The Bureau of Labor Statistics projects employment in the field of social work to grow 7% by 2033, 4% higher than the average growth rate of occupations. In the state of Pennsylvania, the field is protected to grow at a rate of 11%. Several factors impacting the population contribute to the increasing need for social workers in Pennsylvania. According to the Census Bureau, 20% of Pennsylvania’s population is aged 65 or older, highlighting the importance of support for the aging population. With 20.2% of the population under the age of 18 and 39,093 children involved in child protective services in 2022, the state relies on social workers to support the child welfare system. 12% of the population lives below the poverty line, and 14.7% of the population lives with a disability. Feeding America reports that 11.9% of the population in Pennsylvania experiences food insecurity. Both are populations that social workers can aid in accessing resources such as mental health support, housing, and healthcare services.
- Carlow University - Master of Social Work: Direct Practice - Prepare for a career in clinical social work and practice directly with clients in a variety of settings. Our program offers advanced standing for those with a BSW and readies you to sit for licensure. Visit School's Website
- University of Kentucky offers its Online Master of Social Work: Advanced Standing Program available. MSW program includes options for an advanced-standing program (30 credits) and a 60-credit regular standing program. Visit School's Website
- Arizona State University - Online offers the respected CSWE-accredited Master of Social Work online. ASU Online knows today’s MSW students need remote learning options with no compromises. That’s why you’ll find the same professors, field work requirements, and internship placement assistance that ASU provides on campus. Visit School's Website
The mental health concerns that the population of Pennsylvania is facing require support from qualified social workers. According to the NAMI fact sheet, 39.8% of Pennsylvania adults experienced anxiety or depression symptoms in 2021. SAMSHA’s 2019 Health Barometer reports that 8.1% of adults in Pennsylvania struggle with a mental illness, an increase in prevalence over the past decade. 598,000 people with concerns were unable to access mental healthcare in 2021. 98,000 children aged 12 to 17 reported symptoms of depression, and over half of them did not receive care for their symptoms. For social workers to best support the Pennsylvania population and their mental health concerns, a Master’s in Social Work could be a valuable asset to further expertise and skill set.
Issues Facing Social Workers
Social workers in Pennsylvania face challenges in supporting vulnerable communities, such as the homeless population, people with severe mental health concerns, and those struggling with substance use. NAMI reports that in 2021, there were 13,375 unhoused people in Pennsylvania. A quarter of those unhoused struggle with a serious mental illness. In 2021, 416,000 adults experienced thoughts of suicide, and in 2020, 2,014 lives were lost to suicide in Pennsylvania. The SAMSHA Health Barometer of 2019 reports that 66,629 people in Pennsylvania accessed substance use treatment. 23,351 people accessed Medication-Assisted Therapy (MAT) such as Methadone. SAMSHA also reports an increase in marijuana use in people over the age of 12. Vulnerable populations such as these require dedicated and knowledgeable social workers to assist them in navigating challenging life circumstances and the appropriate resources to support them.
Meeting the needs of these populations can put a strain on social workers practicing in Pennsylvania. With a growing need for mental health and substance use services, high caseloads and burnout can be a challenge for social workers as they strive to create positive change for the communities they serve. Social workers also face challenges such as limited resources, complex policies, and systemic barriers that impede the ability to provide care to clients.
Pennsylvania Social Work Schools and MSW Programs
There are 21 graduate social work programs in Pennsylvania. They are offered at a variety of institutions, including private universities, an Ivy League university, and public universities affiliated with the Pennsylvania State System of Higher Education. At all 21 MSW programs, GRE scores are not required for admission, although some schools may request GRE scores for applicants who have a GPA below 3.0.
Carlow University
- Pittsburgh, PA
- 2-3 years
- Online + Campus
Location: private university in Pittsburgh, Pennsylvania
Modality: on-campus and online
Length:
- Full-time: 2 years
- Part-time: 3 years
- Advanced Standing: 18 months full-time, 2 years part-time
Cost: $650 per course credit
Program Overview:
Carlow University’s trauma-informed MSW program consists of 60 course credits (39 credits for the advanced standing program) and 900 field practice hours. Carlow University offers specializations in direct practice, macro practice, and a school social work post-graduate certificate. They also offer a dual degree program to simultaneously complete an MBA with an MSW degree.
