Cost of Living: Philadelphia, PA vs Miami Gardens, FL (2026)

Philadelphia

Pennsylvania
85
VS

Miami Gardens

Florida
115

Philadelphia is 26% cheaper than Miami Gardens.

$1,323/mo ↓ 23%
Median Rent
$1,709/mo ↑ 29%
$60,698/yr ≈ Same
Median Income
$60,979/yr ≈ Same
$232,400 ↓ 31%
Home Value
$337,200 ↑ 45%
$1,233/mo ↓ 25%
Owner Costs
$1,640/mo ↑ 33%
1,582,432
Population
111,264

Tax Comparison

3.07%
Income Tax
0%
6.0%
State Sales Tax
6.0%
1.49%
Property Tax
0.86%

Affordability

26.2%
rent-to-income
Affordability
33.6%
rent-to-income

Detailed Comparison

When comparing Philadelphia, PA and Miami Gardens, FL, the overall cost of living indices are 85 and 115 respectively (national median = 100). Rent is $386/month cheaper in Philadelphia, saving renters about $4,632/year.

Median household income is $281/year higher in Miami Gardens. Home values also differ significantly — the median in Philadelphia is $232,400 compared to $337,200 in Miami Gardens.

Florida has no state income tax, giving Miami Gardens residents a significant tax advantage over Pennsylvania's 3.07% rate.

Frequently Asked Questions

Philadelphia vs Miami Gardens — common questions

Is Philadelphia or Miami Gardens cheaper to live in?
Based on our cost index, Philadelphia is cheaper to live in with an index of 85 compared to 115 (US average = 100).
What is the rent difference between Philadelphia and Miami Gardens?
Median rent in Philadelphia is $1,323/month and in Miami Gardens it's $1,709/month — a difference of $386/month.
Which city has higher income, Philadelphia or Miami Gardens?
Median household income is $60,698 in Philadelphia and $60,979 in Miami Gardens. Median household income is $281/year higher in Miami Gardens.
How do taxes compare between Pennsylvania and Florida?
Pennsylvania has 3.07% income tax, 6.0% sales tax, and 1.49% property tax. Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax.
Should I move to Philadelphia or Miami Gardens?
It depends on your priorities. Philadelphia has a cost index of 85 with median rent of $1,323/mo, while Miami Gardens has a cost index of 115 with rent of $1,709/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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More Comparisons

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