City comparison
Philadelphia, PA vs San Luis Obispo, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in San Luis Obispo, CA are 5.9% higher than in Philadelphia, PA. Someone earning $100,000 in Philadelphia, PA would need about $105,900 in San Luis Obispo, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,914 a month in San Luis Obispo, CA versus $1,520 in Philadelphia, PA. On $100,000, that's 31% of take-home pay in San Luis Obispo, CA and 24% in Philadelphia, PA.
- On $100,000, estimated state income tax is about $2,000 a year higher in San Luis Obispo, CA than in Philadelphia, PA.
- For federal employees, locality pay changes a GS-13 step 1 salary by +5.8% moving from Philadelphia, PA to San Luis Obispo, CA ($117,284 → $124,085), while prices change by +5.9%. Net effect of the transfer: −0.1% in real buying power.
- Philadelphia, PA: price level 102.6 (pricier)
- San Luis Obispo, CA: price level 108.6 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Philadelphia, PA | San Luis Obispo, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 102.6 | 108.6 |
| $100,000 is worth, in the other city2 | $105,892 in San Luis Obispo | $94,436 in Philadelphia |
| Typical 1-bedroom rent3 | $1,520/mo | $1,914/mo |
| Take-home on $100,00014,15,8 | $76,110 | $74,110 |
| State income tax on $100,000 (estimate)8 | $3,070 (PA) | $5,070 (CA) |
| Rent burden on $100,000 | 24% | 31% |
| Median pay, all jobs4 | $54,310 | $50,770 |
| Federal locality pay area7 | Philadelphia-Reading-Camden, PA-NJ-DE-MD | Los Angeles-Long Beach, CA |
Rent areas: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA and San Luis Obispo-Paso Robles, CA MSA. Metro areas: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD and San Luis Obispo-Paso Robles, CA.
What costs more or less
| Price level (U.S. = 100) | Philadelphia | San Luis Obispo |
|---|---|---|
| Housing (rent) | 113.1 | 144.4 |
| Goods | 96.8 | 105.2 |
| Utilities | 114.4 | 147.8 |
| Other services | 103.1 | 100.3 |
| Overall | 102.6 | 108.6 |
Moving with the same $100,000 salary
Philadelphia, PA → San Luis Obispo, CA
Same pay buys less
Buying power −5.6%; rent takes 31% of take-home; state tax +$2,000/yr.
42 Weak offer
San Luis Obispo, CA → Philadelphia, PA
Same pay goes further
Buying power +5.9%; rent takes 24% of take-home; state tax −$2,000/yr.
87 Strong offer
On the GS pay scale?
Philadelphia, PA is in the Philadelphia-Reading-Camden, PA-NJ-DE-MD pay area; San Luis Obispo, CA is in Los Angeles-Long Beach, CA. The last column shows what a transfer from Philadelphia, PA to San Luis Obispo, CA at the same grade and step does to real buying power.
| Grade5,2 | Philadelphia, PA | San Luis Obispo, CA | Real change, Philadelphia → San Luis Obispo |
|---|---|---|---|
| GS-9 step 1 | $68,013 | $71,957 | −0.1% |
| GS-11 step 1 | $82,289 | $87,061 | −0.1% |
| GS-12 step 1 | $98,630 | $104,349 | −0.1% |
| GS-13 step 1 | $117,284 | $124,085 | −0.1% |
| GS-14 step 1 | $138,595 | $146,632 | −0.1% |
Pay for common jobs
| Median annual pay4 | Philadelphia, PA | San Luis Obispo, CA | San Luis Obispo pay in Philadelphia dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $78,570 | $97,620 | $92,189 (+17.3%) |
| Software Developers | $133,040 | $135,020 | $127,508 (−4.2%) |
| Accountants and Auditors | $85,990 | $88,160 | $83,255 (−3.2%) |
| Registered Nurses | $101,180 | $138,820 | $131,096 (+29.6%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.