Pennsylvania Tax & Salary Calculators (2026)
Everything you need to work out pay and tax as a Pennsylvania resident in 2026, in one place. Pennsylvania applies a flat 3.07% income tax after a $0 state standard deduction. Federal income tax and FICA (6.2% Social Security up to $184,500 plus 1.45% Medicare) apply on top, identically in every state — the Pennsylvania layer is what makes your net pay different from a neighbour's.
Pennsylvania's 3.07% flat tax is one of the lowest state income tax rates in the country — but most cities add a separate Earned Income Tax. Cost of living in Pennsylvania sits at index 95 (US average = 100), median household income is $73,824, and a one-bedroom apartment in Philadelphia rents for around $1,600 per month. The local economy leans on healthcare, education, and finance.
Pennsylvania calculators
Pennsylvania income tax brackets 2026 (single filer)
| Taxable income | Rate |
|---|---|
| $0 and up | 3.07% |
Most PA municipalities levy a local Earned Income Tax (EIT) of about 1%. Philadelphia residents pay 3.75% city wage tax; Pittsburgh residents pay 3%.
Pennsylvania tax facts beyond income tax (2026)
| State sales tax | 6% |
| Avg. effective property tax | 1.49% of home value |
| Minimum wage 2026 | $7.25 / hour |
| Top state income tax rate | 3.07% |
| Reciprocity agreements | Indiana, Maryland, New Jersey, Ohio, Virginia, West Virginia |
Pennsylvania charges a 6% state sales tax, homeowners pay an average effective property tax of 1.49% of market value, and the minimum wage in force during 2026 is $7.25 an hour. Philadelphia adds 2% and Allegheny County 1% on top of the 6% state rate.
Local Earned Income Tax of roughly 1%–3.9% applies almost everywhere, plus a 0.07% unemployment employee contribution.
Pennsylvania does not tax Social Security, pensions or retirement distributions after 59½ — one of the most retiree-friendly states.
Commuting and remote work across Pennsylvania lines
Pennsylvania holds income-tax reciprocity agreements with Indiana, Maryland, New Jersey, Ohio, Virginia and West Virginia. If you commute between them, your wages are taxed only by your state of residence — file the exemption certificate with your employer so the wrong state is not withheld from every paycheck.
If you work remotely for an out-of-state employer, the state where you physically sit normally has the first claim on your wages, while your employer may still be required to register for Pennsylvania withholding. Keep a day-count record whenever you split the year between Pennsylvania and New Jersey.
Pennsylvania vs New Jersey: $75,000 salary compared
| Measure | Pennsylvania | New Jersey |
|---|---|---|
| Annual take-home | $59,290 | $58,941 |
| Effective tax rate | 20.9% | 21.4% |
| Cost-of-living index | 95 | 114 |
| Property tax rate | 1.49% | 2.23% |
| State sales tax | 6% | 6.625% |
The paycheck difference is $349 a year on a $75,000 salary, but the full picture depends on housing: a one-bedroom in Philadelphia runs about $1,600 a month, and property and sales taxes shift the balance again. See the New Jersey hub for the mirror view.