On a $65,000 salary, Philadelphia's local tax adds an estimated $2,428 a year on top of Pennsylvania state and federal tax, leaving $49,984 take-home.
| Rate (resident, on gross wages) | 3.735% |
|---|---|
| Non-resident rate | 3.425% |
| Estimated annual local tax | $2,428 |
2026 estimates for a single filer with no pre-tax contributions. Each salary links to the same figure for Pennsylvania without the Philadelphia tax.
| Salary | Philadelphia tax | Pennsylvania income tax | Federal income tax | Social Security + Medicare | Take-home |
|---|---|---|---|---|---|
| $50,000 | $1,868 | $1,535 | $3,820 | $3,825 | $38,953 |
| $75,000 | $2,801 | $2,303 | $7,670 | $5,738 | $56,489 |
| $100,000 | $3,735 | $3,070 | $13,170 | $7,650 | $72,375 |
| $125,000 | $4,669 | $3,838 | $18,734 | $9,563 | $88,197 |
| $150,000 | $5,603 | $4,605 | $24,734 | $11,475 | $103,584 |
| $200,000 | $7,470 | $6,140 | $36,734 | $14,339 | $135,317 |
Philadelphia residents pay 3.735% (effective July 1, 2026) on gross compensation. Non-residents who work in Philadelphia but live elsewhere pay a lower 3.425% -- this calculator estimates the resident rate; a commuter's actual withholding will be less than shown.
No. Philadelphia's wage tax applies to gross compensation before any pre-tax deduction, unlike federal and Pennsylvania state tax, which do exclude a traditional 401(k) contribution. A dollar deferred still counts as taxable wages for this tax.
Philadelphia's wage tax generally follows where the work is actually performed, not where the employer is headquartered -- a fully remote employee who never sets foot in the city is generally not subject to it, though the rule has had COVID-era exceptions in the past. Check your specific situation against the city's current guidance.
Pennsylvania’s tax treatment traces to Pennsylvania DOR — REV-413(I), 2026 Instructions for Estimating PA Personal Income Tax. Sources were reviewed through August 9, 2026.
Read the calculation methodology