Pennsylvania vs Texas Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $2,303 more a year in Texas than in Pennsylvania ($192 a month).
Pennsylvania
3.07% flat state income tax
$59,290
take-home on $75,000 · $4,941/month
19th of 51 states for take-home pay
Pennsylvania paycheck calculator ›Texas
No state income tax on wages
$61,592
take-home on $75,000 · $5,133/month
1st of 51 states for take-home pay
Texas paycheck calculator ›Take-home pay in Pennsylvania and Texas by salary
| Salary | Pennsylvania | Texas | Difference |
|---|---|---|---|
| $40,000 | $33,092 | $34,320 | $1,228 more in Texas |
| $50,000 | $40,820 | $42,355 | $1,535 more in Texas |
| $60,000 | $48,548 | $50,390 | $1,842 more in Texas |
| $75,000 | $59,290 | $61,592 | $2,303 more in Texas |
| $100,000 | $76,110 | $79,180 | $3,070 more in Texas |
| $125,000 | $92,866 | $96,703 | $3,838 more in Texas |
| $150,000 | $109,186 | $113,791 | $4,605 more in Texas |
| $200,000 | $142,787 | $148,927 | $6,140 more in Texas |
Single filer, standard deduction, no local tax. To match $75,000 in Pennsylvania you would need about $71,750 in Texas; to match $75,000 in Texas you would need about $78,400 in Pennsylvania.
How Pennsylvania and Texas tax wages
| 2026 | Pennsylvania | Texas |
|---|---|---|
| Income tax | a flat 3.07% income tax | no state income tax |
| Top rate | 3.07% | 0% |
| Standard deduction | None (exemptions or credits only) | Not applicable |
| State tax on $75k | $2,303 (3.1%) | $0 (0.0%) |
| Local wage taxes | Yes (13 modeled) | No |
| Reciprocity | New Jersey, Ohio, Virginia, West Virginia, Indiana, Maryland | None |
Moving between Pennsylvania and Texas
Moving from Pennsylvania to Texas
Moving to Texas ends state income tax withholding with your first Texas paycheck. For a single filer earning $75,000, that is $1,864 more a year than in Louisiana and $2,830 more than in Oklahoma. File a part-year return in the state you left for wages earned before the move. Then budget for what Texas charges instead: property taxes, which a homestead exemption trims, and combined state and local sales tax.
Moving from Texas to Pennsylvania
Moving to Pennsylvania from New York, New Jersey, Maryland, or Delaware usually lowers state income tax, since the flat 3.07% applies at every income. The catch is local: choose between Philadelphia's 3.735% resident wage tax and a suburb with a far lower earned income tax, and expect 401(k) deferrals to stay taxable. Retirees benefit most, because Pennsylvania generally does not tax retirement plan distributions or Social Security.
Pennsylvania paychecks in brief
Pennsylvania taxes wages at a flat 3.07% from the first dollar, with no standard deduction or personal exemption, and it does not exclude 401(k) contributions from taxable pay. On a $75,000 salary, a single filer pays the Pennsylvania Department of Revenue $2,303 and keeps $59,290, or $2,280 per biweekly paycheck. The larger variable is local: almost every municipality levies an earned income tax, and Philadelphia's wage tax costs a resident $2,801 at the same salary. Read the Pennsylvania guide.
Texas paychecks in brief
Texas has no state income tax, so wages there lose only federal income tax, Social Security, and Medicare. A single filer earning $75,000 takes home $61,592 a year, or $2,369 every two weeks, after $7,670 of federal tax, $4,650 of Social Security, and $1,088 of Medicare. No Texas city taxes wages either, and the state constitution bars a personal income tax, so the cost of living in Texas shows up in property and sales taxes rather than on your pay stub. Read the Texas guide.
Pennsylvania vs Texas: FAQ
Does Pennsylvania or Texas have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $2,303 more a year in Texas than in Pennsylvania ($192 a month). Pennsylvania has a flat 3.07% income tax for 2026. Texas has no state income tax.
What salary in Texas equals $75,000 in Pennsylvania?
To take home the same $59,290 that $75,000 leaves in Pennsylvania, you would need about $71,750 in Texas, based on income, payroll, and state taxes only. Housing and other living costs are not included.
How much more do high earners keep in Texas than in Pennsylvania?
At $150,000 the gap is $4,605 a year: $109,186 in Pennsylvania versus $113,791 in Texas. With flat or no state tax, the gap grows roughly in line with salary.
Do local taxes change the Pennsylvania vs Texas 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.