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By Wally Nunn
Upper Darby and Radnor sit just a few miles apart in Delaware County, Pennsylvania. One is working-class. The other is one of the wealthiest communities in America. Yet the family in Upper Darby pays roughly twice the effective property-tax rate of their neighbor in Radnor — despite earning less than half as much.
That single fact exposes the quiet cruelty baked into how Pennsylvania funds schools and local government.
Why It Matters. For many Upper Darby families earning $50,000 or less, the property tax bill consumes fifteen to twenty percent (or more) of their entire income before utilities, insurance, or groceries. In Radnor, the typical homeowner pays under nine percent of household income in property taxes.
And the final insult? Despite shouldering a far heavier burden, Upper Darby School District spent $14,728 per student in 2022. Radnor spent $25,264 — 70 percent more.
The system doesn’t just fail to be progressive. It is aggressively regressive. Lower property values trigger higher effective tax rates, which forces working-class towns to tax their residents harder just to deliver basic services. Wealthier towns tax heavily, hoard commercial ratables, and lavish their schools with resources.
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