How much is taken out of a paycheck in Pennsylvania?
A Pennsylvania paycheck loses federal income tax, 7.65% FICA, the flat 3.07% state income tax, a 0.07% state unemployment (UC) contribution, and, for almost everyone, a local Earned Income Tax of about 1%. A single filer earning $60,000 in a typical 1% town keeps about $47,906 a year, roughly a 20.2% effective rate. The state tax, local tax and UC together add up to more than the flat 3.07% figure alone suggests.
What is Pennsylvania's income tax rate for 2026?
Pennsylvania has a flat state income tax of 3.07% for 2026, the same for every filing status and every income level, with no brackets, no standard deduction and no personal exemptions. On top of the state rate, most workers also pay a local Earned Income Tax, usually around 1%, and Philadelphia has its own wage tax. There is also a small 0.07% employee unemployment contribution.
Does Pennsylvania have a local income tax?
Yes. Almost every Pennsylvania municipality and school district levies a local Earned Income Tax on wages, usually about 1% combined, under Act 32. Philadelphia instead charges a city wage tax of 3.735% for residents and 3.425% for non-residents who work there, and Pittsburgh is 3%. Your local rate is added to the flat 3.07% state tax, and many paycheck calculators leave it out, which is why this one lets you pick your local rate.
Does Pennsylvania tax 401(k) contributions?
Yes, and this catches people out. Unlike federal tax, Pennsylvania and its local Earned Income Tax do not exempt 401(k) contributions, so money you defer into a 401(k) still gets taxed for PA state and local purposes in the year you earn it. Your 401(k) lowers your federal tax but not your Pennsylvania tax. Pre-tax health premiums, on the other hand, are exempt for PA. Calculators that treat a 401(k) as pre-tax for Pennsylvania understate your state tax.
How much is $60,000 after taxes in Pennsylvania?
A single filer earning $60,000 in a typical 1% local-tax town keeps about $47,906 a year in 2026, close to $3,992 a month or $1,843 on a biweekly check, an effective rate near 20.2%. That is after $1,842 of state tax, $600 of local EIT, $42 of UC, federal tax and FICA. Because Pennsylvania is flat with no exemptions, married filing jointly at $60,000 has the same $1,842 state tax and keeps about $50,086, the difference coming from lower federal tax.
What is the Philadelphia wage tax for 2026?
For 2026 the Philadelphia wage tax is 3.735% for residents and 3.425% for non-residents who work in the city, following a small cut effective July 1, 2026. It replaces the roughly 1% local EIT that other Pennsylvania towns charge, so a Philadelphia paycheck loses noticeably more to local tax. A single filer earning $60,000 pays about $2,241 in Philadelphia wage tax as a resident, versus $600 in a 1% town.
What is the 0.07% on my Pennsylvania paycheck?
That is the Pennsylvania employee unemployment contribution, or UC withholding, set at 0.07% of your gross wages for 2026 with no wage cap. It works out to about 70 cents per $1,000 of pay, so a $60,000 earner pays about $42 for the year. It is separate from the 3.07% state income tax and appears as its own small line, which is why an accurate Pennsylvania calculator includes it.
How much is $75,000 after taxes in Pennsylvania?
A single filer earning $75,000 in a 1% local-tax town keeps about $58,488 a year in 2026, roughly $4,874 a month or $2,250 on a biweekly check, an effective rate near 22%. That is after about $2,303 of state tax, $750 of local EIT, $53 of UC, federal tax and FICA. In Philadelphia the same worker keeps less because of the higher wage tax.
How much is $100,000 after taxes in Pennsylvania?
A single filer earning $100,000 in a 1% town keeps about $75,040 a year in 2026, close to $6,253 a month or $2,886 biweekly, an effective rate near 25%. That reflects $3,070 of state tax, $1,000 of local EIT, $70 of UC, federal tax and FICA. Married filing jointly keeps about $80,570 at $100,000, with the same state and local tax but lower federal tax.
How much do I take home on $25 an hour in Pennsylvania?
At $25 an hour full time, about $52,000 a year, a single Pennsylvania worker in a 1% town keeps roughly $41,809 in 2026, close to $3,484 a month or $1,608 on a biweekly check, an effective rate near 19.6%. That is after about $1,596 of state tax, $520 of local EIT, $36 of UC, federal tax and FICA. Enter your own hourly rate, hours and local rate in the calculator to see your exact take-home.
How is overtime taxed in Pennsylvania?
Overtime is taxed as ordinary wages in Pennsylvania, at the same flat 3.07% state rate, your local EIT rate, the 0.07% UC, plus federal tax and FICA. There is no special overtime tax rate. A large check with overtime can have more federal tax withheld for that period, but any over-withholding comes back at tax time. The only real break is the federal deduction of up to $12,500 of overtime premium, claimed on your federal return.
How much is $50,000 after taxes in Pennsylvania?
A single filer earning $50,000 in a typical 1% local-tax town keeps about $40,285 a year in 2026, roughly $3,357 a month or $1,549 on a biweekly check, an effective rate near 19.4%. That is after $1,535 of state tax, $500 of local EIT, $35 of UC, federal tax and FICA. In Philadelphia the same worker keeps less because of the higher wage tax.
How much is $40,000 after taxes in Pennsylvania?
A single filer earning $40,000 in a 1% town keeps about $32,664 a year in 2026, close to $2,722 a month or $1,256 biweekly, an effective rate near 18.3%. That is after $1,228 of state tax, $400 of local EIT, $28 of UC, federal tax and FICA. Because Pennsylvania is flat, the state tax is simply 3.07% of your pay after pre-tax health, with no standard deduction to lower it.
How much do I take home on $20 an hour in Pennsylvania?
At $20 an hour full time, about $41,600 a year, a single Pennsylvania worker in a 1% town keeps roughly $33,883 in 2026, close to $2,824 a month or $1,303 on a biweekly check, an effective rate near 18.5%. That is after about $1,277 of state tax, $416 of local EIT, $29 of UC, federal tax and FICA. Enter your own hourly rate, hours and local rate in the calculator to see your exact take-home.
What is the local Earned Income Tax in Pennsylvania and how do I find my rate?
The local Earned Income Tax (EIT) is a tax on wages charged by your resident municipality and school district together, usually about 1% combined outside Philadelphia. Under Act 32, your employer withholds it based on the address on your Residency Certification Form. To find your exact rate, look up your municipality on the Pennsylvania DCED official tax register, or check the local tax line on your pay stub. Philadelphia uses its own wage tax instead of the EIT.
Do I pay Philadelphia wage tax if I work outside the city or remotely?
It depends on where you actually work. Philadelphia's wage tax applies to residents on all wages no matter where they work, and to non-residents only on work physically performed in the city. If you are a non-resident working fully remote from outside Philadelphia, you generally do not owe the Philadelphia non-resident wage tax for those days, though a required-to-work-in-Philadelphia test can apply. Instead you would owe your own town's local EIT. Check with your employer and the city if your situation is mixed.
Is Pennsylvania a high-tax or low-tax state for paychecks?
On the state income tax alone Pennsylvania is low, with a flat 3.07% rate and no tax on retirement income later. Once the roughly 1% local Earned Income Tax and the 0.07% UC are added, a typical worker pays a combined state-plus-local income tax near 4%, which is moderate. Philadelphia is the exception, where the wage tax pushes the local piece to 3.735% and the total noticeably higher. So Pennsylvania is low-to-moderate outside Philadelphia and higher inside it.
