Philadelphia Paycheck Calculator (2026)
Philadelphia's wage tax is about 3.75% for residents and 3.44% for non-residents who work in the city.
Updated October 2026
| Rate | Income in bracket | Tax |
|---|---|---|
| 10% | $12,400 | $1,240 |
| 12% | $38,000 | $4,560 |
| 22% | $850 | $187 |
The calculator above covers federal, FICA and Pennsylvania tax. Philadelphia’s local tax is $2,813 on a $75,000 salary — add it under Custom rate, or read the exact figures in the tables below.
How Philadelphia taxes your paycheck
The Philadelphia Wage Tax is the highest big-city wage tax in the country and applies to gross wages with no deductions. Crucially it follows the job, not just the home: if you work in Philadelphia you pay it even if you live in the suburbs, and if you live in Philadelphia you pay the resident rate even when you work elsewhere. Pennsylvania's own income tax is a flat 3.07%, so a Philadelphia resident's combined rate is close to 6.8%.
Rate source: City of Philadelphia Department of Revenue. Verified for the 2026 filing year.
Philadelphia local tax at a glance
| Salary | Local tax | Effective local rate | Per month |
|---|---|---|---|
| $40,000 | $1,500 | 3.75% | $125.00 |
| $50,000 | $1,875 | 3.75% | $156.25 |
| $60,000 | $2,250 | 3.75% | $187.50 |
| $75,000 | $2,813 | 3.75% | $234.38 |
| $100,000 | $3,750 | 3.75% | $312.50 |
| $150,000 | $5,625 | 3.75% | $468.75 |
3.75% of gross wages (resident rate), with no deductions.
Living in Philadelphia vs commuting in
This is the part people get wrong. Philadelphia charges different amounts depending on whether you live inside the city limits or only work there, so two colleagues doing the same job for the same salary can take home different amounts.
| Salary | Resident: take-home | Non-resident: take-home | Difference |
|---|---|---|---|
| $40,000 | $31,592 | $31,716 | $124 |
| $50,000 | $38,945 | $39,100 | $155 |
| $60,000 | $46,298 | $46,484 | $186 |
| $75,000 | $56,478 | $56,710 | $233 |
| $100,000 | $72,360 | $72,670 | $310 |
| $150,000 | $103,561 | $104,026 | $465 |
Philadelphia take-home pay by salary (2026)
Annual take-home for a Philadelphia resident with no 401(k) or health deductions, after federal tax, FICA, Pennsylvania income tax, and local tax:
| Gross salary | Take-home (single) | Monthly | Biweekly | Married (one income) |
|---|---|---|---|---|
| $40,000 | $31,592 | $2,633 | $1,215.08 | $33,432 |
| $50,000 | $38,945 | $3,245 | $1,497.88 | $40,985 |
| $60,000 | $46,298 | $3,858 | $1,780.69 | $48,478 |
| $75,000 | $56,478 | $4,706 | $2,172.21 | $59,508 |
| $100,000 | $72,360 | $6,030 | $2,783.08 | $77,890 |
| $150,000 | $103,561 | $8,630 | $3,983.12 | $112,955 |
Where a $75,000 Philadelphia paycheck actually goes
| Item | Amount | % of gross |
|---|---|---|
| Gross salary | $75,000 | 100% |
| Federal income tax | −$7,670 | 10.2% |
| Social Security & Medicare | −$5,738 | 7.6% |
| Pennsylvania income tax | −$2,303 | 3.1% |
| Philadelphia local tax | −$2,813 | 3.75% |
| Take-home | $56,478 | 75.3% |
The local line is the one nobody budgets for when comparing offers: $2,813 a year is $234.38 out of every month, and it is larger here than Pennsylvania's own income tax.