Kutztown University
- Kutztown, PA
- 3-4 years
- Campus
Location: public university in Kutztown, Pennsylvania
Modality: on-campus
Length:
- Full-time: 2 years
- Part-time: 3 to 4 years
- Advanced Standing: 1 year full-time, 2 years part-time
Cost: $516 per course credit for in-state residents, $774 for non-residents
Program Overview:
Kutztown University’s MSW program emphasizes the needs of a family within its environment. Their advanced generalist program consists of 60 credits (39 credits for the advanced standing program) and 900 field practice hours. Kutztown University also offers a graduate certificate in School Social Work.
La Salle University
- Philadelphia, PA
- 3-4 years
- Campus
Modality: on-campus
Length:
- Full-time: 2 years
- Part-time: 3 to 4 years
- Advanced Standing: 1 year full-time, 2 years part-time
Cost: $910 per course credit
Program Overview:
The MSW program at La Salle University aims to build skills with a person-in-environment perspective. La Salle’s MSW program focuses on a trauma-informed advanced generalist track. The program spans 60 course credits (30 credits for the advanced standing program) and 900 field practice hours.
Millersville University of Pennsylvania and Shippensburg University Collaborative
- Multiple locations
- 2-4 years
- Online + Campus
Location: partnership between two public universities: Millersville University in Millersville, Pennsylvania, and Shippensburg University in Shippensburg, Pennsylvania
Modality: on-campus and online
Length:
- Full-time: 2 years
- Part-time: 4 years
- Advanced Standing: 1 year full-time, 2 years part-time
Cost: $516 per course credit for in-state residents, $774 for non-residents, $526 for online programs
Program Overview:
Millersville University of Pennsylvania and Shippensburg University Collaborative is a joint program where students can access resources and learn from the faculty of both institutions. Their advanced generalist program consists of 60 course credits (36 credits for the advanced standing program) and 900 field practice hours. They also offer several dual degree options, as well as several post-graduate certificate options.
Slippery Rock University
- Slippery Rock, PA
- 2-3 years
- Online + Campus
Locations: public university in Slippery Rock, Pennsylvania
Modality: on-campus and online
Length:
- Full-time: 2 years
- Part-time: 3 years
- Advanced Standing: 1 year full-time, 2 years part-time
Cost: $516 per course credit for in-state residents, $568 for non-residents
Program Overview:
Slippery Rock University’s MSW program consists of 60 course credits (39 credits for the advanced standing program) and 1000 field practice hours. Their program focuses on a specialization in advanced clinical practice with children, adults, and families. All MSW graduates from Slippery Rock University earn a Cognitive Behavioral Certificate by completing the program. The program also offers an animal-assisted social work graduate certificate.
West Chester University
- Multiple locations
- 3-4 years
- Campus
Location: public university in West Chester, Pennsylvania, MSW program is offered at West Chester campus and Philadelphia campus
Modality: on-campus
Length:
- Full-time: 2 years
- Part-time: 3 to 4 years
- Advanced Standing: 1 year full-time, 2 years part-time
Cost: $568 per course credit for in-state residents, $851 for non-residents
Program Overview:
West Chester University’s social work program is tied with several other schools as US News’s #95 ranked social work program in the country. Their advanced generalist MSW program consists of 60 course credits (36 credits for the advanced standing program) and 952 field practice hours. They offer Gerontology and School Social Work graduate certificates and options to complete certificate programs from other departments.
Widener University
- Cheter, PA
- 2-3 years
- Online + Campus
Location: private university in Cheter, PA
Modality: on-campus and online
Length:
- Full-time: 2 years
- Part-time: 3 years
- Advanced Standing: 1 year full-time, 2 years part-time
Cost: $1000 per course credit
Program Overview:
Widener University’s MSW program consists of 57 course credits, 36 credits for the advanced standing program, and 60 credits for the School Social Work specialization. MSW students will also gain experience through 1000 field practice hours. Widener University offers a dual degree to complete an MSW and PhD in Social Work, and a dual degree option to complete either a Med or Phd in Human Sexuality Studies along with an MSW. There is also a trauma recovery graduate certificate offered.
