Pennsylvania vs Florida: Take-Home Pay Compared
On a $100,000 salary you take home $76,040 in Pennsylvania and $79,180 in Florida. That's $3,140 more per year ($262 a month) after moving to Florida.
| Pennsylvania | Florida | Difference | |
|---|---|---|---|
| Federal income tax | $13,170 | $13,170 | $0 |
| Social Security + Medicare | $7,650 | $7,650 | $0 |
| State income tax | $3,070 | $0 | -$3,070 |
| State payroll & local tax | $70 | $0 | -$70 |
| Take-home pay / year | $76,040 | $79,180 | $3,140 |
| Take-home / month | $6,337 | $6,598 | $262 |
| Total tax rate | 24.0% | 20.8% | -3.1% |
To match your Pennsylvania take-home pay, you would need about $95,500 in Florida.
Pennsylvania vs Florida at every salary
Single filer, 2026 tax year, no pre-tax deductions. Difference is Florida minus Pennsylvania.
| Salary | Pennsylvania | Florida | Yearly difference | Monthly |
|---|---|---|---|---|
| $40,000 | $33,064 | $34,320 | $1,256 | $105 |
| $50,000 | $40,785 | $42,355 | $1,570 | $131 |
| $60,000 | $48,506 | $50,390 | $1,884 | $157 |
| $75,000 | $59,238 | $61,593 | $2,355 | $196 |
| $100,000 | $76,040 | $79,180 | $3,140 | $262 |
| $125,000 | $92,779 | $96,704 | $3,925 | $327 |
| $150,000 | $109,081 | $113,791 | $4,710 | $393 |
| $200,000 | $142,647 | $148,927 | $6,280 | $523 |
| $250,000 | $175,332 | $183,182 | $7,850 | $654 |
Why the difference?
Federal income tax, Social Security, and Medicare are identical in both states, so the gap comes entirely from state-level taxes. Pennsylvania has a flat 3.07% income tax, while Florida has no income tax on wages. 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 Pennsylvania paycheck calculator and the Florida paycheck calculator.
Frequently asked questions
Is Florida cheaper than Pennsylvania for taxes?
For wage earners, Florida takes less of your paycheck. On a $100,000 salary a single filer keeps $3,140 more per year in Florida than in Pennsylvania ($262 per month). Pennsylvania has a flat 3.07% income tax; Florida has no income tax on wages.
How much is $100,000 in Pennsylvania worth in Florida?
To take home the same $76,040 you net on $100,000 in Pennsylvania, you would need a salary of about $95,500 in Florida.
How much will I save moving from Pennsylvania to Florida?
In income and payroll taxes, about $2,355 per year at $75,000, $3,140 at $100,000, and $4,710 at $150,000 (negative numbers mean you pay more in Florida). Sales, property, and housing costs are not included.