What does WatchPennies calculate?

WatchPennies estimates cost of living by US county across housing, food, transportation, healthcare, childcare, other necessities, taxes, and income context.

Do I need an account to use WatchPennies?

No. WatchPennies is a privacy-first web calculator that can be used without creating an account.

Can I compare two counties on WatchPennies?

Yes. WatchPennies lets you compare counties and adjust salary and family type to estimate relative cost differences.

Can I change the salary and family type?

Yes. The comparison calculator supports salary and family type inputs so you can model costs for different households.

Does WatchPennies require an account for comparisons?

No. County comparisons are available without creating an account.

Philadelphia County, PA vs Hennepin County, MN: Cost of Living Difference

Is it cheaper?

Philadelphia County, PA is cheaper than Hennepin County, MN.

Moving to Hennepin County, MN is estimated to cost $2,813 more per year.

Cheaper County

Philadelphia County, PASpend $2,813 more per year.

Salary needed

$50,000 in Philadelphia County, PA is about $52,870 in Hennepin County, MN.

Biggest drivers

Transport increases by $1,627 per year. Housing saves $320 per year.

Housing: $320 lower in Hennepin County, MN

Taxes: $513 higher in Hennepin County, MN

Childcare: about the same in both counties

Healthcare: $368 higher in Hennepin County, MN

Food: $554 higher in Hennepin County, MN

Transport: $1,627 higher in Hennepin County, MN

Philadelphia County, PA→Hennepin County, MN

Equivalent salary in Hennepin County, MN

$52,870

+5.74% higher

Current salary: $50,000

Household: 1 adult · 0 children

Median Income in Philadelphia County, PA: $71,024

Median Income in Hennepin County, MN: $131,862

Living Index in Philadelphia County, PA 68.96%

Living Index in Hennepin County, MN 39.28%

This estimate matches your purchasing power (equivalent salary) when moving from Philadelphia County, PA to Hennepin County, MN.

* 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 Philadelphia County, PA to Hennepin County, MN is estimated to cost $2,813 more per year. To maintain similar purchasing power, a $50,000 salary in Philadelphia County, PA would need to be about $52,870 in Hennepin County, MN. The biggest increase is transport, followed by food.

This is a 5.74% increase in modeled annual costs. Transport is $1,627 per year higher (16.67%); Food is $554 per year higher (12.13%).

Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.

What changed the most?

The following cards show the annual category differences that most affect the move to Hennepin County, MN.

Biggest Cost

Largest annual cost increase when moving to Hennepin County, MN

Annual Increase:

$1,627 per year

TRANSPORT has the largest annual increase when moving to Hennepin County, MN.

Biggest Savings

Largest annual savings when moving to Hennepin County, MN

Annual Savings:

$320 per year

HOUSING has the largest annual savings when moving to Hennepin County, MN.

Breakdown of price percentages per category.

Numbers are average costs per section.

Category	Difference
Housing	-2.09% lower
Philadelphia County, PA Hennepin County, MN Average Cost $15326.00 $15006.00 INFO: Housing costs are based on Department of Housing and Urban Development data. The estimate uses 40th percentile rent for privately owned rental units in each area. Studio apartments are paired with one-adult households, one-bedroom apartments with two-adult households, and two-bedroom apartments with households that have children.
Food	12.13% higher
Philadelphia County, PA Hennepin County, MN Average Cost $4569.00 $5123.00 INFO: Food costs are based on the U.S. Department of Agriculture's food plans. Numbers are normalized to each area using Feeding America and Meal Gap data. This estimate assumes most food is bought at local grocery stores and prepared at home.
Transport	16.67% higher
Philadelphia County, PA Hennepin County, MN Average Cost $9761.00 $11388.00 INFO: Transportation costs are a combination of auto ownership, auto use, and public transit. Data is collected from the Center for Neighborhood Technology (CNT).
Healthcare	9.47% higher
Philadelphia County, PA Hennepin County, MN Average Cost $3888.00 $4256.00 INFO: Healthcare expenses come from average insurance premiums and out-of-pocket costs. The estimate assumes families purchase the lowest-cost available insurance plan under the Affordable Care Act. Data comes from Kaiser Family Foundation and the U.S. Department of Health and Human Services (HHS).
Other Costs	1.17% higher
Philadelphia County, PA Hennepin County, MN Average Cost $6177.00 $6249.00 INFO: This cost is calculated through the average spending of categories deemed necessary by the Bureau of Labor Statistics Consumer Expenditure Survey. These include apparel, personal care, household supplies, reading materials, and school supplies.
Childcare	0.00% higher
Philadelphia County, PA Hennepin County, MN Average Cost $0.00 $0.00 INFO: Childcare expenses are based on combined costs for center-based care and family-based care for 4-year-olds and school-aged children. For households with one child, the estimate assumes the child is 4 years old. For households with two children, the estimate assumes the second child is 8 years old.
Taxes	5.54% higher
Philadelphia County, PA Hennepin County, MN Average Cost $9254.00 $9767.00 INFO: Taxes are calculated from the National Bureau of Economic Research. The number weighs in personal income tax, state income tax, federal Social Security, and Medicare taxes.

In Hennepin County, MN, modeled annual costs are $51,789 compared with $48,976 in Philadelphia County, PA.

Overall, annual costs are higher in Hennepin County, MN. The category breakdown above shows whether housing, taxes, transportation, healthcare, food, childcare, or other necessities are driving the increase.

In this case Hennepin County, MN and Philadelphia County, PA are both metropolitan locations.

Use our map to visually compare multiple counties at once.

Use the Cost of Living Map