CSWE Accredited Pennsylvania Masters in Social Work Programs
Many social work schools are accredited by the Council of Social Work Education (CSWE). Nearly all states require accreditation to gain licensure, an important step for social workers looking to step into a clinical role. Some employers may require an MSW degree from a CSWE-accredited school to meet professional roles and responsibilities. Accreditation ensures an education aligned with the National Association of Social Work’s Code of Ethics, establishes professional standards, and upholds the integrity of the profession.
In Pennsylvania, 17 out of 21 MSW programs are CSWE-accredited. Messiah University and Pennsylvania State University’s MSW programs are not currently CSWE-accredited. Moravian University and Saint Joseph’s University’s MSW programs are currently in the candidacy stage of accreditation, with goals to be accredited in the next two years.
Advanced Standing MSW Programs in Pennsylvania
For social workers who have earned their BSW and are interested in faster career advancement, some social work schools may offer an advanced standing program to complete their MSW at an accelerated pace. Advanced standing programs can be cost-effective as they can decrease the amount of time taken to complete an MSW degree by 1 to 2 years. Below are MSW programs in Pennsylvania that can be completed in under 2 years.
Alvernia University
- Multiple locations
- 2-3 years
- Online + Campus
Location: private university with multiple locations, MSW program is offered at Reading campus and Elkins Park campus
Modality: on-campus and online
Length:
- Full-time: 2 years
- Part-time: 3 years
- Advanced Standing: 1 year
Cost: $516 per course credit
Program Overview:
Alvernia University’s Master of Social Work program focuses on clinical practice in behavioral health. They have a rolling admissions process, with class lengths between 7 and 13 weeks. The MSW program consists of 60 credits for the traditional program and 33 credits for the advanced standing program. The university’s Social Work Club offers a community that participates in annual initiatives to serve the community.
Bryn Mawr College
- Mawr, PA
- 2-3 years
- Campus
Location: private university in Bryn Mawr, Pennsylvania
Modality: on-campus
Length:
- Full-time: 2 years
- Part-time: 3 years
- Advanced Standing: 12 to 16 months
Cost: $5420 per course
Program Overview:
Bryn Mawr’s Master of Social Service (MSS) is the equivalent of an MSW in terms of degree and licensure. The MSS program has 19 courses (11 courses for the advanced standing program) and 4 semesters of field placement internships. Bryn Mawr offers Clinical Social Work Practice and Community, Organizations, Policy, and Advocacy specializations. They offer the option to complete dual degrees in their MSS program and a Master of Public Health. According to US News, Bryn Mawr’s MSW program is tied with several schools as the #36 ranked social work program.
Commonwealth University of Pennsylvania
- Multiple locations
- 3-4 years
- Campus
Location: public university with multiple locations, MSW program is offered at Bloomsburg campus
Modality: on-campus
Length:
- Full-time: 2 years
- Part-time: 3 to 4 years
- Advanced Standing: 1 year
Cost: $322 per course credit for in-state residents, $805 for non-residents
Program Overview:
Commonwealth University of Pennsylvania’s MSW program aims to advocate and empower the most oppressed communities. Their advanced generalist curriculum consists of 60 course credits (36 credits for the advanced standing program) and 900 field practice hours. The social work clubs on campus provide further community to its students.
Marywood University
- Scranton, PA
- 2-3 years
- Online + Campus
Location: private university in Scranton, Pennsylvania, offers MSW program at Scranton campus and the Lehigh Valley remote campus
Modality: on-campus and online
Length:
- Full-time: 2 years
- Part-time: 3 years
- Advanced Standing: 1 year
Cost: $650 per course credit
Program Overview:
Marywood University’s advanced generalist MSW program consists of 60 credits (39 credits for the advanced standing program) and 920 field practice hours. The program offers weekend classes to ensure flexibility. Marywood’s MSW program also offers a home and school visitor certification, as well as dual degrees to complete an MSW with a Master of Nonprofit Leadership, Master of Health Services Administration, or Master of Divinity.
Temple University
- Multiple locations
- 3-4 years
- Online + Campus
Location: public institution with multiple locations, MSW program offered on Main campus and City Center campus in Philadelphia, Pennsylvania
Modality: on-campus and online part-time
Length:
- Full-time: 2 years
- Part-time: 3 to 4 years
- Advanced Standing: 12 months full-time, 18 months part-time
Cost: $1105 per course credit for in-state residents, $1518 for non-residents, $1138 for online programs
Program Overview:
Temple University is tied with several other schools as US News’s #43 ranked social work program in the country. Their MSW program is completed over 60 course credits (34.5 credits for the advanced standing program) and 1050 field practice hours. The program offers concentrations in both clinical and macro practice and offers a dual degree option to complete an MSW and a Master of Public Health simultaneously.
