Side-by-side cost of living comparison for 2026
40% cheaper
Philadelphia is 40% more affordable than Cambridge. A $75,000 salary in Cambridge is equivalent to $44,663 in Philadelphia.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Massachusetts salaries · Pennsylvania salaries
Housing is typically the biggest factor in any cost-of-living comparison. Cambridge has a housing index of 280 while Philadelphia sits at 107 (national average = 100). The median home in Cambridge costs $890,000 compared to $240,000 in Philadelphia, a difference of $650,000. Monthly rent follows a similar pattern: $3,100 in Cambridge versus $1,400 in Philadelphia.
Groceries and everyday expenses show a notable difference: Cambridge scores 110 while Philadelphia scores 104.
Healthcare costs in Cambridge (118) are higher than Philadelphia (101).
Median household income in Cambridge is $103,154 compared to $49,127 in Philadelphia. When adjusted for cost of living, income goes further in Philadelphia.
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