Pennsylvania Take-Home Pay Calculator 2026
Quick Answer: In 2026, Pennsylvania has a flat 3.07% income tax. On a gross annual salary of $75,000, a single W-2 filer takes home approximately $59,290, while married joint filers take home about $62,320. Use the paycheck calculator below to estimate your exact net earnings.
What is the state tax in Pennsylvania?
Pennsylvania levies a flat 3.07% income tax on W-2 wages. Standard deduction shields a portion from tax.
What do you keep on a $75,000 salary?
Single W-2 filers retain about 79.1% of their gross paycheck, leaving $59,290 net.
How does FICA payroll tax apply?
A flat 6.2% is deducted for Social Security (up to $184,500) and 1.45% is deducted for Medicare.
Are OBBBA tax shelters applicable?
Yes. The federal overtime tax deduction helps W-2 earners shield their half-time overtime premiums from income tax.
How Does Pennsylvania Tax Your Paycheck in 2026?
Your net take-home pay depends on federal income tax brackets, FICA payroll taxes, and state income tax codes. Pennsylvania has a flat 3.07% income tax on personal wages. Standard deductions for 2026 are set at $0 for single W-2 filers and $0 for married joint filers, which reduce taxable income before tax brackets apply.
Federally, tax brackets are progressive, ranging from 10% to 37% (Rev. Proc. 2025-32). FICA taxes are also flat, with 6.2% Social Security (up to $184,500) and 1.45% Medicare.
What Do You Keep: Paycheck Breakdown in Pennsylvania?
The table below outlines how much you keep at different gross annual salaries. These calculations assume a single W-2 filer with a standard deduction and no pre-tax retirement or health insurance contributions:
| Gross Salary | Federal Tax | State Tax | FICA | Take-Home Pay | Effective Rate |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $1,535 | $3,825 | $40,820 | 18.4% |
| $75,000 | $7,670 | $2,303 | $5,738 | $59,290 | 20.9% |
| $100,000 | $13,170 | $3,070 | $7,650 | $76,110 | 23.9% |
| $150,000 | $24,734 | $4,605 | $11,475 | $109,186 | 27.2% |
- Federal tax$13,17013%
- Pennsylvania tax$3,0703%
- FICA$7,6508%
- Take-home$76,11076%
- Gross$100,000
What Pennsylvania-specific taxes affect your paycheck?
Pennsylvania levies a flat 3.07% state income tax on wages, one of the lowest flat rates among states that use a single rate. It applies the same regardless of income level or filing status, so there are no brackets to track.
The bigger surprise is local tax. Pennsylvania is one of the few states where local income tax is widespread: most municipalities and school districts levy a Local Earned Income Tax (EIT), with rates that vary by jurisdiction. Philadelphia charges a separate City Wage Tax (about 3.74% for residents and 3.43% for non-residents), and Pittsburgh imposes its own higher local rate. Many areas also charge a Local Services Tax (LST), capped at $52 per year total. Any claim that Pennsylvania has "no local tax" is incorrect.
Pennsylvania is also one of only three states (with Alaska and New Jersey) where employees pay an unemployment (SUI/UC) tax, withheld at 0.07% of wages for 2026.
Other Pennsylvania payroll facts to know
- Employers withhold the flat 3.07% state tax from all compensation; there is no state allowance form, though reciprocal-state residents can file Form REV-419 to claim nonwithholding.
- 401(k) and 403(b) contributions are not exempt from Pennsylvania state income tax, even though they reduce your federal taxable wages.
- The state minimum wage is $7.25 per hour ($2.83 tipped base), unchanged for 2026.
- Pennsylvania's median household income was about $77,971 (Census, 2020-2024), useful context for estimating a typical take-home figure.
Figures reflect Pennsylvania Department of Revenue and Department of Labor and Industry guidance; verify your exact local EIT and LST rates with your municipality.
How Do You Calculate Your Pennsylvania Paycheck Step-by-Step?
Want to calculate your paycheck manually? Follow this ordered step-by-step list:
- Determine your gross annual wages (or wages per pay period).
- Subtract pre-tax deductions like traditional 401(k) contributions (up to $23,500) and health premiums.
- Subtract your federal standard deduction ($16,100 for single filers, $32,200 for married joint filers) to find your federal taxable income.
- Apply progressive 2026 federal income tax brackets to calculate your federal tax.
- Subtract your state standard deduction (if any) to find state taxable income, and apply the flat rate or progressive brackets of Pennsylvania.
- Compute FICA payroll taxes: 6.2% for Social Security on wages up to $184,500, and 1.45% for Medicare.
- Subtract all calculated taxes and FICA from your gross pay to find your net take-home salary.
How Does the 2026 Federal Deduction Affect Overtime in Pennsylvania?
Under the federal OBBBA overtime tax deduction (valid for tax years 2025 through 2028), the 0.5x premium portion of your time-and-a-half overtime rate is exempt from federal income tax. This deduction is capped at $12,500 for single W-2 filers and $25,000 for married couples filing jointly. You still owe FICA and state income taxes on this premium portion. To calculate your overtime premium tax savings, visit our dedicated No Tax on Overtime Calculator.
How Does Pennsylvania Compare to Neighboring States?
Comparing income taxes across neighboring states helps evaluate job offers and geographical cost advantages: