Moving from Trenton, NJ to Philadelphia, PA-NJ-DE-MD
About 6,493 people made this move in a typical year (Census Bureau metro-to-metro migration flows, ACS 5-year 2016-2020), and 3,731 go the other way. Here is what the move does to two households’ budgets after 2026 taxes — and the salary each needs in Philadelphia, PA-NJ-DE-MD.
Single, $70k: line by line
Single adult earning $70,000, renting. Same gross pay in both places; renting at HUD Fair Market Rent (1 bedroom). Taxes take 21.0% of income in Trenton, NJ and 23.9% in Philadelphia, PA-NJ-DE-MD.
Trenton, NJ Philadelphia, PA-NJ-DE-MD (monthly)
| Monthly | Trenton, NJ | Philadelphia, PA-NJ-DE-MD | Difference |
|---|---|---|---|
| Gross income | $5,833 | $5,833 | $0 |
| Taxes | $1,227 | $1,395 | +$167 |
| Federal income tax2026 tax law | $548 | $548 | $0 |
| Social Security + Medicare2026 tax law | $446 | $446 | $0 |
| State income tax2026 tax law | $193 | $179 | −$14 |
| Unemployment Insurance (UI) – employee (private employer)2026 tax law | $14 | $0 | −$14 |
| Disability Insurance / Temporary Disability (DI/TDI) – employee2026 tax law | $11 | $0 | −$11 |
| Workforce Development / Supplemental Workforce Fund (WF/SWF) – employee2026 tax law | $2 | $0 | −$2 |
| Family Leave Insurance (FLI) – employee2026 tax law | $13 | $0 | −$13 |
| Unemployment Compensation (UC) – employee2026 tax law | $0 | $4 | +$4 |
| Local income tax2026 tax law · Mandatory local income tax for residents of Philadelphia. | $0 | $218 | +$218 |
| Take-home pay | $4,606 | $4,439 | −$167 |
| Housing | $1,764 | $1,558 | −$206 |
| Rent, 1-bedroomHUD FMR FY2027 · 40th-percentile gross rent, includes tenant-paid utilities | $1,764 | $1,558 | −$206 |
| Food | $440 | $427 | −$13 |
| Food at home (USDA Moderate-Cost plan)USDA food plans August 2026 · US cost × RPP goods 96.8 | $440 | $427 | −$13 |
| Transportation | $175 | $175 | $0 |
| GasolineEIA electricity 2025, natural gas 2024, gasoline week ending 2026-10-05 · 12,000 mi ÷ 25 mpg × $4.36/gal (Central Atlantic (PADD)) | $175 | $175 | $0 |
| Sales tax | $33 | $29 | −$4 |
| State sales taxState revenue dept. 2026-10-13 · 6% on other goods; groceries exempt — local add-ons not modeled | $33 | $29 | −$4 |
| Other goods & services | $989 | $999 | +$11 |
| Other goods (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP goods 96.8 | $499 | $484 | −$15 |
| Other services (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP other services 103.1 | $490 | $515 | +$26 |
| Left over after modeled costs | $1,206 | $1,251 | +$45 |
Family of four, $120k: line by line
Two adults, a preschooler and a school-age child, $120,000 combined, renting. Same gross pay in both places; renting at HUD Fair Market Rent (2 bedrooms), center-based childcare in current dollars. Taxes take 16.1% of income in Trenton, NJ and 19.2% in Philadelphia, PA-NJ-DE-MD.
