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Living in Pennsylvania · 2026

Is $48,000 enough to live in Pennsylvania?

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

Statewide verdict:Comfortable

Monthly take-home

$3,267

Avg monthly expenses

$2,211

Avg monthly surplus

$1,056

Savings potential

~32%

After-tax take-home in Pennsylvania

Gross salary$48,000
Federal income tax− $3,654
State income tax− $1,474
Social Security− $2,976
Medicare− $696
Annual take-home$39,200
Effective tax rate18.33%

How $48,000 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

Manageable
Rent (1BR)
$1,800
Food
$519
Transport
$233
Utilities
$219
Healthcare
$266
Total: $3,037/mo
Surplus: $230/mo
Rent burden: 55.1% — Unaffordable (> 50%)
Full Philadelphia analysis →

Pittsburgh

COL index: 1.08× national avg

Comfortable
Rent (1BR)
$1,300
Food
$440
Transport
$189
Utilities
$178
Healthcare
$216
Total: $2,323/mo
Surplus: $944/mo
Rent burden: 39.8% — High (35–50%)
Full Pittsburgh analysis →

Allentown

COL index: 1.03× national avg

Comfortable
Rent (1BR)
$1,300
Food
$449
Transport
$180
Utilities
$170
Healthcare
$206
Total: $2,305/mo
Surplus: $962/mo
Rent burden: 39.8% — High (35–50%)
Full Allentown analysis →

Erie

COL index: 0.85× national avg

Comfortable
Rent (1BR)
$950
Food
$387
Transport
$149
Utilities
$140
Healthcare
$170
Total: $1,796/mo
Surplus: $1,471/mo
Rent burden: 29.1% — Manageable (25–35%)
Full Erie analysis →

Reading

COL index: 0.93× national avg

Comfortable
Rent (1BR)
$1,100
Food
$405
Transport
$163
Utilities
$153
Healthcare
$186
Total: $2,007/mo
Surplus: $1,260/mo
Rent burden: 33.7% — Manageable (25–35%)
Full Reading analysis →

Scranton

COL index: 0.85× national avg

Comfortable
Rent (1BR)
$950
Food
$387
Transport
$149
Utilities
$140
Healthcare
$170
Total: $1,796/mo
Surplus: $1,471/mo
Rent burden: 29.1% — Manageable (25–35%)
Full Scranton analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $3,267 ($39,204/yr)

Needs 50%Wants 30%Savings 20%
Needs50%

$1,634

per month

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

$980

per month

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

$653

per month

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

Needs / year

$19,602

Wants / year

$11,761

Savings / year

$7,841

Salary Intelligence

Financial pressure in Philadelphia

Rent alone would take 55% 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: 2.4/10 (Difficult)

Lifestyle Assessment

A $48,000 salary can cover essential living costs for a single adult in Philadelphia, Pennsylvania, but leaves little room for savings (~7% of take-home). Lifestyle is rated difficult, with careful budgeting required to avoid month-to-month shortfalls.

Purchasing Power

Philadelphia's above-average cost of living (index: 1.33) means $48,000 provides the purchasing power of roughly $36,090 in an average-cost US city, or $42,586 in Austin. Moving to a lower-cost state could effectively increase your take-home by thousands.

State & National Benchmark

$48,000 is slightly above the Pennsylvania individual median of $43,300 (+11%). The state household median is $74,660.

State individual median

$43,300

+11%

State household median

$74,660

-36%

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)

$48,000 vs. Pennsylvania income benchmarks

Individual median (Pennsylvania)

$43,300

+11% vs. this salary

Household median (Pennsylvania)

$74,660

-36% 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.