Philadelphia, Pennsylvania paycheck calculator
Philadelphia residents pay the 3.735% Wage Tax on all their wages, wherever they work. People who work in the city but live elsewhere pay 3.425%. Unlike the rest of Pennsylvania, 401(k) contributions and health premiums do not reduce it. On a $60,000 salary a resident pays $2,241.00 a year.
Your paycheck
Take-home per paycheck$1,779.41
| Item | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,307.69 | $60,000.00 |
| Federal income tax | -$193.08 | -$5,020.08 |
| Social Security | -$143.08 | -$3,720.00 |
| Medicare | -$33.46 | -$870.00 |
| Pennsylvania income tax | -$70.85 | -$1,842.00 |
| Philadelphia Wage Tax (resident) | -$86.19 | -$2,241.00 |
| PA unemployment (employee share) | -$1.62 | -$42.00 |
| Take-home pay | $1,779.41 | $46,264.92 |
Local tax rate 3.735%. Total taxes are 22.9% of gross pay.
Estimates for planning only, not tax advice. Your employer's payroll may differ. Results assume you live and work in Pennsylvania.
Philadelphia local taxes
| Tax | Rate | Who pays |
|---|---|---|
| Wage Tax, residents | 3.735% | Philadelphia residents, wherever they work |
| Wage Tax, non-residents | 3.425% | People who work in Philadelphia and live elsewhere |
| Local services tax | None | Philadelphia does not charge one |
Tax collector: CITY OF PHILADELPHIA, (215) 686-6600.
Take-home pay in Philadelphia at common salaries
Single filer, paid every two weeks, living and working in Philadelphia, no 401(k).
| Salary | Take-home per year | Per paycheck | Wage Tax per year |
|---|---|---|---|
| $40,000 | $31,569.98 | $1,214.23 | $1,494.00 |
| $60,000 | $46,264.92 | $1,779.41 | $2,241.00 |
| $80,000 | $59,609.94 | $2,292.69 | $2,988.00 |
| $100,000 | $72,304.96 | $2,780.96 | $3,735.00 |
Commuting into or out of Philadelphia
If you live in Philadelphia and work in the suburbs, your employer still withholds the 3.735% resident Wage Tax, and you pay the local services tax of the place you work. If you live outside the city and work in Philadelphia, your employer withholds the 3.425% non-resident Wage Tax instead of your home earned income tax. Your home municipality credits it, so you usually owe nothing more there unless your home rate is higher.
Why a 401(k) saves less tax in Pennsylvania
401(k) contributions lower your federal income tax, but Pennsylvania taxes them: the 3.07% state tax and the Philadelphia Wage Tax still apply to the money you put in. Health premiums taken out under a Section 125 plan lower your state tax but not the Wage Tax.
Other large Pennsylvania municipalities
- Pittsburgh 3%
- Allentown 1.975%
- Reading 3.6%
- Erie 1.65%
- Upper Darby Township 1%
Sources
- Local earned income tax and local services tax: PA DCED tax register (PSD codes and EIT rates)
- Pennsylvania income tax (3.07%): PA Department of Revenue; unemployment: PA Department of Labor & Industry
- Philadelphia Wage Tax: City of Philadelphia
- Federal withholding: IRS Publication 15-T (2026); Social Security and Medicare: IRS Publication 15 (2026)
Rates current as of October 9, 2026. See how we calculate for every rule we apply.