University of Pennsylvania
- Philadelphia, PA
- 2-3 years
- Campus
Location: private university in Philadelphia, Pennsylvania
Modality: on-campus
Length:
- Full-time: 2 years
- Part-time: 3 years
- Advanced Standing: 10 months
Cost: cost-per-credit information not available, tuition information can be found on the University of Pennsylvania’s website
Program Overview:
The University of Pennsylvania is an Ivy League university founded by Benjamin Franklin. Their social work program is tied with several other schools as US News’s 8th best social work program in the country. The program consists of 19 courses (14 courses for the advanced standing program) with over 500 field practice placement options. They offer 13 dual degree options as well as 9 graduate certificate options.
University of Pittsburgh
- Pittsburgh, PA
- 3-4 years
- Online + Campus
Location: state-related university in Pittsburgh, Pennsylvania, also offers MSW program part-time at Bradford and Johnstown campuses
Modality: on-campus and online part-time
Length:
- Full-time: 2 years
- Part-time: 3 to 4 years
- Advanced Standing: 12 to 16 months
- Online: 3.5 years
Cost: $776 per course credit for in-state residents, $1360 for non-residents, $1170 for online programs
Program Overview:
University of Pittsburgh is tied with several other schools as the #12 ranked social work program according to US News. They offer direct practice and COSA (Community, Organization, and Social Action) specializations. Their program consists of 60 course credits (39 for the advanced standing program) and 1080 field practice hours, with over 500 field practice placement options. The University of Pittsburgh also offers several graduate certificate options and dual degree options.
Online MSW Programs in Pennsylvania
Several MSW programs in Pennsylvania offer an online option to allow further flexibility for social workers working towards their Master’s degree. Below are some social work schools offering exclusively online MSW programs in Pennsylvania. Please note that while classes may be offered online, field practice hours must be completed at an in-person placement.
Eastern University
- St. Davids, PA
- 3-4 years
- Online
Location: private university in St. Davids, Pennsylvania
Modality: online
Length:
- Full-time: 2 years
- Part-time: 3 to 4 years
- Advanced Standing: 1 year
Cost: $450 per course credit
Program Overview:
Eastern University is affiliated with American Baptist Churches, USA. Its advanced generalist curriculum highlights ethics and justice from a Christian perspective. Eastern University’s MSW program consists of 60 credits (30 credits for the advanced standing program) and 1000 field practice hours.
Lancaster Bible College
- Lancaster, PA
- 2-3 years
- Online
Location: private college in Lancaster, Pennsylvania
Modality: online
Length:
- Full-time: 2 years
- Part-time: 2.5 to 3 years
- Advanced Standing: 1 year full-time, 1.5 years part-time
Cost: $480 per course credit full-time, $565 per course credit part-time
Program Overview:
Lancaster Bible College offers a social work program with a biblical worldview. The MSW program is completed through 60 course credits (33 credits for the advanced standing program) and 900 field practice hours. Courses are 16 weeks long, and the program offers Clinical Social Work and Advanced Child and Family specializations.
Messiah University
- Mechanicsburg, PA
- 3-4 years
- Online
Location: private university in Mechanicsburg, Pennsylvania
Modality: online
Length:
- Full-time: 2 years
- Part-time: 3 to 4 years
- Advanced Standing: 1 year
Cost: $780 per course credit
Program Overview:
Messiah University’s MSW program consists of 61 course credits (30 credits for the advanced standing program) and 900 field practice hours. Their advanced generalist program offers focus areas in health, leadership in organization, and mental health. Messiah University is in the pre-candidacy state of CSWE-accredidation, with full accreditation projected for 2027. In the meantime, the program is offering tuition discounts as it moves toward accreditation.
Moravian University
- Bethlehem, PA
- 2-4 years
- Online
Location: private university in Bethlehem, Pennsylvania
Modality: online
Length:
- Full-time: 2 years
- Part-time: 4 years
- Advanced Standing: 1 year full-time, 2 years part-time
Cost: cost-per-credit information is not available, tuition information can be found on Moravian University’s website
Program Overview:
Established in the fall of 2023, Moravian University’s MSW program has candidacy status with the CSWE and hopes to be accredited within 2 years. Moravian University’s MSW program is a blend of online classes and 4 weekend residencies per semester. The program offers healing-centered clinical and macro tracks and consists of 60 credits (30 credits for the advanced standing program) and 900 field practice hours.
