Pennsylvania Take-Home Pay Calculator
3.07% flat rateEstimate your net paycheck after federal taxes, FICA, and Pennsylvania state income tax.
Last updated: April 2026
Pennsylvania Income Tax
Pennsylvania uses a flat 3.07% income tax rate for all residents, one of the simpler state tax systems.
Pennsylvania State Income Tax: What You Need to Know
Pennsylvania uses a flat 3.07% income tax rate for all residents, one of the simpler state tax systems.
Pennsylvania's state income tax is among the simplest in the country: a flat 3.07% on wages and most income, with no standard deduction, no personal exemption, and no progressive brackets. Every dollar of taxable income faces the same rate. The simplicity means your PA state tax is straightforward to calculate — just multiply gross wages by 0.0307. The complexity arrives at the local level: Pennsylvania has over 2,700 local earned income tax (EIT) jurisdictions, most levying 1–2%. Philadelphia leads at 3.75% for residents (3.44% for nonresidents who work in Philly), creating a combined 6.82% state + local rate for Philly residents. Other cities: Pittsburgh 3%, Reading 3.6%, Scranton 3.4%, Allentown 1.975%. Local EIT is based on where you live, with a credit for taxes paid at your work location. Pennsylvania also has an unusually generous retirement income exemption: most distributions from pensions, IRAs, and 401(k)s are fully exempt from PA income tax for residents over 59.5, as is all Social Security income — making Pennsylvania notably retirement-friendly despite having no deduction system for working-age income.
On top of state taxes, all workers also pay federal income tax based on the 2026 progressive brackets, plus FICA taxes: Social Security (6.2% up to $176,100) and Medicare (1.45% on all wages).
Our calculator applies Pennsylvania's 3.07% flat rate to your gross income as a simplified estimate. Actual state taxes may vary based on deductions, exemptions, and local taxes not captured in this estimate.
Pennsylvania Take-Home Pay Examples (2026, Single Filer)
Estimates based on standard deduction, no pre-tax deductions. Last updated: April 2026.
| Salary | Federal Tax | State Tax | FICA | Take-Home |
|---|---|---|---|---|
| $40,000 | $3,167 | $1,228 | $3,060 | $32,545 |
| $60,000 | $6,617 | $1,842 | $4,590 | $46,951 |
| $80,000 | $10,817 | $2,456 | $6,120 | $60,607 |
| $100,000 | $15,617 | $3,070 | $7,650 | $73,663 |
Frequently Asked Questions: Pennsylvania Taxes
What is Pennsylvania's income tax rate for 2026?
Pennsylvania taxes all income at a flat 3.07% rate. This applies to wages, salaries, and most other income. There's no progressive bracket system — everyone pays the same rate regardless of income level.
Does Philadelphia have a city income tax?
Yes. Philadelphia residents pay a City Wage Tax of 3.75% on all earned income. Philadelphia non-residents who work in Philadelphia pay 3.44%. This is on top of the Pennsylvania state income tax of 3.07%, creating a combined state+local rate of 6.82% for Philly residents.
Are there other Pennsylvania cities with local income taxes?
Yes. Pennsylvania has over 2,700 local taxing jurisdictions. Most municipalities levy a Local Earned Income Tax (EIT) ranging from 1% to 3%. The rate depends on where you live and where you work — typically you pay the higher of the two rates.
Does Pennsylvania allow a standard deduction?
Pennsylvania does not allow a standard deduction like the federal system. The 3.07% flat rate applies to gross wages with limited deductions available. This makes PA's effective tax rate straightforward to calculate but means there's no reduction for lower-income filers.
How does Pennsylvania's tax rate compare to neighboring states?
Pennsylvania's 3.07% flat rate is lower than New York (up to 10.9%), New Jersey (up to 10.75%), and Maryland (up to 5.75%). It's comparable to Ohio (up to 3.99%). For most workers, Pennsylvania is a relatively low-tax state on income.
What is the effective total tax rate on a $60,000 salary in Pennsylvania?
A single filer earning $60,000 in Pennsylvania (outside Philadelphia) pays approximately $6,617 in federal tax, $1,842 in PA state tax, and $4,590 in FICA. Total taxes: ~$13,049, or about 21.7% effective rate — one of the lower total rates among states with income taxes.