Cost of Living: Philadelphia, PA vs Irving, TX (2026)

Philadelphia

Pennsylvania
85
VS

Irving

Texas
102

Philadelphia is 17% cheaper than Irving.

$1,323/mo ↓ 13%
Median Rent
$1,517/mo ↑ 15%
$60,698/yr ↓ 24%
Median Income
$79,641/yr ↑ 31%
$232,400 ↓ 19%
Home Value
$287,300 ↑ 24%
$1,233/mo ↓ 19%
Owner Costs
$1,521/mo ↑ 23%
1,582,432
Population
255,036

Tax Comparison

3.07%
Income Tax
0%
6.0%
State Sales Tax
6.25%
1.49%
Property Tax
1.6%

Affordability

26.2%
rent-to-income
Affordability
22.9%
rent-to-income

Detailed Comparison

When comparing Philadelphia, PA and Irving, TX, the overall cost of living indices are 85 and 102 respectively (national median = 100). Rent is $194/month cheaper in Philadelphia, saving renters about $2,328/year.

Median household income is $18,943/year higher in Irving. Home values also differ significantly — the median in Philadelphia is $232,400 compared to $287,300 in Irving.

Texas has no state income tax, giving Irving residents a significant tax advantage over Pennsylvania's 3.07% rate.

Frequently Asked Questions

Philadelphia vs Irving — common questions

Is Philadelphia or Irving cheaper to live in?
Based on our cost index, Philadelphia is cheaper to live in with an index of 85 compared to 102 (US average = 100).
What is the rent difference between Philadelphia and Irving?
Median rent in Philadelphia is $1,323/month and in Irving it's $1,517/month — a difference of $194/month.
Which city has higher income, Philadelphia or Irving?
Median household income is $60,698 in Philadelphia and $79,641 in Irving. Median household income is $18,943/year higher in Irving.
How do taxes compare between Pennsylvania and Texas?
Pennsylvania has 3.07% income tax, 6.0% sales tax, and 1.49% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Philadelphia or Irving?
It depends on your priorities. Philadelphia has a cost index of 85 with median rent of $1,323/mo, while Irving has a cost index of 102 with rent of $1,517/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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