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Wilmington, Delaware Paycheck Calculator (2026)

Last reviewed: April 20, 2026

Wilmington is Delaware's largest city and levies a 1.25% city wage tax on wages earned within city limits. The tax applies to residents and to non-residents who work in the city, withheld at the source. Combined with Delaware's progressive state tax (top 6.6%), a Wilmington wage earner pays about 7.85% in state plus city income tax at higher income levels. Delaware has no State Disability Insurance program funded by employee payroll, and Delaware has no general sales tax. This calculator estimates 2026 take-home pay for a Wilmington wage earner after federal tax, FICA, Delaware state tax, and the Wilmington city wage rate. It supports pre-tax 401(k) and HSA deductions.

$85,000 single filer take-home comparison

Wilmington, Delaware

$62,600

Delaware (no city tax)

$63,700

Texas (no income tax)

$68,600

Wilmington, Delaware take-home is -$1,100 vs the state-only figure and -$6,000 vs the no-income-tax baseline.

Wilmington, Delaware local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+1.25%

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Wilmington, Delaware paycheck FAQ

How does Wilmington's city wage tax compare to Philadelphia's, just across the state line?
Wilmington sits at 1.25%, well below Philadelphia's 3.79% resident wage tax. Combined with Delaware's progressive state tax, a Wilmington resident's total state-and-local burden is meaningfully lower than a Philadelphia resident's, despite both cities sitting in the same broader region.
Do non-residents who commute into Wilmington pay the wage tax?
Yes. The 1.25% rate applies to all wages earned within Wilmington city limits regardless of where the worker resides. Cross-state commuters from Pennsylvania, New Jersey, or Maryland owe the tax through employer withholding.
Why does Wilmington have a city tax when most of Delaware does not?
Wilmington is the only Delaware municipality with a city-level income tax. The state itself uses a progressive structure (top 6.6%), and most Delaware cities and counties do not levy additional local income tax. Wilmington's wage tax reflects its specific revenue structure as the state's largest city.
Is the lack of sales tax in Delaware relevant for paycheck math?
Indirectly. Paycheck math focuses on income and payroll taxes; Delaware's lack of a sales tax doesn't affect the take-home line. But the no-sales-tax status is part of why cross-state shopping from neighboring states is common, and total-burden comparisons often go beyond paycheck alone.

See also

Run the full Delaware paycheck calculatorBrowse all city paycheck calculatorsBrowse paycheck calculators by statePaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The Wilmington, Delaware paycheck page is reviewed against primary federal, state, and city sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-04-20