Pennsylvania Paycheck Calculator 2026
Pennsylvania has no state W-4: every employee is withheld at a flat 3.07% of compensation, with no allowances. Local Earned Income Tax, a Local Services Tax of up to $52 a year, and a 0.07% unemployment deduction also come out of wages.
Last updated: October 2026
Pay and filing
Annual gross: $65,000
Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.
Form W-4
Step 3: $2,200 per child and $500 per other dependent, a year.
For example education or child care credits you expect to claim.
Interest, dividends or other income with no withholding.
Deductions beyond the standard deduction, including deductible IRA contributions.
Retirement and benefits
$3,900 a year, capped at the $24,500 employee limit for 2026.
Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.
Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.
2026 limit $3,400.
2026 limit $7,500 per household ($3,750 married filing separately).
Paycheck breakdown (biweekly)
Annual summary
Pennsylvania paycheck rules for 2026
| State income tax, 2026 | Flat 3.07% |
|---|---|
| Deductions before tax | None: tax applies from the first dollar |
| Withholding certificate | Federal Form W-4 |
| Bonus (supplemental) withholding | Pennsylvania withholds its flat 3.07% on bonuses. |
| Mandatory payroll premiums | PA Unemployment Compensation (employee): 0.07%, no cap |
| Local income taxes | Pennsylvania municipalities and school districts levy an Earned Income Tax, typically around 1%, and Philadelphia charges 3.735% on residents and 3.425% on nonresidents from 1 July 2026. Pittsburgh residents pay 3%. |
| Reciprocity agreements | Yes, with Indiana, Maryland, New Jersey, Ohio, Virginia and West Virginia |
| Sales tax (for context) | 6.00% state, 6.34% average combined with local (rank 34 of 51) |
Worked example: $60,000 in Pennsylvania
Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.
| Gross pay | $2,307.69 |
| Federal income tax | -$193.08 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| Pennsylvania income tax | -$70.85 |
| PA Unemployment Compensation (employee) | -$1.62 |
| Take-home pay | $1,865.62 |
Pennsylvania take-home pay at different salaries
Single filer, paid every two weeks, standard W-4, no benefits, no local tax.
| Salary | Per paycheck | Per year | To Pennsylvania |
|---|---|---|---|
| $40,000 | $1,271.69 | $33,064 | $1,256 |
| $60,000 | $1,865.62 | $48,506 | $1,884 |
| $100,000 | $2,924.62 | $76,040 | $3,140 |
| $150,000 | $4,195.42 | $109,081 | $4,710 |
Living and working in Pennsylvania
Pennsylvania's state sales tax is 6.00%; with local add-ons the average combined rate is 6.34%, ranked 34 of 51 as of July 2026.
Pennsylvania does not allow a deduction for 401(k) contributions, so contributions are taxed going in and withdrawals are untaxed coming out. That is the reverse of the federal treatment.
In retirement: Pennsylvania does not tax retirement income of any kind for filers over 59½. Not Social Security, not pensions, not 401(k) or IRA withdrawals. It is the most generous treatment of retirement income of any state with an income tax.
Pennsylvania paycheck questions
How much is take-home pay on $60,000 in Pennsylvania?
A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,865.62 a paycheck in Pennsylvania ($48,506 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare, $70.85 to Pennsylvania income tax and $1.62 to state payroll premiums. That is $1,884 a year less than the same salary in a state with no income tax or payroll premiums.
How much Pennsylvania income tax comes out of each paycheck?
Flat 3.07% on every dollar of compensation: no standard deduction and no personal exemption. Nearly every municipality adds a local Earned Income Tax. On a $60,000 salary that works out to about $70.85 every two weeks, an effective 3.07% of gross pay.
What else does Pennsylvania take out of a paycheck?
PA Unemployment Compensation (employee): Pennsylvania employees pay 0.07% of all wages toward unemployment insurance. On $60,000 these total about $42 a year.
Are there local income taxes on Pennsylvania paychecks?
Yes. Pennsylvania municipalities and school districts levy an Earned Income Tax, typically around 1%, and Philadelphia charges 3.735% on residents and 3.425% on nonresidents from 1 July 2026. Pittsburgh residents pay 3%. Choose your city or county in the calculator, or enter its rate under “Other”.
I live in a neighboring state. Will Pennsylvania tax my paycheck?
Not if you live in Indiana, Maryland, New Jersey, Ohio, Virginia and West Virginia. Pennsylvania has reciprocal agreements with those states, so you can give your employer the state's nonresidence form and have only your home state's tax withheld. Without the form, Pennsylvania tax is withheld anyway and you must file a Pennsylvania return to get it back.
How are bonuses withheld in Pennsylvania?
Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For Pennsylvania: Pennsylvania withholds its flat 3.07% on bonuses.
More for Pennsylvania
- Pennsylvania income tax calculator for the full year
- Paycheck calculator for all states
- Bonus tax calculator