Take-home pay by salary
| Salary | New Jersey | Pennsylvania | Difference |
|---|---|---|---|
| $50,000 | $41,140 | $40,820 | +$320 New Jersey |
| $75,000 | $58,995 | $59,290 | −$295 Pennsylvania |
| $100,000 | $74,998 | $76,110 | −$1,112 Pennsylvania |
| $150,000 | $106,424 | $109,186 | −$2,762 Pennsylvania |
| $200,000 | $138,375 | $142,787 | −$4,412 Pennsylvania |
Single filer, standard deduction, wages only, no 401(k) or pre-tax benefits. Local income taxes (for example New York City or some Ohio and Pennsylvania cities) are not included.
Where the difference comes from
Federal income tax, Social Security (6.2%) and Medicare (1.45%) are the same everywhere in the U.S., so the gap comes entirely from state income tax. On $75,000, state income tax is about $2,598 in New Jersey and $2,303 in Pennsylvania.
- New Jersey: 1.4%–10.75% income tax, with a 6.625% state sales tax (about 6.6% on average including local taxes).
- Pennsylvania: Flat 3.07% income tax, with a 6% state sales tax (about 6.34% on average including local taxes).
Income tax isn't the whole picture
States without an income tax often collect more through sales taxes, property taxes or fees, and housing costs can differ far more than taxes. Before moving, compare rent or home prices, property tax rates, car insurance, utilities and, if you work remotely, which state can tax your income. If you keep a job in one state while living in another, you may owe tax to both, usually with a credit to avoid paying twice.
For your exact numbers — including 401(k) contributions, pay frequency and filing status — use the New Jersey and Pennsylvania paycheck calculators, or explore every state on our Money Map.
Frequently asked questions
Is New Jersey or Pennsylvania better for take-home pay?
Does New Jersey have state income tax?
Does Pennsylvania have state income tax?
What else should I compare besides income tax?
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