Pennsylvania State University
- State College, PA
- 2 years
- Online
Location: public university in State College, Pennsylvania
Modality: online
Length: full-time program completed in 2 years, can be extended for part-time options
Cost: $1027 per course credit
Program Overview:
Pennsylvania State University’s MSW program is in the pre-candidacy state of CSWE-accredidation. The program emphasizes cultural competence and offers Children and Families and Mental Health and Substance Use specializations. Pennsylvania State University’s MSW program consists of 60 course credits and 900 field practice hours.
Pennsylvania Western University
- Multiple locations
- 2-3 years
- Online
Location: public university with multiple locations in Pennsylvania
Modality: online
Length:
- Full-time: 2 years, can be extended for part-time students
- Advanced Standing: 1 year, can be extended for part-time students
Cost: $516 per course credit for in-state residents, $526 for non-residents
Program Overview:
Pennsylvania Western University offers a 100% asynchronous MSW program with a trauma-informed advanced generalist perspective. The MSW program is completed over 60 course credits (33 for the advanced standing program) and 900 field practice hours. Pennsylvania Western University also offers a dual degree program to complete an MBA alongside an MSW degree.
Saint Joseph’s University
- Philadelphia, PA
- 3-4 years
- Online
Location: private university in Philadelphia, Pennsylvania
Modality: online
Length:
- Full-time: 2 years
- Part-time: 3 to 4 years
- Advanced Standing: 1 year full-time, 2 years part-time
Cost: $879 per course credit
Program Overview:
Saint Joseph’s University’s MSW program is aiming for accreditation in the next 2 years. Their advanced generalist program consists of 62 course credits (31 credits for the advanced standing program) and 900 field practice hours. Saint Joseph’s University prides itself on reducing costs for its students, offering a textbook-free MSW program, and making department resources free for all students.
FAQs for Aspiring Pennsylvania Social Workers
What can I do with an MSW degree in Pennsylvania?
Social workers have diverse opportunities across various settings and with various populations. Examples of settings social workers can work in include outpatient and community mental health settings, healthcare and substance use settings, legal settings, schools, and child welfare. Social workers may specialize in clinical practice, as well as macro settings to focus on policy and social work on the organizational level. The population of Pennsylvania requires services to support them in areas such as elder and child welfare, clinical mental health and substance use treatment. Social workers with an MSW degree in Pennsylvania can not only work to improve the lives of those in need on a direct care level but on a systemic level as well.
Which Pennsylvania school of social work has the best MSW program?
Pennsylvania is home to 5 of US News’s best social work programs in the country. University of Pennsylvania is ranked the highest as US News’s #8 ranked program. University of Pittsburgh is the next highest ranked at #12, and Bryn Mawr College is ranked #36. Temple University is ranked #43, and finally West Chester University is ranked #95.
How much does an MSW in Pennsylvania cost?
Schools also offer a range of financial support options, such as financial aid and grants. The length of time spent completing an MSW program, as well as the modality of completion (online or on-campus), can also impact the cost of completing a master’s in Social Work. Cost per credit hour from MSW programs with tuition information available range from $322 to $1518. Schools also offer a range of financial support options, such as financial aid and grants.
How much does a social worker in Pennsylvania make?
Salaries for social workers with an MSW degree in Pennsylvania will vary based on licensure, levels of experience, setting, and whether social workers are practicing in an urban or more rural area. According to Ziprecruiter, the average social worker salary in Pennsylvania is $76,449, which is on par with the national average. The average salary for licensed social workers is $94,384, which is also on par with the national average.
According to Career One Stop, healthcare social workers in Pennsylvania make a median salary of $62,200, on par with the national average. Mental health and substance use social workers in Pennsylvania make a median salary of $45,700, and child, family, and school social workers make a median salary of $50,140. Although these two median salaries fall below the national average for social work, SoFi indicates that they are sufficient for Pennsylvania’s cost of living. The affordable cost of living combined with opportunities for growth within the field can result in a fulfilling and well-earning salary for social workers.
