Salary needed
A $50,000 salary in Monmouth County, NJ would need to be about $40,310 in Philadelphia County, PA, or $9,690 less, to match the modeled cost ratio.
Monmouth County, NJ vs Philadelphia County, PA: Cost of Living Difference
Is it cheaper?
Philadelphia County, PA is cheaper than Monmouth County, NJ.
Moving to Philadelphia County, PA is estimated to save $11,775 per year.
Cheaper County
Philadelphia County, PASave about $11,775 per year.Salary needed
$50,000 in Monmouth County, NJ is about $40,310 in Philadelphia County, PA.
Biggest drivers
No measured category is higher in Philadelphia County, PA. Transport saves $3,348 per year.
Housing: $2,725 lower in Philadelphia County, PA
Taxes: $2,801 lower in Philadelphia County, PA
Childcare: about the same in both counties
Healthcare: $1,692 lower in Philadelphia County, PA
Food: $277 lower in Philadelphia County, PA
Transport: $3,348 lower in Philadelphia County, PA
Monmouth County, NJ→Philadelphia County, PA
Equivalent salary in Philadelphia County, PA
$40,310
-19.38% lower
Current salary: $50,000
Household: 1 adult · 0 children
Median Income in Monmouth County, NJ: $155,779
Median Income in Philadelphia County, PA: $71,024
Living Index in Monmouth County, NJ 39.00%
Living Index in Philadelphia County, PA 68.96%
This estimate matches your purchasing power (equivalent salary) when moving from Monmouth County, NJ to Philadelphia County, PA.
* Living index is estimated as (estimated total cost / area median income) * 100. A living index above 100% means modeled costs exceed median income.
Cost of Living Breakdown by Category
Summary
Moving from Monmouth County, NJ to Philadelphia County, PA is estimated to save $11,775 per year. A $50,000 salary in Monmouth County, NJ would have similar purchasing power to about $40,310 in Philadelphia County, PA. The largest savings come from transport and taxes.
This is a -19.38% decrease in modeled annual costs. Transport is $3,348 per year lower (-25.54%); Taxes is $2,801 per year lower (-23.24%).
Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.
Why this comparison matters
These notes use the actual annual cost differences between Monmouth County, NJ and Philadelphia County, PA, so the page highlights the budget tradeoffs behind the total.
Affordability vs median income
Modeled annual costs equal about 39.0% of median family income in Monmouth County, NJ and 69.0% in Philadelphia County, PA. This matters because a cheaper county can still feel tight if typical local incomes are also lower.
Housing
Housing is $2,725 per year lower in Philadelphia County, PA than in Monmouth County, NJ. Housing usually behaves like a fixed monthly commitment, so this matters most for renters or buyers checking whether Philadelphia County, PA changes their baseline budget.
Food
Food is $277 per year lower in Philadelphia County, PA than in Monmouth County, NJ. Food costs affect weekly cash flow, so even a smaller annual gap in Philadelphia County, PA can show up quickly for households that cook most meals at home.
Transportation
Transportation is $3,348 per year lower in Philadelphia County, PA than in Monmouth County, NJ. Transportation matters for commuters because driving distance, vehicle costs, and transit access can change how much of a salary is left after getting around Philadelphia County, PA.
Healthcare
Healthcare is $1,692 per year lower in Philadelphia County, PA than in Monmouth County, NJ. Healthcare differences are useful for planning premiums and out-of-pocket exposure, especially if Philadelphia County, PA changes provider networks or plan options.
Other necessities
Other necessities is $932 per year lower in Philadelphia County, PA than in Monmouth County, NJ. Other necessities cover everyday basics, so changes in Philadelphia County, PA help explain the non-housing costs that can quietly add up month after month.
Childcare
Childcare is about the same in Monmouth County, NJ and Philadelphia County, PA, so this category is not a major driver of the modeled gap. Childcare is most important for households with children; in Philadelphia County, PA, this line can swing the result even when housing or taxes look manageable.
Taxes
Taxes is $2,801 per year lower in Philadelphia County, PA than in Monmouth County, NJ. Taxes affect take-home pay, so the gap in Philadelphia County, PA matters even if the headline salary looks similar before deductions.
What changed the most?
The following cards show the annual category differences that most affect the move to Philadelphia County, PA.
Biggest Cost
Largest annual cost increase when moving to Philadelphia County, PA
Annual Increase:
No increase
No measured category is higher in Philadelphia County, PA.
Biggest Savings
Largest annual savings when moving to Philadelphia County, PA
Annual Savings:
$3,348 per year
TRANSPORT has the largest annual savings when moving to Philadelphia County, PA.
Breakdown of price percentages per category.
Numbers are average costs per section.
| Category | Difference | |
|---|---|---|
| Housing | -15% lower | |
| Food | -6% lower | |
| Transport | -26% lower | |
| Healthcare | -30% lower | |
| Other Costs | -13% lower | |
| Childcare | 0% higher | |
| Taxes | -23% lower |
In Philadelphia County, PA, modeled annual costs are $48,976 compared with $60,751 in Monmouth County, NJ.
Overall, annual costs are lower in Philadelphia County, PA. The category breakdown above shows where the move creates the most room in the budget.
In this case Philadelphia County, PA and Monmouth County, NJ are both metropolitan locations.
Use our map to visually compare multiple counties at once.
