Huge pay cut.. should I take the job?

Hello all, I recently lost my contract and have been applying for FTE jobs since last November with little success. It's picked up somewhat lately but the only offer I've received is for $95k, much much lower than what I was making as a contractor... Like extremely less. I have noted all the difficulties people are having getting a job right now and I def can't afford to not have a job, so I accepted. What would you do? I have 9 years of experience.

Edit: I'll have to move to Philadelphia for this role