What is the ROI of getting an MSW in Pennsylvania?
The return on investment for getting an MSW in Pennsylvania is contingent on several factors. A master’s in Social Work offers career flexibility to work across various settings with diverse populations. Advancement opportunities in a social work career include obtaining a clinical license, positions in leadership or supervision, private practice, or teaching as a professor. Social work also offers fulfillment for those who want to work in direct care with oppressed and marginalized communities, have a passion for social justice, and make a difference in the community.
A full-time MSW degree in Pennsylvania can range from approximately $30,000 to $125,000, with factors like online and advanced standing programs impacting price. The average social worker salary in Pennsylvania averaged at about $76,449. Using the Investopedia return on investment formula, a lower-cost MSW program provides an excellent return of investment. A more expensive program can still be a good return on investment based on the growing job market and career flexibility, but programs with costs surpassing 100,000 may not be as strong of an investment. Accessing financial aid and in-state tuition can assist with lowering the cost of a social work graduate program. Some jobs may offer student loan forgiveness as well.
How long does it take to become a social worker in Pennsylvania?
Social work master’s programs in Pennsylvania offer options to complete an MSW degree in several different timeframes. A traditional full-time track at most social work graduate programs in Pennsylvania can be completed in 2 years. Graduate programs also offer part-time programs that can be completed between 3 to 4 years on average. Most MSW programs in Pennsylvania also offer advanced standing programs, where social workers with a BSW degree can accelerate their graduate studies and complete their degree faster, typically within 10 to 18 months.
Pennsylvania Licensure and Professional Development Resources
- https://www.aswb.org/licenses/social-work-registry/
- https://www.aswb.org/licenses/how-to-get-a-license/licensing-requirements-by-state-or-province/
- https://www.nasw-pa.org/
- https://www.pa.gov/agencies/dos/resources/professional-licensing-resources/licensure-processing-guides-and-timelines/social-workers-guide.html
Links used for references (not included in final word count)
- https://www.investopedia.com/ask/answers/071415/what-formula-calculating-return-investment-roi-excel.asp
- https://www.cswe.org/accreditation/about/directory/?pg=&program_level=Master%27s
- https://www.bls.gov/ooh/community-and-social-service/social-workers.htm#:~:text=in%20May%202023.-,Job%20Outlook,on%20average%2C%20over%20the%20decade.
- https://www.nami.org/wp-content/uploads/2023/07/PennsylvaniaStateFactSheet.pdf
- https://data.census.gov/profile/Pennsylvania?g=040XX00US42
- https://www.careeronestop.org/Toolkit/Wages/find-salary.aspx?keyword=Mental%20Health%20and%20Substance%20Abuse%20Social%20Workers&soccode=211023&location=Florida&keywordSearched=Mental%20Health%20and%20Substance%20Abuse%20Social%20Workers
- https://www.samhsa.gov/data/sites/default/files/reports/rpt32855/Pennsylvania-BH-Barometer_Volume6.pdf
- https://www.onetonline.org/link/localtrends/21-1022.00%20%20%20%20%20?st=PA
- https://www.ziprecruiter.com/Salaries/Licensed-Clinical-Social-Worker-Salary–in-Pennsylvania
- http://ziprecruiter.com/Salaries/Social-Workers-Salary–in-Pennsylvania
- https://www.papartnerships.org/wp-content/uploads/2024/01/2023-SOCW-Pennsylvania.pdf
- https://www.careeronestop.org/Toolkit/Wages/find-salary.aspx?keyword=Child,%20Family,%20and%20School%20Social%20Workers&soccode=211021&location=Pennsylvania&keywordSearched=Child,%20Family,%20and%20School%20Social%20Workers
- https://www.careeronestop.org/Toolkit/Wages/find-salary.aspx?keyword=Healthcare%20Social%20Workers&soccode=211022&location=Pennsylvania&keywordSearched=Healthcare%20Social%20Workers
- https://www.careeronestop.org/Toolkit/Wages/find-salary.aspx?keyword=Mental%20Health%20and%20Substance%20Abuse%20Social%20Workers&soccode=211023&location=Pennsylvania&keywordSearched=Mental%20Health%20and%20Substance%20Abuse%20Social%20Workers
- https://www.sofi.com/cost-of-living-in-pennsylvania/
