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Living in Pennsylvania · 2026

Is $24,000 enough to live in Pennsylvania?

Single adult · PA · 2026 tax brackets · Real cost-of-living data

Statewide verdict:Very tight

Monthly take-home

$1,715

Avg monthly expenses

$2,211

Avg monthly surplus

$-496

Savings potential

~0%

After-tax take-home in Pennsylvania

Gross salary$24,000
Federal income tax− $850
State income tax− $737
Social Security− $1,488
Medicare− $348
Annual take-home$20,577
Effective tax rate14.26%

How $24,000 feels in Pennsylvania cities

Rent: HUD FMR 2026 · Food: USDA Low-Cost Plan × COL · Transport/Utilities/Healthcare: BLS CES × COL

Philadelphia

COL index: 1.33× national avg

Not recommended
Rent (1BR)
$1,800
Food
$519
Transport
$233
Utilities
$219
Healthcare
$266
Total: $3,037/mo
Surplus: $-1,322/mo
Rent burden: 105.0% — Unaffordable (> 50%)
Full Philadelphia analysis →

Pittsburgh

COL index: 1.08× national avg

Not recommended
Rent (1BR)
$1,300
Food
$440
Transport
$189
Utilities
$178
Healthcare
$216
Total: $2,323/mo
Surplus: $-608/mo
Rent burden: 75.8% — Unaffordable (> 50%)
Full Pittsburgh analysis →

Allentown

COL index: 1.03× national avg

Not recommended
Rent (1BR)
$1,300
Food
$449
Transport
$180
Utilities
$170
Healthcare
$206
Total: $2,305/mo
Surplus: $-590/mo
Rent burden: 75.8% — Unaffordable (> 50%)
Full Allentown analysis →

Erie

COL index: 0.85× national avg

Very tight
Rent (1BR)
$950
Food
$387
Transport
$149
Utilities
$140
Healthcare
$170
Total: $1,796/mo
Surplus: $-81/mo
Rent burden: 55.4% — Unaffordable (> 50%)
Full Erie analysis →

Reading

COL index: 0.93× national avg

Very tight
Rent (1BR)
$1,100
Food
$405
Transport
$163
Utilities
$153
Healthcare
$186
Total: $2,007/mo
Surplus: $-292/mo
Rent burden: 64.1% — Unaffordable (> 50%)
Full Reading analysis →

Scranton

COL index: 0.85× national avg

Very tight
Rent (1BR)
$950
Food
$387
Transport
$149
Utilities
$140
Healthcare
$170
Total: $1,796/mo
Surplus: $-81/mo
Rent burden: 55.4% — Unaffordable (> 50%)
Full Scranton analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $1,715 ($20,580/yr)

Needs 50%Wants 30%Savings 20%
Needs50%

$858

per month

  • ›Rent / mortgage
  • ›Groceries
  • ›Utilities
  • ›Insurance
  • ›Minimum debt payments
  • ›Transportation
Wants30%

$515

per month

  • ›Dining out
  • ›Streaming services
  • ›Gym
  • ›Hobbies
  • ›Travel
  • ›Shopping
Savings20%

$343

per month

  • ›Emergency fund
  • ›401(k) / IRA
  • ›Investments
  • ›Down payment fund
  • ›Debt payoff (extra)

Needs / year

$10,290

Wants / year

$6,174

Savings / year

$4,116

Salary Intelligence

Financial pressure in Philadelphia

Rent alone would take 105% of take-home income. This salary creates significant financial pressure in this city — a $72,000 annual income or lower rent is needed to reach affordability.

Lifestyle score: 1.3/10 (Difficult)

Lifestyle Assessment

A $24,000 salary does not fully cover typical living expenses for a single adult in Philadelphia, Pennsylvania. Monthly costs exceed take-home pay by $1,322, indicating this income is insufficient for an independent lifestyle here without additional income or reduced spending.

Purchasing Power

Philadelphia's above-average cost of living (index: 1.33) means $24,000 provides the purchasing power of roughly $18,045 in an average-cost US city, or $21,293 in Austin. Moving to a lower-cost state could effectively increase your take-home by thousands.

State & National Benchmark

$24,000 is 45% below the Pennsylvania individual median of $43,300. Consider negotiating a higher salary or exploring higher-paying roles in this state.

State individual median

$43,300

-45%

State household median

$74,660

-68%

Tax reduction strategies

Maximize 401(k) Contributions — Up to $5,170 in federal tax (22% bracket)
Contribute to a Traditional IRA — Up to $1,540 in federal tax (22% bracket)

$24,000 vs. Pennsylvania income benchmarks

Individual median (Pennsylvania)

$43,300

-45% vs. this salary

Household median (Pennsylvania)

$74,660

-68% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Pennsylvania

$40,000$60,000$100,000$150,000$200,000$300,000
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Reviewed by

Finance Editor

CPA, 10+ years in personal finance

Data Sources

Data updated monthly using government datasets.