Pennsylvania Paycheck Calculator 2026: 3.07% PA Tax + Local EIT
Calculate your take-home pay in Pennsylvania. See how federal tax, PA state tax (Flat 3.07%), Social Security, and Medicare affect your paycheck. Free, instant, private.
Pennsylvania paycheck quick answer for 2026
Pennsylvania employers withhold PA personal income tax at a flat 3.07% rate on compensation. Pennsylvania local payroll can also include Earned Income Tax (EIT) and, in some municipalities, Local Services Tax (LST), so Salario treats the main result as the statewide PA planning estimate and flags local EIT/PSD code setup separately.
Sources reviewed June 13, 2026
PA income tax
3.07%
Flat personal income tax rate
Local EIT
Separate
PSD code and worksite/residence rules
LST
May apply
Separate local services tax in some areas
$58,000 salary
~$1,808
Biweekly estimate before local EIT/LST
| 2026 checkpoint | What to use | Source basis |
|---|---|---|
| State withholding | 3.07% | PA Revenue lists employer withholding of PA personal income tax at a flat 3.07% of compensation. |
| Local EIT | Address-specific | DCED says PA worksites must withhold and remit local Earned Income Tax and Local Services Tax when applicable. |
| Philadelphia payroll | Wage Tax | Philadelphia lists a Wage Tax for residents and for nonresidents who work in Philadelphia; current city rates should be checked against the Philadelphia Tax Center. |
| Pittsburgh payroll | 3% resident EIT | Pittsburgh lists 1% city EIT plus 2% school district EIT for city residents, while non-Pennsylvania residents working in the city are listed at 1%. |
| PSD code setup | Residency Certification Form | DCED says employees complete a Residency Certification Form so employers can confirm PSD codes and EIT rates. |
| Calculator treatment | Statewide base estimate | Exact local EIT/LST depends on home address, worksite, resident rate, nonresident rate, and local collector rules. |
Pennsylvania Paycheck Calculator
Your Take-Home Pay Per Paycheck
$2,088.56
Bi-Weekly (26) · $54,303/year · Effective Rate: 19.7%
Gross Pay
$67,587
$2,599.50/check
Federal Tax
-$6,039
8.9% eff.
PA State Tax
-$2,075
3.1% eff.
FICA
-$5,170
SS + Medicare
Net Take-Home
$54,303
80.3% kept
Pay Breakdown
| Item | Per Paycheck | Annual |
|---|---|---|
| Gross Pay | $2,599.50 | $67,587.00 |
| Federal Income Tax | -$232.27 | -$6,039.14 |
| Pennsylvania State Tax | -$79.80 | -$2,074.92 |
| Social Security (6.2%) | -$161.17 | -$4,190.39 |
| Medicare (1.45%) | -$37.69 | -$980.01 |
| Net Take-Home Pay | $2,088.56 | $54,302.53 |
2026 Pennsylvania Paycheck Examples
Use these single-filer examples to sanity-check the calculator before changing inputs. They use 26 biweekly paychecks, the 2026 federal standard deduction, Social Security up to the $184,500 wage base, Medicare, and the PA state model shown on this page.
| Scenario | Gross Salary | Biweekly Take-Home | PA Tax | Total Tax Rate |
|---|---|---|---|---|
| $50,000 salary | $50,000 | $1,570.00 | $1,535.00 | 18.4% |
| Pennsylvania median | $67,587 | $2,088.56 | $2,074.92 | 19.7% |
| $100,000 salary | $100,000 | $2,927.31 | $3,070.00 | 23.9% |
| $150,000 salary | $150,000 | $4,199.46 | $4,605.00 | 27.2% |
Model note: Pennsylvania uses Flat 3.07% in this fast paycheck model. Benefits, pre-tax retirement, health insurance, local wage taxes, and exact withholding elections can change the real paycheck.
