New York vs Pennsylvania: Take-Home Pay Compared
On a $100,000 salary you take home $73,877 in New York and $76,040 in Pennsylvania. That's $2,163 more per year ($180 a month) after moving to Pennsylvania.
| New York | Pennsylvania | Difference | |
|---|---|---|---|
| Federal income tax | $13,170 | $13,170 | $0 |
| Social Security + Medicare | $7,650 | $7,650 | $0 |
| State income tax | $4,860 | $3,070 | -$1,790 |
| State payroll & local tax | $443 | $70 | -$373 |
| Take-home pay / year | $73,877 | $76,040 | $2,163 |
| Take-home / month | $6,156 | $6,337 | $180 |
| Total tax rate | 26.1% | 24.0% | -2.2% |
To match your New York take-home pay, you would need about $96,800 in Pennsylvania.
New York vs Pennsylvania at every salary
Single filer, 2026 tax year, no pre-tax deductions. Difference is Pennsylvania minus New York.
| Salary | New York | Pennsylvania | Yearly difference | Monthly |
|---|---|---|---|---|
| $40,000 | $32,553 | $33,064 | $511 | $43 |
| $50,000 | $40,005 | $40,785 | $780 | $65 |
| $60,000 | $47,457 | $48,506 | $1,049 | $87 |
| $75,000 | $57,784 | $59,238 | $1,453 | $121 |
| $100,000 | $73,877 | $76,040 | $2,163 | $180 |
| $125,000 | $89,728 | $92,779 | $3,050 | $254 |
| $150,000 | $105,057 | $109,081 | $4,024 | $335 |
| $200,000 | $137,156 | $142,647 | $5,491 | $458 |
| $250,000 | $166,792 | $175,332 | $8,540 | $712 |
Why the difference?
Federal income tax, Social Security, and Medicare are identical in both states, so the gap comes entirely from state-level taxes. New York has income tax rates from 3.90% to 10.90%, while Pennsylvania has a flat 3.07% income tax. New York also withholds NY disability insurance (SDI) and NY Paid Family Leave. Pennsylvania also withholds PA unemployment compensation.
Income tax is only part of the picture: states without an income tax often rely more on sales and property taxes, and housing costs vary far more than taxes do. Use this comparison for your paycheck, then weigh it against rent or mortgage costs in the cities you are considering.
Commuting across the line instead of moving? Read how taxes work when you live in one state and work in another. See the full breakdowns in the New York paycheck calculator and the Pennsylvania paycheck calculator.
Frequently asked questions
Is Pennsylvania cheaper than New York for taxes?
For wage earners, Pennsylvania takes less of your paycheck. On a $100,000 salary a single filer keeps $2,163 more per year in Pennsylvania than in New York ($180 per month). New York has income tax rates from 3.90% to 10.90%; Pennsylvania has a flat 3.07% income tax.
How much is $100,000 in New York worth in Pennsylvania?
To take home the same $73,877 you net on $100,000 in New York, you would need a salary of about $96,800 in Pennsylvania.
How much will I save moving from New York to Pennsylvania?
In income and payroll taxes, about $1,453 per year at $75,000, $2,163 at $100,000, and $4,024 at $150,000 (negative numbers mean you pay more in Pennsylvania). Sales, property, and housing costs are not included.