Pennsylvania taxes wages at a flat 3.07% state rate in 2026 — the same rate whatever you earn — on top of federal income tax and FICA. Use the calculators below to see your exact 2026 take-home pay in Pennsylvania, check the sales tax on a purchase, and estimate a mortgage payment with Pennsylvania property taxes factored in.
State Paycheck Calculator 2026
Estimate take-home pay after federal tax, FICA and your state’s income tax for the 2026 tax year.
How it works: the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly) comes off your salary first, then the 2026 federal brackets (10%–37%). FICA is applied properly: 6.2% Social Security on the first $184,500 of wages (2026 wage base), 1.45% Medicare on all wages, plus 0.9% additional Medicare on wages above $200,000 single / $250,000 married filing jointly. State tax applies each state’s own standard deduction/exemptions, then its brackets or flat rate. Local income taxes are not included — many cities and counties (e.g. New York City, Philadelphia, most of Ohio, Maryland counties, Indiana counties, Kentucky) levy their own payroll taxes on top of the state tax.
Pennsylvania sales tax calculator
The statewide base sales tax rate in Pennsylvania is 6% in 2026. Cities and counties can add their own local tax on top of the base rate — enter any local add-on below to see the full tax and total price.
Sales Tax Calculator 2026
Estimate the sales tax and total price using each state’s base rate (2026), plus any local add-on.
State base rates are the 2026 state-level rates (local add-ons excluded). Actual combined rates vary widely by city and county — many localities add 1–5%. Five states have no statewide sales tax (Alaska, Delaware, Montana, New Hampshire, Oregon), though some localities still levy local taxes.
Mortgage calculator for Pennsylvania homes
The average effective property tax rate in Pennsylvania is about 1.3% of a home’s value per year. When you use the mortgage calculator below, enter roughly that percentage of the home price in the yearly property tax field for a realistic Pennsylvania monthly payment.
Mortgage Payment Calculator
Work out your monthly principal & interest payment, total interest and the true total cost of your loan.
How it works: your loan amount (price minus down payment) is repaid in equal monthly instalments using the standard amortisation formula, so early payments are mostly interest and later ones mostly principal. Property tax and insurance, if entered, are simply spread evenly across each month. Your actual rate and payment will depend on your lender, credit profile and the deal you choose.
Pennsylvania’s income tax is the simplest in America and, in one specific way, the rudest: 3.07% on everything, from your first dollar, with no standard deduction and no personal exemption to soften the start. Most states give you thousands of dollars of income tax-free before the meter starts running. Pennsylvania starts the meter at dollar one. And then — because this is Pennsylvania — your township probably adds its own tax on top.
Income tax in Pennsylvania in 2026
One flat rate: 3.07%. It applies to your gross wages with essentially no deductions — Pennsylvania famously doesn’t allow the usual menu of write-offs, beyond unreimbursed employee business expenses that few people can use. There is no standard deduction to look up because there isn’t one.
The simplicity is real, and for higher earners it’s quietly a bargain: 3.07% flat beats the top marginal rates in New York or New Jersey by a wide margin. It’s at the bottom of the income ladder where Pennsylvania is harsher than its neighbors — a part-timer earning $12,000 pays the same 3.07% rate as an executive, on income that most states wouldn’t touch. (Low-income families can claw some back through the state’s tax forgiveness program, but that’s a return-time claim, not a paycheck feature.)
Then comes the local layer, and in Pennsylvania it’s close to universal. Most municipalities and school districts levy an Earned Income Tax, typically around 1%, split between the two. Philadelphia goes its own way with a wage tax of 3.74% for residents (3.44% if you work in the city but live outside it). These local taxes are not included in the state figure below — on a $75,000 salary, a typical 1% EIT adds another $750 a year, and a Philadelphian pays far more.
Worked example: $75,000 salary, single filer
Step 1 — Federal tax. $75,000 − $16,100 = $58,900 taxable, which is $7,670.00 for 2026.
Step 2 — FICA. Social Security and Medicare: $5,737.50.
Step 3 — Pennsylvania tax. No deduction, no exemption, no brackets to walk through: $75,000 × 3.07% = $2,302.50. Shortest step on this entire page.
Step 4 — Take-home pay. $75,000 − $7,670.00 − $5,737.50 − $2,302.50 = $59,290.00 a year, or $2,280.38 bi-weekly — state tax only. Add the local EIT that most Pennsylvanians pay and the realistic take-home drops further. Compare the state line with Ohio’s $1,280.13 on the same salary and you’ll see what the $26,050 zero band is worth; Pennsylvania’s flat tax starts looking expensive precisely because it never gives you a free slice.
Sales tax in Pennsylvania
The state rate is 6.00% — $60 on a $1,000 purchase. Two local add-ons exist: Allegheny County (Pittsburgh) adds 1%, and Philadelphia adds 2%, taking its combined rate to 8.00%. The calculator on this page uses the 6.00% state base.
Pennsylvania exempts most clothing and groceries, two everyday mercies that take real money off the annual tax total for families. It’s a more forgiving tax than the income tax is — which, given the income tax starts at dollar one, isn’t the highest bar.
Property tax in Pennsylvania
The average effective rate is 1.30%, so a $300,000 home carries roughly $3,930 a year. School districts set most of it, which means the spread across the state is wide: suburbs with coveted schools charge accordingly, and two towns sharing a border can differ by thousands.
Pennsylvania does run a property tax and rent rebate program for older and lower-income residents, administered at the state level — worth checking if you’re buying on a fixed income. But the standard picture is consistent: Pennsylvania spreads its tax take across income (from dollar one), sales, and property, with local governments taking a cut of the first. No single tax is extreme. The accumulation is the story.
Frequently asked questions
Why doesn’t Pennsylvania have a standard deduction?
It simply never adopted one. The flat 3.07% rate was designed to be low enough to apply to nearly everything, and the legislature paired it with the tax forgiveness program for low-income households instead of a universal deduction.
What’s this extra tax on my payslip next to the state one?
Almost certainly your local Earned Income Tax. Most Pennsylvania workers pay around 1% combined to their municipality and school district, withheld by the employer and sent to a local collector. Philadelphia residents pay the city’s wage tax of 3.74% instead.
Is Pennsylvania’s 3.07% actually a good deal?
Depends where you’d otherwise live and what you earn. Against New York’s brackets it’s a bargain at high incomes. Against Ohio’s new 2.75%-above-$26,050 structure, a $75,000 earner pays about $1,000 more in Pennsylvania — before either state’s local taxes muddy the comparison.
Does Pennsylvania tax retirement income?
Generously, no — most retirement income, including pensions, 401(k) withdrawals after retirement age, and Social Security, is exempt. It’s one reason Pennsylvania draws retirees despite the from-dollar-one wage tax.
Use the calculator above to get your Pennsylvania state figure in seconds — then add your local EIT rate for the number your payslip will actually show. In this state, the local line is never optional reading.
These calculators are for guidance only and aren’t financial advice.