Pennsylvania Local EIT and PSD Code Checkpoint
Pennsylvania paycheck estimates need a state layer and a local layer. The statewide PA income-tax rate is 3.07%, but Act 32 local Earned Income Tax can depend on the employee residence address, worksite address, resident and nonresident rates, PSD codes, and the local tax collector. Philadelphia and Pittsburgh also have city-specific payroll checks, so the calculator above keeps the main result as the statewide base estimate and shows where local EIT, Wage Tax, or LST can be added from payroll records.
| Paycheck item | 2026 Pennsylvania rule | What to verify |
|---|---|---|
| State income tax | 3.07% flat PA personal income tax | Use PA Revenue personal income tax, tax-rate, and employer-withholding pages. |
| Local EIT | Separate local earned income tax layer | Check the employee home address, worksite address, resident rate, nonresident rate, and PSD code. |
| Local Services Tax | May apply by municipality or worksite | Confirm whether payroll is withholding a separate LST amount in addition to EIT. |
| PA W-4 | No state form exactly like federal W-4 | PA Revenue says allowances are not used because the state rate is flat. |
| City or case | Local payroll item | How to use the result |
|---|---|---|
| Philadelphia paycheck | Philadelphia Wage Tax for city residents and for nonresidents working in Philadelphia | Start with the statewide PA result, then subtract current Philadelphia Wage Tax withholding based on resident or nonresident status. |
| Pittsburgh paycheck | City EIT plus school district EIT for residents; separate treatment for non-Pennsylvania residents working in the city | Use the calculator as the base PA estimate, then confirm Pittsburgh resident or worksite withholding with payroll or Jordan Tax Service. |
| Any PA municipality | PSD code, resident EIT, nonresident EIT, and possible Local Services Tax | Use DCED's address lookup or PSD code list to match the home address and worksite before relying on a final net-pay number. |
For neighboring-state comparisons, see the New York paycheck calculator, New Jersey paycheck calculator, Ohio paycheck calculator, and Maryland paycheck calculator.
Pennsylvania Income Tax Overview
Pennsylvania has one of the lowest flat state income tax rates at 3.07%. However, local taxes are significant: Philadelphia levies a 3.44% wage tax on all wages (residents and non-residents), and most other municipalities charge 1%-2% earned income tax. The cost of living is near the national average at 97%. Pennsylvania has a large, diverse economy with strengths in healthcare, education (many major universities), manufacturing, agriculture, and financial services.
Pennsylvania Tax Details
Pennsylvania has a flat 3.07% income tax. It is one of the few states that does not allow standard deductions, personal exemptions, or itemized deductions. Pennsylvania also does not tax retirement income (401k, IRA, pensions, Social Security). Philadelphia wage tax: 3.44% for residents. Most other municipalities charge Local Earned Income Tax (EIT) of 1%-2%, split between municipality and school district.
Local Taxes in Pennsylvania
Philadelphia levies a wage tax of 3.44% for residents (3.44% non-residents). Many municipalities levy earned income taxes of 1%-2%. Local taxes are not included in the calculator above and would further reduce your take-home pay.
State Tax Rate
3.07%
Median Income
$67,587
Minimum Wage
$7.25/hr
Cost of Living
97%
How the Pennsylvania Paycheck Calculator Works
This calculator estimates your take-home pay in Pennsylvania by deducting federal income tax, Pennsylvania state income tax (Flat 3.07%), Social Security (6.2% up to $184,500), and Medicare (1.45% plus 0.9% surtax on high earners).
Start with Gross Salary
Your total annual compensation before any deductions.
Apply Standard Deduction
$16,100 for single filers (2026).
Calculate Federal Tax
Using 2026 marginal tax brackets: 10%, 12%, 22%, 24%, 32%, 35%, 37%.
Add PA State Tax
Pennsylvania taxes at Flat 3.07%. We use 3.07% as the calculator estimate.
Deduct FICA Taxes
Social Security (6.2% up to $184,500) + Medicare (1.45% on all income).
Note: This calculator provides estimates. Actual take-home pay may vary based on pre-tax deductions (401k, health insurance), local taxes, and other withholding adjustments. In Pennsylvania: Philadelphia levies a wage tax of 3.44% for residents (3.44% non-residents). Many municipalities levy earned income taxes of 1%-2%.
Pennsylvania Cost of Living
Pennsylvania's cost of living index is 97 (national average = 100). This means living in Pennsylvania is 3% less expensive than the national average. A salary of $67,587 in Pennsylvania has the equivalent purchasing power of about $69,677 in an average-cost area.
Your Salary's Purchasing Power
Your $54,303 annual take-home pay in Pennsylvania has the purchasing power of approximately $55,982 in an average-cost area.
