Compare / Philadelphia to San Antonio
Philadelphia, PA vs San Antonio, TX
Simple answer
You'd likely save $419 a month in San Antonio.
This is the HUD 2-bedroom fair-market rent for October 2026 through September 2027. It is not your lease.
The largest cost gap in this pair is Fair Market Rent. The 2-bedroom Fair Market Rent gap is $419: Philadelphia is higher at $1,860 versus $1,441.
Pennsylvania taxes wages at a flat 3.07%. Texas has no tax on wages. Combined sales tax differs by 1.9 percentage points, higher in Texas. The effective property tax gap is 0.15 percentage points, higher in Texas.
After a move from Pennsylvania to Texas, these benefit results change for a family of four at $40,000 and a single adult at $18,000: Marketplace premium tax credits, Medicaid and CHIP.
A $75,000 salary in Philadelphia lines up with about $69,268 in San Antonio on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.
Philadelphia
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
- 2-bedroom Fair Market Rent
- $1,860
- HUD area
- Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA
- Census median gross rent
- $1,567
- All-items price parity
- 102.6
- Goods price parity
- 96.8
- Utilities price parity
- 114.4
- Mean commute
- 29.7 min
- Median household income
- $90,850
San Antonio
San Antonio-New Braunfels, TX
- 2-bedroom Fair Market Rent
- $1,441
- HUD area
- San Antonio-New Braunfels, TX HUD Metro FMR Area
- Census median gross rent
- $1,422
- All-items price parity
- 94.7
- Goods price parity
- 93.8
- Utilities price parity
- 82.2
- Mean commute
- 27.6 min
- Median household income
- $78,112
Equivalent salary
The first number keeps the same place in the national price level. The second also runs 2026 federal income tax, employee Social Security and Medicare, and a simplified state income tax. Groceries use the BEA goods price parity, not a grocery receipt.
$69,268
Salary in San Antonio that matches the 2024 all-items regional price parity.
$64,583
Gross salary in San Antonio whose after-tax pay buys the same basket, using price parities.
$58,105
Scales the salary by the ratio of HUD 2-bedroom Fair Market Rents. Rent is not the whole budget.
Taxes on the two sides of the move
| Tax | Pennsylvania | Texas |
|---|---|---|
| State income tax on wages | 3.07% flat | No wage tax |
| Combined sales tax, Jan 1, 2026 | 6.3% | 8.2% |
| Effective property tax, ACS 2024 median / median | 1.16% | 1.31% |
On a $400,000 home, the state median effective rate implies about $4,631 a year in Pennsylvania and $5,246 in Texas. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.
Benefits if you land in Texas
Same household, $40,000 a year, scored once in Pennsylvania and once in Texas. This is an illustration, not your application.
Food stamps (SNAP)
PhiladelphiaLikely eligible
San AntonioLikely eligible
Medicaid and CHIP
PhiladelphiaLikely eligible
San AntonioLikely eligible
WIC
PhiladelphiaLikely eligible
San AntonioLikely eligible
School meals
PhiladelphiaLikely eligible
San AntonioLikely eligible
LIHEAP
PhiladelphiaMaybe
San AntonioMaybe
Earned Income Tax Credit
PhiladelphiaLikely eligible
San AntonioLikely eligible
Child Tax Credit
PhiladelphiaLikely eligible
San AntonioLikely eligible
Marketplace premium tax credits
PhiladelphiaUnlikely
San AntonioLikely eligible
Lifeline phone and internet
PhiladelphiaLikely eligible
San AntonioLikely eligible
SSI
PhiladelphiaUnlikely
San AntonioUnlikely
| Program | Philadelphia | San Antonio |
|---|---|---|
| Food stamps (SNAP) | Likely eligible | Likely eligible |
| Medicaid and CHIP | Likely eligible | Likely eligible |
| WIC | Likely eligible | Likely eligible |
| School meals | Likely eligible | Likely eligible |
| LIHEAP | Maybe | Maybe |
| Earned Income Tax Credit | Likely eligible | Likely eligible |
| Child Tax Credit | Likely eligible | Likely eligible |
| Marketplace premium tax credits | Unlikely | Likely eligible |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
Marketplace premium tax credits changes. In Philadelphia the result is “Unlikely — Medicaid is the closer program.” In San Antonio it is “Likely inside the 2026 subsidy range.” Pennsylvania expanded Medicaid, and this income is in the Medicaid range. Marketplace subsidies are usually not the program in that case.
Related comparisons
From Philadelphia
The eight largest 2-bedroom Fair Market Rent gaps from Philadelphia.
- Philadelphia and San Francisco · rent gap $1,837
- Philadelphia and San Jose · rent gap $1,412
- Philadelphia and Boston · rent gap $1,148
- Philadelphia and New York · rent gap $1,111
- Philadelphia and Los Angeles · rent gap $1,104
- Philadelphia and San Diego · rent gap $963
- Philadelphia and McAllen · rent gap $843
- Philadelphia and Wichita · rent gap $817
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.