.00 | — |
| Gym membership/mo | $40Better | $45 | Tempe wins +$5/mo | — |
| Beer at restaurant | $6.50Better | $7.00 | Tempe wins +$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 103Better | 107 | Tempe wins +4 | — |
| Walk score / 100 | 46 | 76Wins | Philadelphia wins +30 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Tempe fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Tempe.
High-yield savings
Park ~$4,800/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
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Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Tempe cheaper than Philadelphia?
Yes. Tempe is 4% cheaper than Philadelphia based on overall cost of living indices (103 vs 107, where 100 = US average).
What is the average rent in Tempe vs Philadelphia?
As of Q1 2026, the median 1-bedroom rent in Tempe is $1,600/month and in Philadelphia is $2,000/month. Tempe is cheaper by 20%.
How much do I need to earn in Philadelphia to match a $75,000 salary in Tempe?
To maintain a similar lifestyle, you would need approximately $77,913/year in Philadelphia to match a $75,000 salary in Tempe. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Tempe or Philadelphia?
Tempe has the lower state income tax rate at 2.5% vs 3.1%. The difference is 0.6 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Tempe to Philadelphia?
It depends on your priorities. Tempe offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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