State income tax (top rate)
3.07%
Property tax (avg effective)
1.53%
PTET workaround
Not available
Pennsylvania tax notes
- Flat 3.07% state income tax. Local Earned Income Tax (typically 1%) on top. Property tax averages 1.53%.
Sample tax numbers for Pennsylvania
Quick orientation — use the full calculator for your actual situation.
State income tax on $100,000 taxable$1,535
Property tax on $400,000 home (avg)$6,120
SALT deduction usable (capped at $10k)$7,655
Tax moves that matter most for Pennsylvania
S-Corp election for self-employed
At net SE income above ~$80k-$100k, electing S-Corp typically saves $5k-$15k/yr in self-employment tax — the math is largely federal but affects Pennsylvania state tax via PTET (if applicable).
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Solo 401(k) for self-employed retirement
If you have 1099 income, Solo 401(k) lets you contribute up to $70,000/yr (2025) — far more than SEP-IRA in most cases. Reduces both federal and Pennsylvania state income tax.
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Run your Pennsylvania numbers
Open the full optimizer with Pennsylvania pre-selected to see your specific tax picture.
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