Philadelphia vs Washington: cost of living compared

Washington is 36% more expensive than Philadelphia overall. State income tax tops out around 3.07% in PA vs 8.5% in DC.

Indexes use a US average of 100: below 100 is cheaper than the national average. Housing and transportation are derived from median home prices, rents and commute times; figures come from BLS, Census ACS, Numbeo and the MIT Living Wage Calculator.

The big picture

Overall, the cost of living in Washington is significantly higher than in Philadelphia. This difference is largely driven by housing expenses, which are substantially greater in the nation's capital. While other categories like food, transportation, and healthcare also show Washington to be more expensive, the housing market creates the biggest gap in overall expenditure between the two metros.

Housing

Housing costs present a stark contrast, with both median home prices and typical one-bedroom rents being considerably higher in Washington. Philadelphia offers a more accessible housing market for both buyers and renters. While both cities feature a mix of historic rowhomes and modern apartments, the financial commitment for ownership or tenancy is noticeably less burdensome in Philadelphia.

Taxes and everyday costs

Daily expenses also vary, with Washington generally being more expensive across the board. Food, healthcare, and utilities are all somewhat higher in Washington. Furthermore, state income taxes are substantially greater in Washington, impacting disposable income. Transportation costs are also elevated in Washington, although both cities offer extensive public transit options.

Lifestyle trade-offs

Both metros experience distinct four-season climates. Washington's public transportation system is extensive, and while Philadelphia also has a robust network, average commute times are roughly similar. Washington often feels more densely packed and fast-paced, reflecting its role as a national center, while Philadelphia offers a slightly more relaxed urban rhythm.

Bottom line

Moving between these two metros means a substantial shift in household budgeting. A household relocating from Philadelphia to Washington should anticipate a significantly higher overall cost of living, primarily due to housing and a higher state income tax burden. Conversely, a move from Washington to Philadelphia would likely free up considerable funds for other expenses or savings.

Compare any two metros with the free cost of living tool, or see the true monthly cost of a specific Washington home with the True Cost Calculator.

More comparisons

• Washington vs Philadelphia cost of living
• New York vs Washington cost of living
• Los Angeles vs Washington cost of living
• Chicago vs Washington cost of living
• Dallas vs Washington cost of living
• Houston vs Washington cost of living
• Miami vs Washington cost of living