New Jersey vs Pennsylvania Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $350 more a year in Pennsylvania than in New Jersey ($29 a month).
New Jersey
1.4% - 10.75% state income tax
$58,939
take-home on $75,000 · $4,912/month
23rd of 51 states for take-home pay
New Jersey paycheck calculator ›Pennsylvania
3.07% flat state income tax
$59,290
take-home on $75,000 · $4,941/month
16th of 51 states for take-home pay
Pennsylvania paycheck calculator ›Take-home pay in New Jersey and Pennsylvania by salary
| Salary | New Jersey | Pennsylvania | Difference |
|---|---|---|---|
| $40,000 | $33,602 | $33,092 | $510 more in New Jersey |
| $50,000 | $41,084 | $40,820 | $264 more in New Jersey |
| $60,000 | $48,566 | $48,548 | $18 more in New Jersey |
| $75,000 | $58,939 | $59,290 | $350 more in Pennsylvania |
| $100,000 | $74,934 | $76,110 | $1,176 more in Pennsylvania |
| $125,000 | $90,865 | $92,866 | $2,000 more in Pennsylvania |
| $150,000 | $106,360 | $109,186 | $2,826 more in Pennsylvania |
| $200,000 | $138,311 | $142,787 | $4,476 more in Pennsylvania |
Single filer, standard deduction, no local tax. To match $75,000 in New Jersey you would need about $74,500 in Pennsylvania; to match $75,000 in Pennsylvania you would need about $75,550 in New Jersey.
How New Jersey and Pennsylvania tax wages
| 2026 | New Jersey | Pennsylvania |
|---|---|---|
| Income tax | 7 brackets from 1.4% to 10.75% | a flat 3.07% income tax |
| Top rate | 10.75% | 3.07% |
| Standard deduction | None (exemptions or credits only) | None (exemptions or credits only) |
| State tax on $75k | $2,653 (3.5%) | $2,303 (3.1%) |
| Local wage taxes | No | Yes (13 modeled) |
| Reciprocity | Pennsylvania | New Jersey, Ohio, Virginia, West Virginia, Indiana, Maryland |
New Jersey vs Pennsylvania: FAQ
Does New Jersey or Pennsylvania have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $350 more a year in Pennsylvania than in New Jersey ($29 a month). New Jersey has 7 brackets from 1.4% to 10.75% for 2026. For single filers the top 10.75% rate starts at $1,000,000 of taxable income. Pennsylvania has a flat 3.07% income tax for 2026.
What salary in Pennsylvania equals $75,000 in New Jersey?
To take home the same $58,939 that $75,000 leaves in New Jersey, you would need about $74,500 in Pennsylvania, based on income, payroll, and state taxes only. Housing and other living costs are not included.
How much more do high earners keep in Pennsylvania than in New Jersey?
At $150,000 the gap is $2,826 a year: $106,360 in New Jersey versus $109,186 in Pennsylvania. Progressive brackets make the difference grow faster as income rises.
Do New Jersey and Pennsylvania have a reciprocity agreement?
Yes. If you live in one of these states and work in the other, you can usually file a nonresident exemption form with your employer so only your home state withholds income tax.
Do local taxes change the New Jersey vs Pennsylvania comparison?
Pennsylvania has local wage taxes in places like Philadelphia (3.735% / 3.425%), Pittsburgh (3% / 1%), Allentown (1.975% / 1.28%). Those are on top of the statewide figures above, so check the city calculators if you live or work in one of them.