Trenton, NJ Philadelphia, PA-NJ-DE-MD (monthly)
| Monthly | Trenton, NJ | Philadelphia, PA-NJ-DE-MD | Difference |
|---|---|---|---|
| Gross income | $10,000 | $10,000 | $0 |
| Taxes | $1,607 | $1,923 | +$316 |
| Federal income tax2026 tax law · after $4,400 Child Tax Credit | $470 | $470 | $0 |
| Social Security + Medicare2026 tax law | $765 | $765 | $0 |
| State income tax2026 tax law | $298 | $307 | +$9 |
| Unemployment Insurance (UI) – employee (private employer)2026 tax law | $29 | $0 | −$29 |
| Disability Insurance / Temporary Disability (DI/TDI) – employee2026 tax law | $19 | $0 | −$19 |
| Workforce Development / Supplemental Workforce Fund (WF/SWF) – employee2026 tax law | $3 | $0 | −$3 |
| Family Leave Insurance (FLI) – employee2026 tax law | $23 | $0 | −$23 |
| Unemployment Compensation (UC) – employee2026 tax law | $0 | $7 | +$7 |
| Local income tax2026 tax law · Mandatory local income tax for residents of Philadelphia. | $0 | $374 | +$374 |
| Take-home pay | $8,393 | $8,078 | −$316 |
| Housing | $2,242 | $1,860 | −$382 |
| Rent, 2-bedroomHUD FMR FY2027 · 40th-percentile gross rent, includes tenant-paid utilities | $2,242 | $1,860 | −$382 |
| Childcare | $2,303 | $2,047 | −$256 |
| Childcare, center-basedDOL NDCP 2022 / DOL NDCP 2020 · preschool $195/wk, school-age $170/wk (2020 prices, Philadelphia County, PA); × 1.2945 BLS CPI day care, 2020 to 2026-08; Philadelphia County, PA has no 2022 NDCP price; the latest published year, 2020, is used | $2,303 | $2,047 | −$256 |
| Food | $1,280 | $1,242 | −$38 |
| Food at home (USDA Moderate-Cost plan)USDA food plans August 2026 · US cost × RPP goods 96.8 | $1,280 | $1,242 | −$38 |
| Transportation | $349 | $349 | $0 |
| GasolineEIA electricity 2025, natural gas 2024, gasoline week ending 2026-10-05 · 24,000 mi ÷ 25 mpg × $4.36/gal (Central Atlantic (PADD)) | $349 | $349 | $0 |
| Sales tax | $33 | $29 | −$4 |
| State sales taxState revenue dept. 2026-10-13 · 6% on other goods; groceries exempt — local add-ons not modeled | $33 | $29 | −$4 |
| Other goods & services | $989 | $999 | +$11 |
| Other goods (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP goods 96.8 | $499 | $484 | −$15 |
| Other services (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP other services 103.1 | $490 | $515 | +$26 |
| Left over after modeled costs | $1,197 | $1,551 | +$353 |
Trenton, NJ vs Philadelphia, PA-NJ-DE-MD at a glance
| Measure | Trenton, NJ | Philadelphia, PA-NJ-DE-MD |
|---|---|---|
| Price level (BEA RPP, US = 100) | 103.2 | 102.6 |
| Housing price level | 135.1 | 113.1 |
| 1-bedroom Fair Market Rent | $1,764 | $1,558 |
| 2-bedroom Fair Market Rent | $2,242 | $1,860 |
| 3-bedroom Fair Market Rent | $2,741 | $2,216 |
| Median home value | $377,700 | $351,900 |
| Effective property-tax rate | 2.36% | 1.44% |
| Median household income | $100,645 | $91,289 |
| Center infant care / week (DOL NDCP 2022 unless noted) | $294 | $235 (2020 price) |
| State income tax on wages | Yes | Yes |
| Mandatory local income tax (principal city) | None in our data | Philadelphia |
| State sales tax | 6.625% | 6% |
| Regular gasoline | $4.36 | $4.36 |
| Average electric bill (state) | $151 | $162 |
Sources: BEA RPP 2024; HUD FMR FY2027; Census ACS 2020-2024; DOL NDCP 2022; 2026 tax law; state revenue departments; EIA (electricity 2025, natural gas 2024, gasoline week ending 2026-10-05).
Frequently asked questions
How much do I need to make in Philadelphia, PA-NJ-DE-MD to keep my Trenton, NJ lifestyle?+
For a single renter earning $70,000 in Trenton, NJ, about $69,153 in Philadelphia, PA-NJ-DE-MD (−1.2%). For two adults with a preschooler and a school-age child on $120,000, about $114,234. Both keep the same money left over after 2026 taxes, rent, childcare, food, fuel and other modeled costs.
Is Philadelphia, PA-NJ-DE-MD cheaper than Trenton, NJ?+
On BEA’s 2024 price index, Philadelphia, PA-NJ-DE-MD is at 102.6 and Trenton, NJ at 103.2 (US = 100). After taxes and household costs, a single renter on $70,000 would have +$45 a month in Philadelphia, PA-NJ-DE-MD.
How many people move from Trenton, NJ to Philadelphia, PA-NJ-DE-MD?+
About 6,493 people a year (±1,034), according to the Census Bureau’s metro-to-metro migration flows (ACS 5-year 2016-2020); about 3,731 move the other way.
What isn’t included?+
Moving costs, health insurance, car payments and insurance, local sales tax add-ons and differences in wages between the two metros. Add known monthly costs in the calculator’s “Fixed costs / month” field.