City comparison
McAllen, TX vs Philadelphia, PA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Philadelphia, PA are 19.4% higher than in McAllen, TX. Someone earning $100,000 in McAllen, TX would need about $119,400 in Philadelphia, PA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,520 a month in Philadelphia, PA versus $847 in McAllen, TX. On $100,000, that's 24% of take-home pay in Philadelphia, PA and 13% in McAllen, TX.
- On $100,000, estimated state income tax is about $3,070 a year higher in Philadelphia, PA than in McAllen, TX.
- For federal employees, locality pay changes a GS-13 step 1 salary by +10.2% moving from McAllen, TX to Philadelphia, PA ($106,437 → $117,284), while prices change by +19.4%. Net effect of the transfer: −7.7% in real buying power.
- McAllen, TX: price level 85.9 (much cheaper)
- Philadelphia, PA: price level 102.6 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| McAllen, TX | Philadelphia, PA | |
|---|---|---|
| Price level (U.S. = 100)2 | 85.9 | 102.6 |
| $100,000 is worth, in the other city2 | $119,395 in Philadelphia | $83,756 in McAllen |
| Typical 1-bedroom rent3 | $847/mo | $1,520/mo |
| Take-home on $100,00014,15,8 | $79,180 | $76,110 |
| State income tax on $100,000 (estimate)8 | $0 (TX) | $3,070 (PA) |
| Rent burden on $100,000 | 13% | 24% |
| Median pay, all jobs4 | $35,830 | $54,310 |
| Federal locality pay area7 | Rest of U.S. | Philadelphia-Reading-Camden, PA-NJ-DE-MD |
Rent areas: McAllen-Edinburg-Mission, TX MSA and Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA. Metro areas: McAllen-Edinburg-Mission, TX and Philadelphia-Camden-Wilmington, PA-NJ-DE-MD.
What costs more or less
| Price level (U.S. = 100) | McAllen | Philadelphia |
|---|---|---|
| Housing (rent) | 55.9 | 113.1 |
| Goods | 93.8 | 96.8 |
| Utilities | 81.2 | 114.4 |
| Other services | 96.2 | 103.1 |
| Overall | 85.9 | 102.6 |
Moving with the same $100,000 salary
McAllen, TX → Philadelphia, PA
Same pay buys less
Buying power −16.2%; rent takes 24% of take-home; state tax +$3,070/yr.
38 Weak offer
Philadelphia, PA → McAllen, TX
Same pay goes further
Buying power +19.4%; rent takes 13% of take-home; state tax −$3,070/yr.
100 Strong offer
On the GS pay scale?
McAllen, TX is in the Rest of U.S. pay area; Philadelphia, PA is in Philadelphia-Reading-Camden, PA-NJ-DE-MD. The last column shows what a transfer from McAllen, TX to Philadelphia, PA at the same grade and step does to real buying power.
| Grade5,2 | McAllen, TX | Philadelphia, PA | Real change, McAllen → Philadelphia |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $68,013 | −7.7% |
| GS-11 step 1 | $74,678 | $82,289 | −7.7% |
| GS-12 step 1 | $89,508 | $98,630 | −7.7% |
| GS-13 step 1 | $106,437 | $117,284 | −7.7% |
| GS-14 step 1 | $125,776 | $138,595 | −7.7% |
Pay for common jobs
| Median annual pay4 | McAllen, TX | Philadelphia, PA | Philadelphia pay in McAllen dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,110 | $78,570 | $65,807 (+4.3%) |
| Software Developers | $116,120 | $133,040 | $111,429 (−4.0%) |
| Accountants and Auditors | $64,470 | $85,990 | $72,022 (+11.7%) |
| Registered Nurses | $80,540 | $101,180 | $84,744 (+5.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.