Philadelphia Paycheck Calculator 2026
Philadelphia Wage/Earnings Tax: 3.735% for residents and 3.425% for nonresidents who work in the city, effective July 1, 2026 (3.74%/3.43% from July 1, 2025 to June 30, 2026). Applies to all resident earnings regardless of work location. A single filer earning $75,000 in Philadelphia takes home about $56,436 a year (24.8% effective tax rate) — and a worker on the city's median full-time pay of $58,089 keeps about $3,738 a month.
Updated 2026-10-03 · Population 1,573,916 · Median household income $60,521 · Combined sales tax 8.000%
| Bi-weekly | Annual | |
|---|---|---|
| Gross pay | $2,307.69 | $60,000 |
| Federal income tax | -$193.08 | -$5,020 |
| Social Security (6.2%) | -$143.08 | -$3,720 |
| Medicare | -$33.46 | -$870 |
| Pennsylvania income tax | -$70.85 | -$1,842 |
| Unemployment Compensation (employee) | -$1.62 | -$42 |
| Philadelphia local tax | -$86.19 | -$2,241 |
| Take-home pay | $1,779.42 | $46,265 |
- Take-home $46,265 77.1%
- Federal income tax $5,020 8.4%
- Social Security $3,720 6.2%
- Medicare $870 1.5%
- State tax $1,884 3.1%
- Local tax $2,241 3.7%
Take-home pay vs. taxes at every income level in Philadelphia
- Take-home pay
- Total taxes
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2026 take-home pay in Philadelphia at common salaries
Single filer, standard deduction, paid bi-weekly, including Philadelphia local income tax. “Worth nationally” adjusts for Philadelphia-Camden-Wilmington, PA-NJ-DE-MD prices. “Rent share” is the median Philadelphia rent ($1,500/month) as a share of take-home.
| Salary | Federal | FICA | State + local | Take-home / yr | Per paycheck | Worth nationally | Rent share |
|---|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $2,063 | $24,223 | $932 | $23,619 | 74% |
| $50,000 | $3,820 | $3,825 | $3,438 | $38,918 | $1,497 | $37,948 | 46% |
| $75,000 | $7,670 | $5,738 | $5,156 | $56,436 | $2,171 | $55,031 | 32% |
| $100,000 | $13,170 | $7,650 | $6,875 | $72,305 | $2,781 | $70,504 | 25% |
| $150,000 | $24,734 | $11,475 | $10,313 | $103,479 | $3,980 | $100,901 | 17% |
| $250,000 | $51,304 | $15,514 | $17,188 | $165,995 | $6,384 | $161,861 | 11% |
Take-home pay on typical Philadelphia incomes
What common local incomes leave after 2026 federal, Pennsylvania, Philadelphia and payroll taxes.
| Income | Gross / yr | Taxes | Take-home / yr | Per month |
|---|---|---|---|---|
| Full-time minimum wage ($7.25/hr) | $15,080 | $2,190 | $12,890 | $1,074 |
| Median full-time worker | $58,089 | $13,228 | $44,861 | $3,738 |
| Median household (married, one earner) | $60,521 | $11,693 | $48,828 | $4,069 |
| Per-capita income (all residents) | $39,443 | Income per resident including children and retirees | ||
Housing costs vs take-home pay in Philadelphia
- Rent: median gross rent is $1,500 a month ($18,000 a year) — 40% of a median full-time worker's take-home pay, above the common 30% affordability guideline. To keep rent at 30% of take-home you need about $79,736 gross a year.
- Home values: the median owner-occupied home is worth $253,600, 4.2× the median household income.
- Property tax: the median homeowner pays $2,100 a year, an effective rate of about 0.83% of home value — $175 a month on top of the mortgage.
What a Philadelphia paycheck is worth
Prices in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area are 2.6% above the US average (BEA regional price parity 102.6, 2024; housing 113.1). Adjusting take-home pay for local prices:
| Salary | Take-home in Philadelphia | Worth at US-average prices |
|---|---|---|
| $50,000 | $38,918 | $37,948 |
| $75,000 | $56,436 | $55,031 |
| $100,000 | $72,305 | $70,504 |
| $150,000 | $103,479 | $100,901 |
Philadelphia vs other cities on $75,000
Philadelphia next to the other Pennsylvania cities we cover and the five cities where $75,000 goes about as far once taxes and local prices are counted ($55,031 in national prices here).
| City | Local income tax | Sales tax | Take-home | Price-adjusted |
|---|---|---|---|---|
| Seattle, WA | None | 10.55% | $60,552 | $54,486 |
| Denver, CO | None | 9.15% | $58,671 | $55,464 |
| Chicago, IL | None | 10.50% | $58,025 | $56,011 |
| Minneapolis, MN | None | 9.03% | $57,686 | $55,032 |
| Pittsburgh, PA | $2,250 | 7.00% | $56,988 | $60,195 |
| Wilmington, DE | $938 | 0.00% | $56,746 | $55,333 |
| Philadelphia | $2,801 | 8.00% | $56,436 | $55,031 |
Sales tax in Philadelphia
Philadelphia's combined rate of 8.000% is above the Pennsylvania average of 6.34%. A $1,000 purchase costs $1,080.00; if you spend $20,000 a year on taxable goods, that is about $1,600 in sales tax. Pennsylvania sales tax calculator.
