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Pennsylvania · tax year 2026

Philadelphia paycheck calculator

People in Philadelphia pay a local income tax of 3.735% for residents and 3.425% for people who only work there on top of Pennsylvania income tax. On $85,000 a year, a single person takes home about $62,784, or $2,414.75 every two weeks.

How often you are paid
Retirement and benefits 401(k), HSA, health insurance

A 403(b), 457 or TSP works the same way as a 401(k) here. Amounts below are for the whole year.

Bonus, tips and overtime including the new federal deductions
W-4 and other details second job, extra withholding, contractor
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Estimated take-home pay · 2026

Biweekly pay · Single · Philadelphia, Pennsylvania

Example

$2,414.75 per paycheck

from $3,269.23 before taxes · 26 paychecks a year

You keep$73.86of every $100 earned
Taxes take26.1%of gross pay, $22,216 a year
Of your next $1,000$635is yours to keep
After tax, an hour is worth$30.18at 2,080 paid hours a year

Where each dollar goes

  • Take-home pay73.9%$62,784
  • Federal income tax11.6%$9,870
  • Social Security and Medicare7.6%$6,503
  • State taxes3.1%$2,669
  • Local taxes3.7%$3,175

Line by line

Per paycheckPer year

Pay

Gross pay$3,269.23$85,000

Taxes

Federal income tax$379.62$9,870

2026 brackets after the $16,100 standard deduction, worked out for the year and spread over your paychecks. IRS Rev. Proc. 2025-32

Social Security$202.69$5,270

6.2% of wages up to $184,500. Traditional 401(k) contributions do not reduce it. SSA wage base · 2026

Medicare$47.40$1,233

1.45% of wages, with no cap. IRS Pub. 15 · 2026

Pennsylvania income tax$100.37$2,610

Pennsylvania taxes wages at a flat 3.07% with no standard deduction or exemption. Almost every municipality adds a local earned income tax. Pennsylvania · 2026

Pennsylvania unemployment compensation$2.29$60

Pennsylvania employees pay 0.07% of all wages toward unemployment compensation. There is no wage cap. PA L&I · 2026

Philadelphia$122.11$3,175

Resident rate 3.735%. It is charged on gross wages. 401(k) and benefit contributions do not reduce it. Philadelphia wage tax · effective July 1, 2026

Take-home pay$2,414.75$62,784

Tap a line to see how it was worked out. Each paycheck is the year's figure divided by 26 and rounded to the cent.

Show the math

Federal income tax for the year

Wages$85,000.00
Standard deduction−$16,100.00
Taxable income$68,900.00
Tax from the 2026 brackets$9,870.00
Federal income tax$9,870.00

Pennsylvania income tax for the year

Wages taxed by the state$85,000.00
Taxable income$85,000.00
Tax from the rate schedule$2,609.50
Pennsylvania income tax$2,609.50
Sources for these figures

What if

A $5,000 raise+$3,174 a yearYou keep $63 of each extra $100.
1% more into a 401(k)$850 saved a yearTake-home falls by only $25.50 a paycheck, because the tax bill drops too.
A $5,000 bonus$3,174 after taxEmployers often withhold more than this up front; the difference comes back at tax time.
+$5,844 a yearTexas, with no city tax. Compare side by side

Estimate for tax year 2026. Your real paycheck depends on your W-4, your benefits and your employer's payroll system. This is education, not tax, payroll or financial advice.

Take-home pay in Philadelphia by salary

Single filer living in Philadelphia, no dependents, no retirement or benefit deductions. Tax year 2026.
SalaryFederal income taxSocial Security and MedicareState income taxState payrollLocal taxTake-home a yearA monthEvery 2 weeks
$30,000$1,420$2,295$921$21$1,121$24,223$2,019$931.63
$40,000$2,620$3,060$1,228$28$1,494$31,570$2,631$1,214.23
$50,000$3,820$3,825$1,535$35$1,868$38,918$3,243$1,496.83
$60,000$5,020$4,590$1,842$42$2,241$46,265$3,855$1,779.41
$75,000$7,670$5,738$2,303$53$2,801$56,436$4,703$2,170.62
$100,000$13,170$7,650$3,070$70$3,735$72,305$6,025$2,780.96
$150,000$24,734$11,475$4,605$105$5,603$103,479$8,623$3,979.94
$200,000$36,734$14,339$6,140$140$7,470$135,177$11,265$5,199.12

The Philadelphia local income tax

Rates effective July 1, 2026: 3.735% for residents and 3.425% for nonresidents who work in the city (3.74% and 3.43% from July 1, 2025 through June 30, 2026). The estimate applies the current rate to the whole year. The wage tax is charged on gross compensation; 401(k) contributions do not reduce it.

  • Philadelphia: $3,175 a year on $85,000 (3.735%)

For a single person on $85,000, that is $3,175 a year on top of state and federal tax: about $122.11 from each biweekly paycheck.

Philadelphia local tax on $85,000 a year
YouLocal tax a yearTake-home a year
Live in the city$3,175$62,784
Only work there$2,911$63,047

Source: City of Philadelphia, Wage Tax (employers). Last checked October 11, 2026.

Pennsylvania taxes in Philadelphia

Pennsylvania taxes wages at a flat 3.07% with no standard deduction or exemption. Almost every municipality adds a local earned income tax. Elsewhere in Pennsylvania, with no local tax, the same $85,000 leaves $65,959.

Pennsylvania paycheck calculator and tax rates

Philadelphia against other cities

Single person earning $85,000 a year and living in each place. Taxes only; living costs are not counted.
PlaceState taxesLocal taxTake-home a yearAgainst Philadelphia
Philadelphia$2,669$3,175$62,784
New York City$4,391$2,860$61,376−$1,407
Los Angeles$4,621$0$64,007+$1,223
Chicago$4,063$0$64,565+$1,781
Houston$0$0$68,628+$5,844
Phoenix$1,731$0$66,896+$4,113
Seattle$1,179$0$67,448+$4,665
Miami$0$0$68,628+$5,844

Compare Philadelphia with anywhere else · All cities

Philadelphia paycheck questions

How much is $60,000 a year after taxes in Philadelphia?

About $46,265 a year, or $3,855 a month, for a single person with no other deductions. Federal income tax takes $5,020, Social Security and Medicare $4,590, Pennsylvania income tax $1,842, state payroll programs $42 and the local tax $2,241.

Does Philadelphia have a city income tax?

Yes: 3.735% for residents and 3.425% for people who only work there. On $85,000 a year it comes to $3,175.

What taxes come out of a paycheck in Philadelphia?

Federal income tax, Social Security (6.2%) and Medicare (1.45%), Pennsylvania income tax (3.07% flat), Pennsylvania unemployment compensation, and the Philadelphia local tax.

I work in Philadelphia but live somewhere else. Do I pay the tax?

Usually yes, at 3.425%. Untick “I live there” in the calculator to see it.

Sources

Figures last checked on October 11, 2026. If something looks wrong, tell us.

Calculator by LocalTakehome