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2026 take-home pay

Calculate your real take-home pay in Pennsylvania

Estimate your take-home pay in Pennsylvania for 2026.

Quick answer: Pennsylvania has a state income tax (flat 3.07%). On a $75,000 salary, a single filer takes home roughly $59,290 per year in 2026 after federal income tax, Pennsylvania state tax, and FICA (Social Security + Medicare).

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$

Your take-home pay

$76,110.00

per year

$76,110 per year · 23.9% effective tax rate
Gross pay
$100,000.00
Federal income tax
− $13,170.00
Social Security
− $6,200.00
Medicare
− $1,450.00
State income tax
− $3,070.00
Net pay
$76,110.00

Estimates only — not professional tax advice. 2026 tax year.

Pennsylvania keeps its state income tax refreshingly simple: a flat 3.07% on every dollar of taxable wages, with no brackets to track. The catch is local: nearly every municipality and school district imposes a local Earned Income Tax, and Philadelphia in particular has a notably higher city wage tax. The calculator below applies the 3.07% state rate; be sure to factor in your local EIT for a complete take-home picture.

How take-home pay works in Pennsylvania

Your paycheck starts with your gross pay. From there, the federal government takes income tax based on 2026 marginal brackets and your filing status, plus FICA — Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%, with an extra 0.9% on high earners).

Pennsylvania charges a single flat income tax rate of 3.07% on taxable wages, one of the lowest flat rates among states that tax income. However, most Pennsylvania municipalities and school districts levy a local Earned Income Tax (EIT) — typically around 1%, and higher in Philadelphia — that is withheld on top of the state rate. The flat state rate applies uniformly regardless of how much you earn.

Estimates only — not professional tax advice.

Major cities in Pennsylvania

These estimates apply to workers across Pennsylvania, including:

Frequently asked questions

What is the Pennsylvania income tax rate in 2026?
Pennsylvania charges a flat 3.07% on taxable income, the same rate at every income level. The calculator above applies this flat rate to your estimated taxable wages.
What is the local Earned Income Tax in Pennsylvania?
Most Pennsylvania municipalities and school districts levy a local Earned Income Tax, commonly around 1%, withheld in addition to the flat state rate. Philadelphia applies a higher city wage tax. These local taxes are not included in the statewide estimate above.
Why is take-home pay lower in Philadelphia than elsewhere in Pennsylvania?
Philadelphia imposes a city wage tax that is significantly higher than the typical ~1% local EIT in other parts of the state, so the same gross salary nets less in Philadelphia than in many surrounding areas.
Does Pennsylvania have a state income tax?
Yes. Pennsylvania taxes wage income (Flat 3.07%). The calculator above includes it in your estimate.
How is my take-home pay calculated?
We start from your gross pay, then subtract federal income tax (2026 marginal brackets), Social Security (6.2% up to the $184,500 wage base), Medicare (1.45%, plus 0.9% over $200k), and your state income tax. Any 401(k) and pre-tax deductions are removed before income tax is figured.
Which states have no income tax?
Nine states have no state income tax on wages: Texas, Florida, Alaska, Nevada, South Dakota, Washington, Wyoming, Tennessee, and New Hampshire. Living there usually means a bigger paycheck.
Is this exact?
It is a solid estimate using 2026 federal and state rates and standard deductions. It does not capture local/city taxes, credits, or unusual situations. Treat it as a ballpark — not professional tax advice.
What is FICA?
FICA is the combination of Social Security and Medicare payroll taxes. Together they total 7.65% of most wages (6.2% Social Security up to the wage base, plus 1.45% Medicare on all wages).

Paycheck calculators for all 50 states

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