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 York vs Pennsylvania Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $1,151 less state income tax a year in Pennsylvania than in New York, which is about $96 a month. At $150,000 the gap is $3,205 in favor of Pennsylvania.
New York: up to 10.9%Pennsylvania: 3.07% flatUpdated October 10, 2026
Compare New York 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 York
22.5%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $3,453
- Payroll tax (FICA)
- $5,738
- Total tax
- $16,861
- Net income (annual)
- $58,140
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💰 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 York
Monthly gross$6,250
Monthly tax$1,405
Monthly take-home$4,845
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 York vs Pennsylvania: how the two systems differ
| New York | Pennsylvania | |
|---|---|---|
| Wage income tax | Progressive, 9 brackets | Flat 3.07% |
| Top rate | 10.9% | 3.07% |
| Lowest rate | 3.9% | 3.07% |
| Deductions and credits (single) | $8,000 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 | NY state tax | PA state tax | Difference | NY take-home | PA take-home |
|---|---|---|---|---|---|
| $30,000 | $1,023 | $921 | $102 less in Pennsylvania | $25,262 | $25,364 |
| $40,000 | $1,563 | $1,228 | $335 less in Pennsylvania | $32,757 | $33,092 |
| $50,000 | $2,103 | $1,535 | $568 less in Pennsylvania | $40,252 | $40,820 |
| $60,000 | $2,643 | $1,842 | $801 less in Pennsylvania | $47,747 | $48,548 |
| $75,000 | $3,453 | $2,303 | $1,151 less in Pennsylvania | $58,140 | $59,290 |
| $100,000 | $4,860 | $3,070 | $1,790 less in Pennsylvania | $74,320 | $76,110 |
| $150,000 | $7,810 | $4,605 | $3,205 less in Pennsylvania | $105,981 | $109,186 |
| $250,000 | $13,962 | $7,675 | $6,287 less in Pennsylvania | $169,220 | $175,507 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | NY state tax | PA state tax | Difference | NY take-home | PA take-home |
|---|---|---|---|---|---|
| $75,000 | $2,851 | $2,303 | $548 less in Pennsylvania | $61,772 | $62,320 |
| $100,000 | $4,201 | $3,070 | $1,131 less in Pennsylvania | $80,509 | $81,640 |
| $150,000 | $6,901 | $4,605 | $2,296 less in Pennsylvania | $116,284 | $118,580 |
| $250,000 | $12,663 | $7,675 | $4,988 less in Pennsylvania | $184,805 | $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 York is the lower-tax state up to roughly $27,500 of income, and Pennsylvania becomes the lower-tax state above that.
Rates side by side
New York (single filers)
| 3.9% | Up to $8,500 |
| 4.4% | $8,501 to $11,700 |
| 5.15% | $11,701 to $13,900 |
| 5.4% | $13,901 to $80,650 |
| 5.9% | $80,651 to $215,400 |
| 6.85% | $215,401 to $1,077,550 |
| 9.65% | $1,077,551 to $5,000,000 |
| 10.3% | $5,000,001 to $25,000,000 |
| 10.9% | Over $25,000,000 |
Pennsylvania (single filers)
| 3.07% | Over $0 |
- New York: New York City and Yonkers residents also pay a local income tax (New York City is roughly 3.1% to 3.9%), which is not included here.
- Pennsylvania: Pennsylvania localities also levy an earned income tax, usually around 1%, which is not included here.
Full details for each state: New York income tax calculator and Pennsylvania income tax calculator. Federal rates are on the 2026 federal tax brackets page.
New York vs Pennsylvania FAQ
Which has lower income tax, New York or Pennsylvania?+
Pennsylvania is lower at $75,000: $2,303 of state income tax versus $3,453 in New York. At $150,000 it is $7,810 in New York and $4,605 in Pennsylvania. For a single filer, New York is the lower-tax state up to roughly $27,500 of income, and Pennsylvania becomes the lower-tax state above that.
How much more do I keep on $100,000 in New York versus Pennsylvania?+
A single filer keeping $74,320 a year in New York would keep $76,110 in Pennsylvania after federal, state and payroll tax. The difference is $1,790 a year, or $149 a month.
How do the New York and Pennsylvania income tax systems differ?+
New York uses progressive rates up to 10.9%; 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 York 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 York 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.
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Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.