Side-by-side state comparison

Florida vs Pennsylvania Paycheck Comparison (2026)

Enter a salary below to see the take-home pay difference between Florida and Pennsylvania for 2026, broken down line by line.

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Annual Salary

$

Filing Status

Location A

State

No state income tax

Location B

State

City / Local Tax

Florida takes home more

+$3,070

more per year vs. Pennsylvania · $256/mo · $118/paycheck

5-Year Difference

$15,350

Tax Component

Floridawinner

Pennsylvania

Gross Salary$100,000$100,000

Federal Tax$13,170$13,170

Social Security$6,200$6,200

Medicare$1,450$1,450

State Tax$0$3,070

Local / City Tax$0$0

Annual Take-Home$79,180$76,110

Effective Tax Rate20.82%23.89%

This estimate is for planning purposes only and does not constitute tax or financial advice. Actual paycheck withholding depends on your employer's payroll system, custom W-4 elections, additional income, and personal tax situation. For specific tax-planning decisions, consult a licensed CPA or tax professional.

Data pending verification

Pennsylvania's universal local Earned Income Tax (EIT) and the separate Philadelphia Wage Tax are not included in this state-only comparison; pick a specific PA city in the calculator below to apply the local layer.

Cross-state crediting (PA residents working in NJ, and vice versa under the NJ-PA reciprocity agreement) is handled qualitatively only; the engine applies resident-state withholding at the comparison anchor.

Quick answer

Looking at $100,000 single, Florida residents see about $3,070 more per year in take-home than Pennsylvania residents, roughly $256 per month. Pennsylvania levies a 3.07% flat state income tax, one of the lowest single-rate burdens in the country; Florida taxes no wage income.

Florida and Pennsylvania anchor very different climates and very different state tax structures despite their shared East Coast geography. Florida taxes no wage income; state revenue rests on sales tax, tourism-related levies, corporate franchise tax, and property tax. Pennsylvania levies a 3.07% flat state income tax, one of the lowest single-rate burdens in the country, with no state-administered employee disability or paid-family-leave program at the state level. Pennsylvania's universal local Earned Income Tax (EIT) layer (most cities, townships, and school districts levy a small EIT, typically 1% to 3.9%) is not included in this state-only view; for Philadelphia residents and workers, the Philadelphia Wage Tax adds a separate larger city layer. Pennsylvania's economy splits between Philadelphia (hospital cluster around Penn Medicine, Jefferson, CHOP; financial-services base; Comcast headquarters), Pittsburgh (UPMC healthcare, PNC Financial, the Mario Lemieux-era cultural revival), and a deep manufacturing legacy. Florida's economy spans tourism, aerospace, agriculture, Miami's international finance, and the Tampa Bay tech corridor. At $100,000 single, a Florida resident takes home $79,180 versus a Pennsylvania resident's $76,110, a gap of $3,070 per year.

At $100,000 single filer, take-home difference

Moving from Pennsylvania to Florida saves approximately $3,070 per year at $100,000 single.

Computed from the tax engine with 2026 federal brackets, FICA, and state tax. Standard deduction, no pre-tax contributions.

How the state tax structures compare

Feature	Florida	Pennsylvania
State structure	No state income tax on wages	3.07 percent flat tax
Taxes wages?	No	Yes

Take-home at four common salary points

Single filer, 2026 brackets, standard deduction, no pre-tax contributions. Delta is Pennsylvania take-home minus Florida take-home.

Salary	Florida	Pennsylvania	Delta
$50,000	$42,355	$40,820	-$1,535
$100,000	$79,180	$76,110	-$3,070
$150,000	$113,791	$109,186	-$4,605
$250,000	$183,182	$175,507	-$7,675

What this comparison includes

This comparison computes 2026 take-home pay in Florida and Pennsylvania side by side, using 2026 federal brackets after the standard deduction, FICA contributions (Social Security up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), and each state's income tax schedule along with any state-administered payroll programs and supported local layers. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages. City-level taxes are layered only on the dedicated metro pages; this comparison covers state-and-typical-local figures only, so a worker considering a specific metro should follow the relevant city link in the See also section.

Florida vs Pennsylvania FAQ

How much more is take-home in Florida than Pennsylvania at $100,000?

At $100,000 single, a Florida resident keeps approximately $3,070 more per year than a Pennsylvania resident, roughly $256 per month. The full state-side gap is Pennsylvania's flat 3.07% line of $3,070; Florida has no comparable line. Federal income tax and FICA are identical at the same gross salary.

Does the Florida vs Pennsylvania gap grow with salary?

The dollar spread scales linearly under Pennsylvania's flat-rate structure. The bookends frame it cleanly: $1,535 at $50k single and $7,675 at $250k. Pennsylvania's 3.07% rate is one of the lowest single-rate burdens in the country, keeping the absolute spread modest compared with most progressive-state pairs. Federal income tax and FICA are identical.

Does this comparison include Pennsylvania's local Earned Income Tax or Philadelphia Wage Tax?

Pennsylvania's universal local Earned Income Tax and the separate Philadelphia Wage Tax sit outside this state-only view. Most PA cities, townships, and school districts levy a small EIT (typically 1% combined; Pittsburgh and many suburbs are at or near that level); Philadelphia layers a larger wage tax on top. Florida has no comparable local wage tax.

How does married filing jointly, head of household, or filing separately change the FL vs PA gap?

Married filing jointly widens federal brackets and doubles the federal standard deduction, dropping federal tax for both states. Pennsylvania's constitutional flat rate is filing-status-neutral across MFJ, HoH, and MFS (and PA offers no standard deduction at the state level), so the state-side dollar gap stays close to the rate-times-income shape at every tier. Florida's $0 state line doesn't move with filing status either. The directional advantage to Florida holds across all four filing statuses.

What about cost-of-living differences between Florida and Pennsylvania?

Pennsylvania metros run noticeably cheaper than most US averages. Pittsburgh housing remains among the most affordable major metros in the country; Philadelphia rowhouse pricing is similar to mid-tier markets nationally. Florida coastal markets carry hurricane-insurance premiums that have risen steeply; inland Florida (Ocala, North Central) holds at lower costs. Property tax favors Florida in many counties; sales tax favors Pennsylvania.

How does FL vs PA compare to other Florida-anchor or Pennsylvania-anchor pairs?

Florida vs Illinois (this batch) is the closest structural twin (no-tax-vs-flat-state) at a slightly wider gap because Illinois's flat rate sits higher than Pennsylvania's. Illinois vs Texas runs the same playbook with Texas in the no-tax position. New Jersey vs Pennsylvania (Group D3) holds PA against a progressive Northeast neighbor for a more dramatic widening pattern.

How This Page Is Reviewed

The Florida vs Pennsylvania comparison is reviewed against primary federal and state 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

2026-07-14

Primary sources