The average income for a person in Philadelphia is $46,100. ( datausa.io › profile › geo › philadelphia-pa ) I would consider that to be lower class in Philadelphia. Housing and taxes can be really high in my city. People also have to pay for food and if they have kids, that’s more money that they need to spend. Kids cost a lot of money, you have to buy food , a lot of clothing, essential needs, day care, and etc. People also have bills , could even be in debt from multiple different things. So, $46,000 would not be good enough for a Philadelphia resident.