Calculate your take-home pay in The Keystone State. Pennsylvania income tax rate: 3.07%.
Pennsylvania levies a flat 3.07% income tax on virtually all earned income with very few deductions allowed. Pennsylvania does not allow a standard deduction or personal exemption against state income. Many PA municipalities levy local earned income taxes of 1-3.88% (Philadelphia is the highest). The state flat rate is low but the local additions can be significant.
| Item | Per Paycheck | Monthly | Annual |
|---|---|---|---|
| Gross Pay | - | - | - |
| Federal Income Tax | - | - | - |
| Pennsylvania State Tax | $0 | $0 | $0 |
| Social Security | - | - | - |
| Medicare | - | - | - |
| 401(k) + Pre-Tax | - | - | - |
| Take-Home Pay | - | - | - |
Pennsylvania has a flat income tax rate of 3.07%. This calculator estimates your take-home pay after federal income tax, state income tax, Social Security, Medicare, and any pre-tax deductions like 401(k) contributions. Enter your salary or hourly wage above to see a detailed breakdown of your paycheck.
Pennsylvania has one of the lowest flat income tax rates at 3.07%. The state does not allow a standard deduction or personal exemptions (though certain deductions exist). Many municipalities impose local earned income taxes, typically 1-3%. Philadelphia has the highest at 3.75% for residents (3.44% for non-residents working in the city). The combined state plus local rate in Philadelphia is 6.82%. Pennsylvania does not tax retirement income (pensions, 401(k), IRA, Social Security) for residents, making it very retirement-friendly.
Regardless of state taxes, all Pennsylvania workers pay federal income tax using the 2026 brackets: 10% on the first $11,925 of taxable income (single), 12% up to $48,475, 22% up to $103,350, 24% up to $197,300, 32% up to $250,525, 35% up to $626,350, and 37% on income above that. The standard deduction is $15,000 for single filers and $30,000 for married filing jointly in 2026.
All workers in Pennsylvania pay Social Security tax at 6.2% on wages up to $176,100 (2026) and Medicare tax at 1.45% on all wages. An additional 0.9% Medicare surtax applies to wages over $200,000 for single filers. These federal payroll taxes apply uniformly regardless of which state you live in.
Pre-tax deductions reduce your taxable income for both federal and state purposes. Contributing to a 401(k) (up to $24,500 in 2026, plus $8,000 catch-up if 50+) lowers both your federal and PA state tax bill. Health Savings Account (HSA) contributions ($4,300 individual, $8,550 family in 2026) are also pre-tax. Review your W-4 withholding: if you receive a large refund each year, you may be overwithholding, which means less money in each paycheck. The Tax Bracket Calculator shows your federal marginal and effective rates.
Pennsylvania has a flat 3.07% state income tax, one of the lowest flat rates in the country. However, most Pennsylvania municipalities levy a local earned income tax of 1-3.9%, with Philadelphia's at 3.75% for residents (one of the highest local income taxes nationwide). Your actual effective rate depends heavily on which city or township you live in.