Washington vs 
Pennsylvania
Take-home pay after federal tax, state income tax, and FICA — calculated with the same engine as our paycheck calculator.
By Sammy S. · Founder · AuthorUpdated for 2026
Winner at $100k
Washington
Extra take-home / year
$2,455
Per month
$205
Over 10 years
$24,550
Moving from Pennsylvania → Washington at $100,000
Metric vs metric
Lower tax and cost figures generally favor the highlighted cell. Rate structure notes sit under each state's calculator link.
| Metric | Washington | Pennsylvania |
|---|---|---|
| Income tax | 0% · No state income tax (0%) | 3.07% · Flat 3.07% |
| Combined sales tax | ~9.57% | ~6.34% |
| Effective property tax | ~0.75% | ~1.26% |
| Cost of living index | 114.6 | 96.2 |
| Median household income | $90,800 | $72,800 |
| Unemployment rate | 4.2% | 3.5% |
Dig into each state's paycheck
Washington rate structure
No state income tax on wages; revenue relies more on sales and property taxes.
Pennsylvania rate structure
Flat 3.07% state income tax on taxable wages (before credits).
Overview
Washington has no state income tax, while Pennsylvania has flat 3.07%. Staying in Washington (vs Pennsylvania) saves about $2,455/year in take-home at $100,000 gross (single filer). Sales tax: ~9.57% vs ~6.34%. Property tax: ~0.75% vs ~1.26%. Median household income (ACS 2024): $90,800 vs $72,800.
Take-home by income
Net pay after federal income tax, state income tax, and FICA — single filer, standard deduction, no dependents (2026). Advantage is take-home in Pennsylvania minus Washington.
| Gross | Washington take-home | Pennsylvania take-home | Advantage |
|---|---|---|---|
| $50,000 | $42,048 | $40,820 | −$1,228 |
| $75,000 | $61,131 | $59,290 | −$1,841 |
| $100,000Headline | $78,565 | $76,110 | −$2,455 |
| $150,000 | $112,869 | $109,186 | −$3,683 |
| $200,000 | $147,697 | $142,787 | −$4,910 |
| $500,000 | $337,402 | $325,127 | −$12,275 |
Assumptions: single filer, standard deduction, no dependents, tax year 2026. At $100k: FICA ≈ $7,650 in both states; effective total tax rate ≈ 21.4% in Washington vs 23.9% in Pennsylvania. Local city taxes are not included unless noted.
$100k tax breakdown: Washington vs Pennsylvania
Where a $100,000 paycheck goes after federal income tax, state income tax, and FICA (2026, single filer).
| Line item | Washington | Pennsylvania |
|---|---|---|
| Gross pay | $100,000 | $100,000 |
| Federal income tax (est.) | $13,170 | $13,170 |
| State income tax | $0 | $3,070 |
| FICA (SS + Medicare) | $7,650 | $7,650 |
| Take-home pay | $78,565 | $76,110 |
| Effective total tax rate | 21.4% | 23.9% |
| Monthly take-home | $6,547 | $6,343 |
Federal estimates can differ slightly between states when state interactions affect taxable income. Combined sales tax ~9.57% (Washington) vs ~6.34% (Pennsylvania); effective property tax ~0.75% vs ~1.26%.
Pros & cons: Washington vs Pennsylvania
Tax structure, living costs, and lifestyle trade-offs beyond the paycheck number.
Washington
Pros
- No state income tax on wages — $0 withholding vs Pennsylvania's state tax
- About $2,455/year more take-home at $100k gross (single) vs Pennsylvania
- Lower effective property tax (~0.75% vs ~1.26% in Pennsylvania)
- Higher median household income ($90,800 ACS 2024 vs $72,800)
Cons
- −Higher combined sales tax (~9.57% vs ~6.34% in Pennsylvania)
- −Higher cost of living index (114.6 vs 96.2; 100 = US average)
- −Higher unemployment rate (4.2% vs 3.5%)
Pennsylvania
Pros
- Lower combined sales tax (~6.34% vs ~9.57% in Washington)
- Lower cost of living index (96.2 vs 114.6; 100 = US average)
- Lower unemployment rate (3.5% vs 4.2%)
Cons
- −State income tax (Flat 3.07%) reduces take-home vs a $0-income-tax peer
- −Roughly $2,455/year less take-home at $100k vs Washington
- −Higher effective property tax (~1.26% vs ~0.75% in Washington)
- −Lower median household income ($72,800 ACS 2024 vs $90,800)
Who wins when
Quick read on when each state is the better fit — beyond the headline tax number.
- Washington wins on take-home pay at every salary band in our ladder (single filer, standard deduction).
- Washington: No state income tax on wages — $0 withholding vs Pennsylvania's state tax
- Washington: About $2,455/year more take-home at $100k gross (single) vs Pennsylvania
- Pennsylvania: Lower combined sales tax (~6.34% vs ~9.57% in Washington)
- Pennsylvania: Lower cost of living index (96.2 vs 114.6; 100 = US average)
How we calculate Washington vs Pennsylvania
Tax engine. Federal income tax uses 2026 IRS brackets and the standard deduction for a single filer. FICA includes Social Security and Medicare employee shares. State income tax applies Washington's and Pennsylvania's rules as modeled in our US calculator (No state income tax (0%) vs Flat 3.07%).
What's included. Wage income only — no capital gains, self-employment tax, itemized deductions, credits, or local city wage taxes (e.g. NYC) unless noted. Sales tax (~9.57% vs ~6.34%) and property tax (~0.75% vs ~1.26%) are context metrics, not subtracted from the take-home ladder.
Cost of living. COL indexes (114.6 vs 96.2, 100 = US average) and median household income ($90,800 vs $72,800) help interpret whether a paycheck win buys more in real life. For city-level equivalent salary, use the Washington → Pennsylvania relocation calculator.
Frequently asked questions
Common questions about Washington vs Pennsylvania taxes, take-home pay, and relocation.
Moving Washington → Pennsylvania?
Model cost-of-living equivalent salary, or open each state's paycheck calculator with your filing status and deductions.
Related tools
Estimates only for tax year 2026. Not tax advice — verify with your state tax agency or a CPA before relocating. Figures assume a single filer with the standard deduction and no dependents.