1Pennsylvania
Lowest20.9%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,303
- Payroll tax (FICA)
- $5,738
- Total tax
- $15,710
- Net income (annual)
- $59,290
Tax year 2026 · state vs state
New Mexico vs Pennsylvania Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $57 less state income tax a year in Pennsylvania than in New Mexico, which is about $5 a month. At $150,000 the gap is $1,414 in favor of Pennsylvania.
New Mexico: up to 5.9%Pennsylvania: 3.07% flatUpdated October 10, 2026
Compare New Mexico and Pennsylvania for your income
Estimate for education only, not tax advice. 2026 federal and state rules, standard deductions, no local taxes. How we calculate.
State comparison
Comparing 2 states, sorted by lowest overall tax rate.
2New Mexico
21.0%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,359
- Payroll tax (FICA)
- $5,738
- Total tax
- $15,767
- Net income (annual)
- $59,233
Advanced analysis (optional)
Choose which extra insights you would like to see.
💰 Monthly breakdown
Your take-home pay, spread across the year
Pennsylvania
Monthly gross$6,250
Monthly tax$1,309
Monthly take-home$4,941
New Mexico
Monthly gross$6,250
Monthly tax$1,314
Monthly take-home$4,936
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
New Mexico vs Pennsylvania: how the two systems differ
| New Mexico | Pennsylvania | |
|---|---|---|
| Wage income tax | Progressive, 6 brackets | Flat 3.07% |
| Top rate | 5.9% | 3.07% |
| Lowest rate | 1.5% | 3.07% |
| Deductions and credits (single) | $16,100 standard deduction | None in this model |
State income tax and take-home pay at every salary
The same salary can leave you with different take-home pay depending on the state. This table applies each state’s 2026 rules to a single filer with no pre-tax contributions.
| Income | NM state tax | PA state tax | Difference | NM take-home | PA take-home |
|---|---|---|---|---|---|
| $30,000 | $351 | $921 | $570 less in New Mexico | $25,934 | $25,364 |
| $40,000 | $753 | $1,228 | $475 less in New Mexico | $33,567 | $33,092 |
| $50,000 | $1,184 | $1,535 | $351 less in New Mexico | $41,171 | $40,820 |
| $60,000 | $1,654 | $1,842 | $188 less in New Mexico | $48,736 | $48,548 |
| $75,000 | $2,359 | $2,303 | $57 less in Pennsylvania | $59,233 | $59,290 |
| $100,000 | $3,569 | $3,070 | $499 less in Pennsylvania | $75,611 | $76,110 |
| $150,000 | $6,019 | $4,605 | $1,414 less in Pennsylvania | $107,772 | $109,186 |
| $250,000 | $11,158 | $7,675 | $3,483 less in Pennsylvania | $172,024 | $175,507 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | NM state tax | PA state tax | Difference | NM take-home | PA take-home |
|---|---|---|---|---|---|
| $75,000 | $1,429 | $2,303 | $873 less in New Mexico | $63,193 | $62,320 |
| $100,000 | $2,576 | $3,070 | $494 less in New Mexico | $82,134 | $81,640 |
| $150,000 | $4,961 | $4,605 | $356 less in Pennsylvania | $118,224 | $118,580 |
| $250,000 | $9,861 | $7,675 | $2,186 less in Pennsylvania | $187,607 | $189,793 |
Married filing jointly, 2026, federal standard deduction. Uses each state's joint brackets where they differ.
Does the lower-tax state change as income rises?
For a single filer, New Mexico is the lower-tax state up to roughly $72,500 of income, and Pennsylvania becomes the lower-tax state above that.
Rates side by side
New Mexico (single filers)
| 1.5% | Up to $5,500 |
| 3.2% | $5,501 to $16,500 |
| 4.3% | $16,501 to $33,500 |
| 4.7% | $33,501 to $66,500 |
| 4.9% | $66,501 to $210,000 |
| 5.9% | Over $210,000 |
Pennsylvania (single filers)
| 3.07% | Over $0 |
- Pennsylvania: Pennsylvania localities also levy an earned income tax, usually around 1%, which is not included here.
Full details for each state: New Mexico income tax calculator and Pennsylvania income tax calculator. Federal rates are on the 2026 federal tax brackets page.
New Mexico vs Pennsylvania FAQ
Which has lower income tax, New Mexico or Pennsylvania?+
Pennsylvania is lower at $75,000: $2,303 of state income tax versus $2,359 in New Mexico. At $150,000 it is $6,019 in New Mexico and $4,605 in Pennsylvania. For a single filer, New Mexico is the lower-tax state up to roughly $72,500 of income, and Pennsylvania becomes the lower-tax state above that.
How much more do I keep on $100,000 in New Mexico versus Pennsylvania?+
A single filer keeping $75,611 a year in New Mexico would keep $76,110 in Pennsylvania after federal, state and payroll tax. The difference is $499 a year, or $42 a month.
How do the New Mexico and Pennsylvania income tax systems differ?+
New Mexico uses progressive rates up to 5.9%; Pennsylvania uses a flat 3.07% rate. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this New Mexico vs Pennsylvania comparison?+
No. It covers federal income tax, Social Security, Medicare and state income tax only. City, county, sales and property taxes are not included, and they can change the real cost of living in each state.
Should I move from New Mexico to Pennsylvania to save on taxes?+
State income tax is one cost among many. Property and sales taxes, housing, insurance and wages also differ, and you may owe tax to both states in the year you move. Use this comparison as one input and confirm details with a tax professional.
Sources
- Tax Foundation: 2026 state individual income tax rates and brackets
- IRS: Tax inflation adjustments for tax year 2026
Last checked October 10, 2026. Confirm with your state tax agency before filing.
More state comparisons
- New Mexico vs Texas
- California vs New Mexico
- Florida vs New Mexico
- New Mexico vs New York
- Pennsylvania vs Texas
- California vs Pennsylvania
- Florida vs Pennsylvania
- New York vs Pennsylvania
- All state comparisons →
Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.