Philadelphia vs Hartford

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: Pennsylvania salaries · Connecticut salaries

Living in Philadelphia vs Hartford

Housing is typically the biggest factor in any cost-of-living comparison. Philadelphia has a housing index of 107 while Hartford sits at 121 (national average = 100). The median home in Philadelphia costs $240,000 compared to $215,000 in Hartford, a difference of $25,000. Monthly rent follows a similar pattern: $1,400 in Philadelphia versus $1,200 in Hartford.

Groceries and everyday expenses show a narrower gap: Philadelphia scores 104 while Hartford scores 106.

Healthcare costs in Philadelphia (101) are lower than Hartford (114).

Median household income in Philadelphia is $49,127 compared to $40,068 in Hartford. When adjusted for cost of living, income goes further in Philadelphia.

Relocating: Philadelphia vs Hartford

If you are considering a move between Philadelphia (index: 106) and Hartford (index: 112), the 5% cost difference has real implications for your budget. Philadelphia is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in Philadelphia can afford $1,146/month, while the median household in Hartford can afford $935/month. With median homes at $240,000 in Philadelphia versus $215,000 in Hartford, both cities offer reasonable homeownership opportunities at median income.

Renting vs buying: At $1,400/month in Philadelphia and $1,200/month in Hartford, renters face similar costs in both cities. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes significantly further in Philadelphia. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: Philadelphia (106) vs Hartford (112)

The cost of living index uses 100 as the national average. Philadelphia at 106 is 6% above the US average, while Hartford at 112 is 12% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

The overall index is a weighted average of housing (the largest component), groceries, utilities, transportation, and healthcare. Housing typically drives the biggest differences between cities. Even when two cities have similar overall indices, their category-level costs can vary significantly — one city might have expensive housing but cheap groceries, while another is the reverse. Check the category breakdown above for the full picture.

For renters: With median rents of $1,400/month in Philadelphia and $1,200/month in Hartford, the annual rent difference is approximately $2,400. Over a 5-year period, that compounds to $12,000 in savings by choosing the more affordable city.

For homebuyers: The $25,000 difference in median home prices between Philadelphia and Hartford translates to roughly $1,500 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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