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Philadelphia, PA

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US location · verified

Neighborhood intelligence

Your Philadelphia relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Philadelphia.

Median rent

$1,397/mo

ACS 2024 5-year

Median household income

$61,953

ACS 2024 5-year

Median home value

$243,100

ACS 2024 5-year

Safety score

32/100

FBI CDE

Weather

63°F (H 70° / L 56°)

Open-Meteo

Buying in Philadelphia? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

32/100

FBI CDE

Worth extra due diligence — 150% above average FBI data, 2023–2024

Below Average

Noise Level

39 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 63°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 53 (100 = avg)

Good / Low Pollen

Side-by-side

Compare Philadelphia to other cities

See how Philadelphia stacks up on rent, safety, and weather.

Neighborhood guide

Living in Philadelphia PA

Philadelphia is one of the more affordable options in its region at $1,397/month typical rent. Safety scores 32/100.

Philadelphia has about 1,579,706 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Philadelphia PA Safe?

Philadelphia PA scores 32/100 on safety (well below average). Crime is about 150% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 250 (100 = avg); violent crime index 251; property crime index 248. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Philadelphia PA

School quality varies by neighborhood in Philadelphia. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Philadelphia PA

Typical rent in Philadelphia is about $1,397/month (moderate). At $1,397/month for a typical unit, you need about $50,292+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $243,100.

Median household income is $61,953, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($61,953) clears the $50,292 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Philadelphia PA

Average temperature is about 63°F (highs near 70°F, lows near 56°F).

You can be outside most of the year without extreme gear. Heating and cooling costs are usually moderate compared with hotter or colder metros. If you visit, go in winter or midsummer (not only in spring) to see the extremes.

Who Should Move to Philadelphia PA?

Who tends to thrive in Philadelphia: (1) Renters who want $1,397/month housing without coastal prices (comfort income is about $50,292) (2) Households earning $50,292+ who can clear the 3× rent rule at $1,397/month (3) Movers with a locked job offer in Philadelphia who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 32/100) (2) Households expecting top marks on rent and safety at once (Philadelphia does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $50,292 household income for $1,397/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Moving to Philadelphia requires serious research first. Safety scores 32/100 which is significantly below average. If you have a specific reason to be here that justifies the tradeoff, go in with eyes open on neighborhood selection.

Next steps

Tools for your move

Quotes and listings for Philadelphia when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Philadelphia.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,705

Mortgage + tax + insurance + HOA

Annual property tax

$3,525

Annual est. $5,580

Est. monthly utilities

$421

Climate-adjusted electric, gas & water

Median home price

$243,100

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$219k
2022
$224k
2023
$231k
2024
$237k
2025
$243k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$308/mo vs buying
$1,397ACS 2024 5-year
Rent
$1,705
Buy

Mortgage

$1,229

Property tax

$294

Insurance

$87

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$3,226/yr

2024

1.37%

$3,323/yr

2025

1.41%

$3,422/yr

2026

1.45%

$3,525/yr

Buying in Philadelphia? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

40 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,042/yr

moderate exposure
Wind hazard index53 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 63°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,042.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Philadelphia to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo