Is $64,000 a good salary in Pennsylvania?

$64,000 in Pennsylvania provides a monthly take-home of approximately $4,297 after taxes. Across major Pennsylvania cities, this salary is rated very comfortable, with an average monthly surplus of $2,086.

What is the cost of living on $64,000 in Pennsylvania?

The average monthly living cost across major Pennsylvania cities is approximately $2,211 for a single adult (rent, food, transport, utilities, healthcare). On $64,000 take-home pay of $4,297/month, you would have roughly $2,086/month remaining.

Living in Pennsylvania · 2026

Is $64,000 enough to live in Pennsylvania?

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

Statewide verdict:Very comfortable

Monthly take-home

$4,297

Avg monthly expenses

$2,211

Avg monthly surplus

$2,086

Savings potential

~49%

After-tax take-home in Pennsylvania

Gross salary$64,000

Federal income tax− $5,574

State income tax− $1,965

Social Security− $3,968

Medicare− $928

Annual take-home$51,565

Effective tax rate19.43%

How $64,000 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

Comfortable

Rent (1BR)

$1,800

Food

$519

Transport

$233

Utilities

$219

Healthcare

$266

Total: $3,037/mo

Surplus: $1,260/mo

Rent burden: 41.9% — High (35–50%)

Full Philadelphia analysis →

Pittsburgh

COL index: 1.08× national avg

Very comfortable

Rent (1BR)

$1,300

Food

$440

Transport

$189

Utilities

$178

Healthcare

$216

Total: $2,323/mo

Surplus: $1,974/mo

Rent burden: 30.3% — Manageable (25–35%)

Full Pittsburgh analysis →

Allentown

COL index: 1.03× national avg

Very comfortable

Rent (1BR)

$1,300

Food

$449

Transport

$180

Utilities

$170

Healthcare

$206

Total: $2,305/mo

Surplus: $1,992/mo

Rent burden: 30.3% — Manageable (25–35%)

Full Allentown analysis →

Erie

COL index: 0.85× national avg

Very comfortable

Rent (1BR)

$950

Food

$387

Transport

$149

Utilities

$140

Healthcare

$170

Total: $1,796/mo

Surplus: $2,501/mo

Rent burden: 22.1% — Affordable (< 25%)

Full Erie analysis →

Reading

COL index: 0.93× national avg

Very comfortable

Rent (1BR)

$1,100

Food

$405

Transport

$163

Utilities

$153

Healthcare

$186

Total: $2,007/mo

Surplus: $2,290/mo

Rent burden: 25.6% — Manageable (25–35%)

Full Reading analysis →

Scranton

COL index: 0.85× national avg

Very comfortable

Rent (1BR)

$950

Food

$387

Transport

$149

Utilities

$140

Healthcare

$170

Total: $1,796/mo

Surplus: $2,501/mo

Rent burden: 22.1% — Affordable (< 25%)

Full Scranton analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $4,297 ($51,564/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$2,149

per month

›Rent / mortgage
›Groceries
›Utilities
›Insurance
›Minimum debt payments
›Transportation

Wants30%

$1,289

per month

›Dining out
›Streaming services
›Gym
›Hobbies
›Travel
›Shopping

Savings20%

$859

per month

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

Needs / year

$25,782

Wants / year

$15,469

Savings / year

$10,313

Salary Intelligence

Below comfortable level in Philadelphia

Rent would consume 42% of take-home income — above the 35% stress threshold. A higher salary or lower-cost housing is needed for financial stability in this city.

Lifestyle score: 5.5/10 (Good)

Lifestyle Assessment

A $64,000 salary comfortably supports a good single lifestyle in Philadelphia, Pennsylvania, with approximately $1,260/month (~29% of take-home) available for savings — meeting or exceeding the recommended 20% savings rate.

Purchasing Power

Philadelphia's above-average cost of living (index: 1.33) means $64,000 provides the purchasing power of roughly $48,120 in an average-cost US city, or $56,782 in Austin. Moving to a lower-cost state could effectively increase your take-home by thousands.

State & National Benchmark

$64,000 is 48% above the Pennsylvania individual median ($43,300) and 14% above the US national median of $56,000.

State individual median

$43,300

+48%

State household median

$74,660

-14%

Tax reduction strategies

Maximize 401(k) Contributions — Up to $5,170 in federal tax (22% bracket)

401(k) Age 50+ Catch-Up Contribution — Up to $2,775 additional tax savings (37% bracket)

$64,000 vs. Pennsylvania income benchmarks

Individual median (Pennsylvania)

$43,300

+48% vs. this salary

Household median (Pennsylvania)

$74,660

-14% 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

Reviewed by

Finance Editor

CPA, 10+ years in personal finance

Data Sources

•Tax calculations: IRS federal tax tables
•Rent data: HUD Fair Market Rents
•Cost-of-living index: C2ER / ACCRA Cost of Living Index

Data updated monthly using government datasets.