Philadelphia compared with other cities
Take-home on the same $75,000 single salary, so the only thing changing is state and local tax:
| City | Take-home on $75,000 | vs Philadelphia |
|---|---|---|
| Philadelphia, PA | $56,478 | — |
| New York City, NY | $55,600 | −$877 |
| Yonkers, NY | $57,483 | +$1,005 |
| Pittsburgh, PA | $57,040 | +$563 |
| Columbus, OH | $58,371 | +$1,894 |
| Cleveland, OH | $58,371 | +$1,894 |
| Cincinnati, OH | $58,896 | +$2,419 |
A no-income-tax state like Texas or Florida would leave about $61,593 from the same salary — $5,115 more than Philadelphia. That gap is real, but so is the cost of living on either side of it, which is why the honest comparison is always take-home relative to rent, not take-home alone.
Hourly work in Philadelphia
Common hourly rates at 40 hours a week, after all taxes including local tax:
| Hourly rate | Gross per year | Take-home per year | Take-home biweekly |
|---|---|---|---|
| $15/hour | $31,200 | $25,121 | $966.21 |
| $18/hour | $37,440 | $29,710 | $1,142.68 |
| $20/hour | $41,600 | $32,768 | $1,260.33 |
| $25/hour | $52,000 | $40,416 | $1,554.45 |
| $30/hour | $62,400 | $48,063 | $1,848.57 |
| $35/hour | $72,800 | $55,080 | $2,118.46 |
| $40/hour | $83,200 | $61,687 | $2,372.58 |
| $50/hour | $104,000 | $74,901 | $2,880.82 |
Frequently asked questions
Does Philadelphia have a city income tax?
Yes. Philadelphia's wage tax is about 3.75% for residents and 3.44% for non-residents who work in the city. The Philadelphia Wage Tax is the highest big-city wage tax in the country and applies to gross wages with no deductions. Crucially it follows the job, not just the home: if you work in Philadelphia you pay it even if you live in the suburbs, and if you live in Philadelphia you pay the resident rate even when you work elsewhere. Pennsylvania's own income tax is a flat 3.07%, so a Philadelphia resident's combined rate is close to 6.8%.
How much is $75,000 after taxes in Philadelphia?
About $56,478 a year — roughly $4,706 a month or $2,172.21 biweekly — for a single filer with no 401(k) or health deductions. That is federal income tax, Social Security and Medicare, Pennsylvania income tax, and $2,813 of Philadelphia local tax. The overall effective rate is 24.7%.
What is the Philadelphia local tax rate?
3.75% of gross wages (resident rate), with no deductions. On a $75,000 salary that works out to $2,813 a year (3.75% of gross); on $150,000 it is $5,625 (3.75%). Rate published by the City of Philadelphia Department of Revenue.
Do I pay Philadelphia tax if I live outside the city?
Yes, at the non-resident rate. On $75,000 a resident pays $2,813 and a non-resident $2,580. Where you live on the day you are paid is what decides it, so tell your payroll department when you move.
Is take-home pay in Philadelphia better or worse than elsewhere in Pennsylvania?
Worse, by the amount of the local tax. A $75,000 earner elsewhere in Pennsylvania with no municipal tax keeps about $59,290; in Philadelphia it is $56,478, a difference of roughly $2,813 a year.
How accurate is this calculator?
Federal tax and FICA use the exact 2026 IRS formulas with the standard deduction. Pennsylvania tax comes from the state's own brackets and deduction. The Philadelphia figure uses the published rate from the City of Philadelphia Department of Revenue. Local rates change more often than state ones — check your latest payslip if the number looks off. Credits, local exemptions and pre-tax benefits beyond the ones you enter are not modelled.
More for Pennsylvania
The Pennsylvania paycheck calculator covers the state-level rules, brackets and bonus withholding in full, and these other cities in the state have their own local taxes:
PittsburghPhiladelphia Suburbs
Salary breakdowns for Pennsylvania
$50,000 in Pennsylvania$60,000 in Pennsylvania$75,000 in Pennsylvania$80,000 in Pennsylvania$100,000 in Pennsylvania$120,000 in Pennsylvania$150,000 in Pennsylvania$60,000 a year$75,000 a year$100,000 a year
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