- Rate
- 3.735%
- Vignette tax
- $2,988
- Rank
- #1
Philadelphia vs Montgomery County Local Income Tax 2026
Philadelphia pays $428 more local tax on $80,000 single-filer wages (local tax only).
By Sammy S. · Founder · AuthorUpdated for 2026
- Rate
- 3.2%
- Vignette tax
- $2,560
- Rank
- #4
Side-by-side gap
Local tax difference on $80,000 single-filer wages (local tax only): $428. State, federal, and FICA are not included.
Key takeaways — Philadelphia vs Montgomery County
- Philadelphia costs about $428 more in local tax ($2,988 vs $2,560).
- Philadelphia: 3.735% (flat resident). Montgomery County: 3.2%.
- Philadelphia ranks #1; Montgomery County ranks #4 (#1 = highest local tax on the vignette).
- Sources: City of Philadelphia — Wage Tax (employers); Maryland Comptroller — Withholding Tax Facts 2026 (pair-specific—not every city in the hub).
- Model a full paycheck at / with each city’s local toggle.
Rate contrast — Philadelphia vs Montgomery County
| Topic | Philadelphia | Montgomery County |
|---|---|---|
| Rate type | Flat 3.735% | Flat 3.2% |
| Vignette local tax | $2,988 | $2,560 |
| Effective on vignette | 3.735% | 3.2% |
| State | Pennsylvania (PA) | Maryland (MD) |
| Official source | City of Philadelphia — Wage Tax (employers) | Maryland Comptroller — Withholding Tax Facts 2026 |
| Last validated | 2026-08-08 | 2026-08-08 |
Local tax at different wages
Single filer; local/city tax only. Gap is the absolute difference between the two cities.
| Wages | Philadelphia | Montgomery County | Gap |
|---|---|---|---|
| $50,000 | $1,867.50 | $1,600 | $267.50 |
| $80,000 | $2,988 | $2,560 | $428 |
| $120,000 | $4,482 | $3,840 | $642 |
| $200,000 | $7,470 | $6,400 | $1,070 |
How to read this comparison
Philadelphia vs Montgomery County local income tax in 2026
This page compares resident local/city tax only for Philadelphia (PA) and Montgomery County (MD) on $80,000 single-filer wages (local tax only).
Philadelphia is higher by about $428 before state, federal, and FICA.
Philadelphia note: Uses the Jul 1, 2026 resident Wage/Earnings Tax rate (3.735%) published by the City of Philadelphia. Jan–Jun 2026 withholding used 3.74%. Non-resident rate is lower (3.425%) and is not modeled here.
Montgomery County note: Maryland local income tax for Montgomery County at 3.20% (2026). Replaces the ~3% statewide average in this calculator.
How each city’s rate works
Philadelphia uses a flat resident rate of 3.735%. Local tax on the vignette is wages × rate = $2,988.
Montgomery County uses a flat resident rate of 3.2%. Local tax on the vignette is $2,560.
Official pages: https://www.phila.gov/services/payments-assistance-taxes/taxes/business-taxes/business-taxes-by-type/wage-tax-employers/ and https://www.marylandcomptroller.gov/content/dam/mdcomp/tax/legal-publications/facts/withholding-tax-facts-2026.pdf.
Same wages, different local tax
The ladder below recomputes local tax at $50k–$200k single wages with the same engine as the paycheck calculator.
Both rates are flat, so the dollar gap scales roughly with wages.
Relocation decisions should still include state tax, housing, and sales tax—not local tax alone.
Who this Philadelphia vs Montgomery County comparison helps
Useful if…
- •Candidates weighing Philadelphia vs Montgomery County offers
- •Editors covering municipal wage-tax rate changes
- •Payroll teams comparing withholding for two work locations
Use official tools if…
- •Live-in-one-city / work-in-another schedules (Ohio credits)
- •Non-resident withholding that differs from resident rates
- •Full SALT itemizing questions beyond this local-tax-only page
Philadelphia vs Montgomery County checklist
- 1Read City of Philadelphia — Wage Tax (employers) and Maryland Comptroller — Withholding Tax Facts 2026 for current resident rates.
- 2Confirm residency for each city’s ordinance.
- 3Check the wage ladder for your salary band.
- 4Open /local-income-tax-by-city/philadelphia and /local-income-tax-by-city/montgomery-county for full profiles.
- 5Run both scenarios in the paycheck calculator with local tax on.
Vignette: $2,988 (Philadelphia) vs $2,560 (Montgomery County).
Related tools
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Pick another pair
Compare any two cities
Resident local / wage tax rates and vignette tax side by side.
FAQs
Philadelphia pays about $428 more on $80,000 single-filer wages (local tax only) ($2,988 vs $2,560).
Philadelphia: 3.735% flat. Montgomery County: 3.2% flat.
Both estimates use resident rates on wages in our calculator model. Credits for tax paid to other cities, non-resident rates, and exemptions can change the result — see each city’s official source.
Philadelphia, by about $428 on the vignette.
No. This comparison is local/city tax only. Pennsylvania and Maryland state taxes are separate layers in a full paycheck.