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FIPS: 42101•Rank #2 National•Rank #1 in PA
Philadelphia County, PA
Forward-Looking Municipal Debt, Assessment Lag & Carrying Cost Audit
High Tax Drift Risk
96% Conf.
Tax Drift Index
82.9/ 100
High Drift Risk
Philadelphia County Executive Risk Briefing
MSRB EMMA Disclosures & US Census BureauAugust 2026
Philadelphia County carries a High Tax Drift Score (82.9/100) based on $9,800 in overlapping municipal debt per capita and a +25% CAD assessment lag spread. Projected 3-year millage escalation of +0.31% (+31 bps) indicates an estimated +$1,379/yr escrow adjustment on median-priced properties.
Median Home: $235,000Median Income: $57,000Effective Tax: 1.4%
Municipal Debt Per Capita
$9,800
17.2% of Median Income
CAD Valuation Lag
+25.0%
Assessed Value trailing Market HPI
3-Yr Millage Escalation
+31 bps
Effective Rate: 1.4% → 1.7%
Projected Annual Escrow Shock
+$1,379/yr
Estimated on median assessed home
Interactive Property Tax & Escrow Shock Simulator
Model forward-looking ad valorem tax obligations and monthly escrow adjustments for a specific parcel in Philadelphia County, PA.
$235,000
$0
Current Annual Tax
$3,290
@ 1.40% eff. rate
Year 3 Projected Tax
$4,669
@ 1.71% eff. rate
Net Escrow Increase
+$1,379/yr
+$115/mo mortgage escrow
Projected Shock Attribution Breakdown+31 bps rate shift
1. Muni Bond Debt Service
+20 bps
I&S bond amortization
2. Operating Deficit Drift
+11 bps
M&O budget expansion
3. CAD Valuation Catch-up
+$535/yr
+$38,188 assessed base
Overlapping Taxing Jurisdictions & Debt Obligations
Breakdown of autonomous debt issuers assessing ad valorem property taxes on parcels within Philadelphia County.
| Entity Name | Entity Type | Outstanding Bond Debt | Debt / Student or Cap | Adopted Millage |
|---|---|---|---|---|
| School District of Philadelphia | ISD | $3.4B | $17,000 | 0.780% |
5-Year Historical Drift Score & Effective Rate Trajectory
2022
73
1.3% eff.
2023
76
1.3% eff.
2024
79
1.4% eff.
2025
81
1.4% eff.
2026
82.9
1.4% eff.
Statutory Constraint & Legislative Policy
Citywide Actual Value Initiative (AVI) reassessments reset property tax assessments with significant homestead tax relief credits.
Data Provenance & Audit Citations