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Mohamed Oun
Philadelphia
#42 of 124
North America

Philadelphia

PA, United States

Salary & Cost of Living

View purchasing power ranking

How do salaries and expenses in Philadelphia compare to San Francisco?

Purchasing Power Comparison

An engineer in Philadelphia is 31% worse off vs in San Francisco

This shows how far a software engineer's salary goes in Philadelphia compared to San Francisco, taking into account both salary differences and cost of living.

Median Salary
$128,000
-$147K (-53%) vs San Francisco
Based on 696 data points from levels.fyi
Net Salary
$86,848
-$87K (-50%) vs San Francisco
Tax Rate: 32%

Community Insights

New
7.1/10

Philadelphia is a strong “quality-of-life arbitrage” city for software engineers: it offers big-city amenities, walkability, food, music, sports, history, and relatively attainable housing at a cost level that many Redditors contrast favorably with Boston, New York, and other coastal metros. The city data supports that: its housing affordability and purchasing power are among its biggest advantages compared with many tech cities.

The Reddit sentiment is unusually affectionate but realistic. Many residents say they love Philly despite its flaws, and several describe missing it badly after leaving. People especially praise the neighborhood feel, unpretentious locals, food scene, and the ability to live car-free without feeling trapped. The city seems particularly attractive to people in their 20s and 30s who want urban life without NYC/Boston prices.

For software engineers, the career picture is more mixed. Local compensation is good by national standards, but Redditors warn that the local tech market is thinner than in larger hubs. Comcast comes up constantly, along with SIG, Vanguard, SAP, GoPuff, healthcare/insurance, consulting, and defense-related employers. If you want the highest tech compensation, locals suggest pairing Philly’s lower cost of living with a remote role from a stronger tech market.

The main cautions are safety, taxes, and city dysfunction. Residents push back hard against fearmongering from suburban commenters, saying that many neighborhoods are fun and livable, but they also stress that neighborhood choice matters a lot. The data’s safety ranking is poor, and Reddit comments mention crime concerns, car break-ins, weaker schools, trash, and infrastructure problems. Philly is very livable for the right person, but it is not frictionless or polished.

Living Environment

Weather•Safety•Pollution•Events

A quick look at climate, safety, pollution, and tech community compared to San Francisco.

Rankings

Home Affordability

Top 10%

#12

of 124 cities

≈2.7 yrs to buy 80m²

Current value

Community Events

Top 16%

#20

of 124 cities

21 events on luma

Current value

Net Income

Top 25%

#31

of 124 cities

$86,848/yr

Current value

Housing Affordability

View affordability ranking

How affordable is housing for a software engineer in Philadelphia compared to San Francisco?

Avg. Property Price
$2,983 / m²
70% cheaper than San Francisco
View detailed property prices on Numbeo

Salary Converter

Enter your annual gross salary (before taxes) to see what you would need to earn in Philadelphia to maintain the same standard of living.

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Cost of Living
28% cheaper than San Francisco
View detailed cost breakdown on Numbeo

Top Paying Companies in Philadelphia

Susquehanna International Group logo
Susquehanna International Group
Capital One logo
Capital One
Vanguard logo
Vanguard

The Good

  • Much more affordable than Boston, NYC, and many coastal tech cities: residents love that middle-class professionals can rent or even buy in walkable neighborhoods with big-city amenities.
  • Great lifestyle for 20s–30s professionals: Redditors praise the bars, restaurants, music, arts, sports culture, history, diversity, and “tons to do.”
  • Car-free living is genuinely doable: locals advise newcomers to try going carless, especially near the Broad Street Line, trolleys, or regional rail, because driving and parking can be a headache.
  • Strong neighborhood feel and unpretentious people: residents repeatedly describe Philadelphians as sincere, helpful when it matters, welcoming neighbors, and less status-obsessed than in some other cities.
  • Excellent regional location: people love being within easy reach of the shore, mountains, New York, DC, and other Northeast cities.
  • Solid but not spectacular SWE opportunity base: Comcast is frequently mentioned as hiring, with additional options like SIG, Vanguard, SAP, GoPuff, defense, healthcare, insurance, consulting, and remote roles.

The Bad

  • Weaker local tech market than major hubs: Redditors repeatedly say Philly is “tough” for CS unless you’re at Comcast, SIG, Vanguard, SAP, consulting, healthcare/insurance, or a remote-first company.
  • Top compensation often requires remote work: locals describe mid-level Philly pay as solid but say big-tech-level base salaries are hard to get from local employers.
  • Safety varies sharply by neighborhood: residents push back on “dystopian hellscape” narratives, but crime, car break-ins, gunshots in some areas, and a low safety ranking are real concerns when choosing where to live.

Moving Here

Hard

For a foreign software engineer, the hardest part is not Philadelphia itself but U.S. immigration. The U.S. has no true digital-nomad visa, and most long-term moves require employer sponsorship such as H-1B, L-1, O-1, TN for eligible Canadians/Mexicans, or a student-to-OPT route. H-1B sponsorship can be competitive and lottery-based, and smaller local employers may be less willing to sponsor than major tech firms.

Once authorized to work, day-to-day adjustment is relatively manageable: English is the working and social language, Philly has universities, hospitals, international students, and a decent expat/transplant population. Culturally, Redditors describe the city as direct, neighborly, and not overly pretentious, but newcomers should research neighborhoods carefully and visit in person before signing a lease.

Who Is This City For?

Best for software engineers who want big-city culture, walkability, relative housing affordability, and access to East Coast cities while using either a solid local employer or remote tech job. Avoid it if you need a deep big-tech job market, very high local compensation, pristine infrastructure, low crime, or an easy U.S. immigration path.

Updated 6/24/2026

Weather5.6/10-36% vs San Francisco
Safety35-12%
Pollution48-3%
Events21-66%
5.6/10TechCities weather score vs 8.7/10 in San Francisco

0–10 composite (higher is better) combining temperature comfort, sunshine hours, rainy-day count, and humid days. See methodology for weighting and data sources.

Weather snapshot

Average High
18°C(vs 19°C in San Francisco)
Average Low
9°C(vs 12°C in San Francisco)
Sunshine Hours
2,498h/yr-563h/yr(-18%)
Hottest Month High
30°C(vs 22°C in San Francisco)
Coldest Month Low
-3°C(vs 8°C in San Francisco)
Rainy Days
96/yr+47/yr(+97%)

Community & Quality

Philadelphia community pulse

Philadelphia has 21 Luma events listed.

66% fewer events than San Francisco.

Comfortable Weather

Top 31%

#39

of 124 cities

56/100 weather score

Current value

Purchasing Power

Middle of the pack

#42

of 124 cities

Pollution Score

Middle of the pack

#62

of 124 cities

47.7/100

Current value (lower is better)

Tax Rate

Middle of the pack

#69

of 124 cities

32%

Current value (lower is better)

Cost of Living

Bottom 20%

#100

of 124 cities

65/100

Current value (lower is better)

Safety Index

Bottom 9%

#114

of 124 cities

34.6/100

Current value

SWE Affordability
2.7 years
1.8 years quicker than San Francisco
City taxes reduce take-home pay: commenters specifically warn newcomers not to forget the Philadelphia wage tax on top of state and federal taxes.
  • Infrastructure and public services frustrate people: Redditors mention poor schools, weak tax base, trash/garbage issues, and uneven neighborhood conditions.
  • Family-friendly housing can be harder than expected: people warn that a large rental in a safe neighborhood with a yard is not as cheap or easy as outsiders may assume.
  • Muggy Days
    51/yr+51/yr(+25550%)
    Cloud Cover
    46%(vs 34% in San Francisco)