Philadelphia PA vs Schenectady NY — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Philadelphia, PA
Pennsylvania · Population: 1,582,432
- Median HH Income$60,698
- Median Home Price$233,814
- Unemployment8.4%
- Bachelor's+34.6%
Schenectady, NY
New York · Population: 28,542
- Median HH Income$100,485
- Median Home Price$321,835
- Unemployment2.3%
- Bachelor's+58.8%
Detailed Comparison
Demographics
Population
Philadelphia
1,582,432
Philadelphia +
Schenectady
28,542
Pop. Density / sq mi
Lower = more space
Philadelphia
N/A
Schenectady
N/A
Median Age
Philadelphia
35.1
Philadelphia +
Schenectady
42.3
Foreign Born
Philadelphia
14.6%
Philadelphia +
Schenectady
6.8%
White
Philadelphia
36.1%
Schenectady
86.7%
Schenectady +
Black
Philadelphia
39.9%
Philadelphia +
Schenectady
3.1%
Asian
Philadelphia
7.8%
Philadelphia +
Schenectady
3.0%
Hispanic
Philadelphia
15.2%
Philadelphia +
Schenectady
4.7%
Spanish at Home
Philadelphia
N/A
Schenectady
N/A
| Metric | Philadelphia, PA | Schenectady, NY | Better |
|---|---|---|---|
| Population | 1,582,432 | 28,542 | Philadelphia + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 35.1 | 42.3 | Philadelphia + |
| Foreign Born | 14.6% | 6.8% | Philadelphia + |
| White | 36.1% | 86.7% | Schenectady + |
| Black | 39.9% | 3.1% | Philadelphia + |
| Asian | 7.8% | 3.0% | Philadelphia + |
| Hispanic | 15.2% | 4.7% | Philadelphia + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Philadelphia
$60,698
Schenectady
$100,485
Schenectady +
Per Capita Income
Philadelphia
$37,669
Schenectady
$62,931
Schenectady +
Per Capita Personal Income (MSA)
BEA MSA-level
Philadelphia
$65,080
Schenectady
$77,425
Schenectady +
Unemployment Rate
Philadelphia
8.4%
Schenectady
2.3%
Schenectady +
Poverty Rate
Philadelphia
22.0%
Schenectady
10.3%
Schenectady +
Bachelor's Degree+
Philadelphia
34.6%
Schenectady
58.8%
Schenectady +
| Metric | Philadelphia, PA | Schenectady, NY | Better |
|---|---|---|---|
| Median HH Income | $60,698 | $100,485 | Schenectady + |
| Per Capita Income | $37,669 | $62,931 | Schenectady + |
| Per Capita Personal Income (MSA)BEA MSA-level | $65,080 | $77,425 | Schenectady + |
| Unemployment Rate | 8.4% | 2.3% | Schenectady + |
| Poverty Rate | 22.0% | 10.3% | Schenectady + |
| Bachelor's Degree+ | 34.6% | 58.8% | Schenectady + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Philadelphia
$233,814
Philadelphia +
Schenectady
$321,835
Homeownership Rate
Philadelphia
52.3%
Schenectady
57.5%
Schenectady +
| Metric | Philadelphia, PA | Schenectady, NY | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $233,814 | $321,835 | Philadelphia + |
| Homeownership Rate | 52.3% | 57.5% | Schenectady + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Philadelphia
319
Philadelphia +
Schenectady
434
Property Crime / 100K
FBI CDE (state-level est.)
Philadelphia
1613
Philadelphia +
Schenectady
1736
| Metric | Philadelphia, PA | Schenectady, NY | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 319 | 434 | Philadelphia + |
| Property Crime / 100KFBI CDE (state-level est.) | 1613 | 1736 | Philadelphia + |
Health
Obesity Rate
CDC PLACES
Philadelphia
N/A
Schenectady
38.6%
Diabetes Rate
CDC PLACES
Philadelphia
N/A
Schenectady
12.3%
Poor Mental Health
CDC PLACES — 14+ days/month
Philadelphia
N/A
Schenectady
19.2%
No Health Insurance
CDC PLACES
Philadelphia
N/A
Schenectady
9.7%
Binge Drinking
CDC PLACES
Philadelphia
N/A
Schenectady
15.2%
Current Smokers
CDC PLACES
Philadelphia
N/A
Schenectady
16.9%
| Metric | Philadelphia, PA | Schenectady, NY | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | N/A | 38.6% | - |
| Diabetes RateCDC PLACES | N/A | 12.3% | - |
| Poor Mental HealthCDC PLACES — 14+ days/month | N/A | 19.2% | - |
| No Health InsuranceCDC PLACES | N/A | 9.7% | - |
| Binge DrinkingCDC PLACES | N/A | 15.2% | - |
| Current SmokersCDC PLACES | N/A | 16.9% | - |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Philadelphia
57.1°F
Schenectady
N/A
Annual Precipitation
NOAA 1991–2020 normal
Philadelphia
48.5 in
Schenectady
N/A
| Metric | Philadelphia, PA | Schenectady, NY | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 57.1°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 48.5 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Philadelphia
9.8 µg/m³
Schenectady
8.1 µg/m³
Schenectady +
Good Air Days
AQI ≤ 50
Philadelphia
55.0%
Schenectady
75.0%
Schenectady +
| Metric | Philadelphia, PA | Schenectady, NY | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.8 µg/m³ | 8.1 µg/m³ | Schenectady + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Schenectady + |
Commute
Mean Commute Time
Census ACS
Philadelphia
34.5 min
Schenectady
26.2 min
Schenectady +
| Metric | Philadelphia, PA | Schenectady, NY | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 34.5 min | 26.2 min | Schenectady + |
Which City is Right for You?
Schenectady leads in median household income at $100,485, while philadelphia offers more affordable housing with a median home price of $233,814. On public safety, Philadelphia is safer with a violent crime rate of 319 per 100,000 residents, compared to 434 in Schenectady. Schenectady has a lower unemployment rate at 2.3%, and Schenectady has cleaner air (PM2.5 avg 8.1 µg/m³).
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