Pennsylvania Minimum Wage
The minimum wage in Pennsylvania is $7.25 per hour as of 2026. This matches the federal minimum wage of $7.25/hour. A full-time minimum wage worker in Pennsylvania (40 hours/week) earns approximately $15,080 per year before taxes.
Hourly
$7.25
Weekly (40h)
$290
Monthly
$1,257
Annual
$15,080
Compare Pennsylvania to Nearby States
See how Pennsylvania's tax rates and cost of living compare to neighboring states.
| State | Income Tax | Min Wage | Cost of Living | Median Income |
|---|---|---|---|---|
| Pennsylvania | 3.07% | $7.25 | 97% | $67,587 |
| New York | 6.33% | $16.50 | 126% | $74,314 |
| New Jersey | 5.53% | $15.49 | 120% | $85,751 |
| Delaware | 5.5% | $15.00 | 102% | $72,724 |
| Maryland | 4.75% | $15.00 | 120% | $87,063 |
Tips to Maximize Your Take-Home Pay in Pennsylvania
- Maximize pre-tax contributions to your 401(k) or 403(b). In 2026, you can contribute up to $24,500 ($31,000 if over 50), reducing your taxable income and both federal and state taxes.
- Use an HSA if you have a high-deductible health plan. HSA contributions ($4,400 individual, $8,750 family in 2026) are pre-tax and reduce your paycheck deductions.
- Use a Dependent Care FSA if you have childcare expenses. You can set aside up to $5,000 pre-tax to pay for daycare or after-school care.
- Review your W-4 withholding. If you regularly get large tax refunds, you are giving the IRS an interest-free loan. Adjust your W-4 to keep more money in each paycheck throughout the year.
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Frequently Asked Questions
How much tax do I pay in Pennsylvania?
In Pennsylvania, you pay both federal and state income taxes plus FICA. The state income tax rate is Flat 3.07%. On a $67,587 salary filing single, your combined effective tax rate would be approximately 20.0%.
What is the minimum wage in Pennsylvania?
The minimum wage in Pennsylvania is $7.25 per hour as of 2026. This equals approximately $15,080 per year for a full-time worker (40 hours/week, 52 weeks/year). The federal minimum wage is $7.25/hour, and Pennsylvania follows the federal minimum wage.
What is the cost of living in Pennsylvania?
Pennsylvania's cost of living index is 97, meaning it is 3% less expensive the national average. The median household income is $67,587. This is near the national average, offering balanced affordability.
How does Pennsylvania's income tax compare to other states?
Pennsylvania's income tax structure is Flat 3.07%. This is a relatively low income tax rate compared to many states. For comparison, nine states have no income tax at all, while California has the highest top rate at 13.3%.
What Pennsylvania income tax rate does Salario use for 2026?
Salario uses Pennsylvania Revenue guidance showing PA personal income tax and employer withholding at a flat 3.07% of compensation. This is the statewide state-tax layer before federal tax, FICA, benefits, local EIT, and any Local Services Tax.
Does the Pennsylvania paycheck calculator include local EIT?
No. The main calculator shows the statewide Pennsylvania estimate and flags local EIT separately. Local Earned Income Tax and Local Services Tax depend on home address, worksite, PSD codes, resident and nonresident rates, and the local tax collector setup.
How does Philadelphia Wage Tax affect a Pennsylvania paycheck?
Philadelphia has a separate Wage Tax for Philadelphia residents and for nonresidents who work in Philadelphia. Salario keeps the calculator result as the statewide PA base estimate, then flags Philadelphia Wage Tax as a city payroll layer to verify against current Philadelphia Tax Center rates and employer withholding.
How is a Pittsburgh paycheck different from the statewide Pennsylvania estimate?
Pittsburgh can add local earned income tax on top of the 3.07% Pennsylvania state rate. Pittsburgh lists a 3% resident EIT made up of 1% city tax and 2% school district tax, and lists 1% for non-Pennsylvania residents who work in the city. Confirm the final setup through payroll, PSD codes, and the local tax collector.
Does Pennsylvania have a state W-4 form?
Pennsylvania Revenue says Pennsylvania does not have a form exactly like the federal W-4 because PA personal income tax uses the same 3.07% flat rate rather than allowance-based withholding.