Pennsylvania income tax rates for 2026
Single
| Taxable income over | Rate |
|---|---|
| $0 | 3.07% |
Standard deduction $0
Married filing jointly
| Taxable income over | Rate |
|---|---|
| $0 | 3.07% |
Standard deduction $0
Other Pennsylvania payroll deductions
- Unemployment Compensation (employee): 0.070% of wages (no wage cap)
Key facts about Philadelphia taxes
- Philadelphia has the highest local wage tax of any major US city: 3.735% for residents and 3.425% for nonresidents as of July 1, 2026.
- The city is cutting the wage tax a little each July under a multi-year reduction plan begun in tax year 2025.
- Nonresidents owe the tax only on pay for work physically performed in Philadelphia, and may request refunds for days worked outside the city.
- Sales tax is 8%: Pennsylvania's 6% plus a 2% Philadelphia local tax (PA Department of Revenue).
- Median household income is $60,521 (ACS 2024 1-year).
More on Pennsylvania brackets, deductions and federal withholding: Pennsylvania (PA) paycheck calculator.
More Pennsylvania calculators
- Pennsylvania (PA) paycheck calculator
- Pennsylvania income tax calculator
- Pennsylvania sales tax calculator
- Philadelphia paycheck calculator
- Pittsburgh paycheck calculator
- New York vs Pennsylvania taxes
- New Jersey vs Pennsylvania taxes
- Ohio vs Pennsylvania taxes
- Compare Pennsylvania with any state
What this calculator simplifies
- Pennsylvania does not allow deductions for 401(k) employee contributions; the calculator may not reflect this difference from federal treatment.
- Tax Forgiveness (Schedule SP) for low-income households, state tax credits and the Local Services Tax are not modeled.
- Pennsylvania compensation is defined differently from federal wages (e.g., some fringe benefits); the calculator applies 3.07% to gross wages.
Frequently asked questions
Does Philadelphia have a city income tax?
Philadelphia Wage/Earnings Tax: 3.735% for residents and 3.425% for nonresidents who work in the city, effective July 1, 2026 (3.74%/3.43% from July 1, 2025 to June 30, 2026). Applies to all resident earnings regardless of work location.
What is the sales tax in Philadelphia?
The combined sales tax rate in Philadelphia is 8.000%, including the Pennsylvania state rate of 6.00% — $80.00 on a $1,000 purchase.
How much is $75,000 after taxes in Philadelphia?
About $56,436 per year or $2,171 per bi-weekly paycheck for a single filer in 2026, including $2,801 of local income tax. Adjusted for local prices (Philadelphia-Camden-Wilmington, PA-NJ-DE-MD price level 102.6, US = 100) that buys what $55,031 would nationally.
What is the typical salary in Philadelphia?
Median earnings for full-time, year-round workers in Philadelphia are $58,089 (Census ACS). After 2026 taxes that leaves about $44,861 a year, or $3,738 a month.
What is the minimum wage in Philadelphia?
$7.25 an hour. Federal minimum wage under the Fair Labor Standards Act, in effect since July 24, 2009; Pennsylvania has no higher state minimum wage. Full-time that is $15,080 a year, or about $12,890 after tax.
How much is property tax in Philadelphia?
The median homeowner in Philadelphia pays $2,100 a year in real estate taxes on a median home value of $253,600 — an effective rate of about 0.83% (Census ACS).
Sources
Figures are taken from official government publications and were last reviewed on 2026-10-03.
- City of Philadelphia, Earnings Tax (employees)
- City of Philadelphia, Wage Tax (employers)
- PA Department of Revenue, Sales, Use and Hotel Occupancy Tax
- US Census Bureau ACS 2024 1-year via Census Reporter: population, home value, real estate taxes, gross rent, per capita income, full-time earnings (Philadelphia, PA)
- US Department of Labor, federal minimum wage ($7.25 under the FLSA)
- US Department of Labor, State Minimum Wage Laws (page updated July 1, 2026)
- US Bureau of Economic Analysis, Regional Price Parities by MSA (table MARPP), 2024 data released February 19, 2026
- BEA, Real Personal Income and Regional Price Parities methodology
- US Census Bureau, American Community Survey 2024 1-year estimates (tables B01003/B01001, B25077, B25103, B25064, B19301, B20018)
- PA Department of Revenue – Personal Income Tax
- PA Department of Labor & Industry – UC tax information
- Tax Foundation – 2026 State Tax Changes
- Rev. Proc. 2025-32 (2026 inflation adjustments incl. OBBBA)
- IRS: Tax inflation adjustments for tax year 2026, including OBBBA amendments