What is Pennsylvania's state income tax rate in 2026?

Pennsylvania has a flat 3.07% state income tax rate on all taxable income in 2026. This is one of the lowest flat income tax rates in the US. Pennsylvania also has no standard deduction — the 3.07% applies to virtually all wage income.

How much take-home pay on $75,000 in Pennsylvania?

On a $75,000 salary in Pennsylvania, a single filer pays approximately $8,556 in federal income tax, $5,738 in FICA, and $2,303 in Pennsylvania state income tax (3.07% of $75,000). Take-home pay is approximately $58,403 per year, or $4,867 per month.

Does Philadelphia have a local income tax?

Yes. Philadelphia has a wage tax of 3.75% for residents (2026) and 3.44% for non-residents who work in Philadelphia. This is in addition to PA state income tax. A Philadelphia resident earning $75,000 pays approximately $2,813 more per year in local tax compared to a non-Philadelphia PA resident.

Does Pennsylvania have a standard deduction?

Pennsylvania does not have a standard deduction. The 3.07% tax rate applies to gross wages with very few deductions allowed. Pennsylvania does not tax Social Security benefits, military pay, or most retirement account distributions (401k, IRA).

How does Pennsylvania compare to New Jersey for take-home pay?

Pennsylvania's 3.07% flat rate is lower than New Jersey's graduated rates (1.4%–10.75%). On a $75,000 salary, a Pennsylvania resident pays about $2,303 in state tax vs. a New Jersey resident paying about $3,200. Pennsylvania residents keep approximately $900 more per year at this income level.

Pennsylvania Take-Home Pay Calculator 2026 — 3.07% Flat Tax

Pennsylvania’s 3.07% flat income tax is one of the lowest state rates in the US. On a $75,000 salary, a Pennsylvanian keeps about $58,400 per year — considerably more than residents of New York, New Jersey, or California at the same income. Use the calculator below — it defaults to Pennsylvania.

Take-Home Pay Calculator

Take-Home Pay per Year

Effective Tax Rate

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Gross Per Period

Where your money goes:

Federal Income Tax

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FICA (SS + Medicare)

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State Income Tax

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You Keep

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📋 Detailed Tax Breakdown

Pennsylvania Take-Home Pay by Salary (2026)

Gross Salary	Federal Tax	FICA	PA State Tax	Take-Home	Eff. Rate
$40,000	$2,978	$3,060	$1,228	$32,734	18.2%
$50,000	$4,478	$3,825	$1,535	$40,162	19.7%
$60,000	$5,978	$4,590	$1,842	$47,590	20.7%
$75,000	$8,556	$5,738	$2,303	$58,403	22.1%
$100,000	$13,234	$7,650	$3,070	$76,046	23.9%
$150,000	$24,034	$10,718	$4,605	$110,643	26.2%
$200,000	$38,090	$12,958	$6,140	$142,812	28.6%

PA rate: 3.07% on all wages, no standard deduction. Estimates; actual amounts vary.

Pennsylvania Income Tax: Key Features

3.07% flat rate — applies to wages, salaries, and self-employment income
No standard deduction — unlike most states, PA does not reduce income before applying the tax
No tax on Social Security, most retirement income — 401(k) and IRA distributions are generally exempt from PA income tax
No tax on military pay — military pay is fully exempt from PA income tax
Philadelphia Wage Tax — city residents pay 3.75% additional; non-residents who work in Philadelphia pay 3.44%

Pennsylvania vs. Mid-Atlantic Neighbors

$100,000 salary, single filer:

State	State Tax Rate	Annual State Tax	Take-Home
Pennsylvania	3.07% flat	$3,070	~$76,046
Maryland	4.75% + ~3% local	~$7,750	~$71,366
New Jersey	Graduated to 10.75%	~$5,300	~$73,816
Delaware	Graduated to 6.6%	~$4,800	~$74,316
New York	Graduated to 10.9%	~$5,850	~$73,266

Pennsylvania’s low flat rate makes it one of the best states in the Northeast for working-age taxpayers.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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