What is the average salary in Philadelphia?

The median annual wage across all occupations in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area is $51,760, according to Bureau of Labor Statistics OEWS data for May 2024. That covers roughly 2.9 million workers.

How much do you take home after taxes in Philadelphia?

On the $51,760 median wage, a single filer in Philadelphia takes home about $40,203 per year ($3,350 per month) after federal, state, and city taxes — an effective rate of 22.3%.

Does Philadelphia have a city income tax?

Yes. Philadelphia residents pay a city wage tax of 3.75%. On the local median wage of $51,760 that works out to about $1,941 per year on top of federal and Pennsylvania state tax.

Philadelphia Salary Calculator — Take-Home Pay After Tax (2026)

The median wage across all occupations in Philadelphia is $51,760, which leaves about $40,203 after federal, Pennsylvania state, and city taxes.

⚠Philadelphia residents pay a city wage tax of 3.75% — about $1,941/yr on the local median wage, which most salary calculators leave out.

Median Wage

$51,760

all occupations

Take-Home

$40,203

$3,350/mo

Effective Tax Rate

22.3%

fed + state + city + FICA + levies

Workers

2.9M

rank #11 of 20 by pay

Full Tax Breakdown — $51,760 in Philadelphia

Single filer, standard deduction, 2026 rates, including Philadelphia local income tax.

Annual Take-Home$40,203After all taxes

Monthly$3,350Net per month

Bi-Weekly$1,546Every 2 weeks

Effective Tax Rate22.3%Fed + state + FICA + levies

⚠Philadelphia city income tax of $1,941/yr included in your effective rate.

◆

$36/yr in state payroll deductions beyond income tax and FICA — Unemployment Compensation (employee withholding) ($36). Mandatory and withheld from every paycheck.

Where Your Money Goes

22.3%effective rate

Take-Home$40,20377.7%

Federal Tax$4,0317.8%

State & Local Tax$3,5306.8%

FICA$3,9607.6%

PA UC$360.1%

Federal Tax Brackets

10%

$1,240

12%

$2,791

Affordability Snapshot

Based on your $3,350/mo take-home — 50/30/20 rule

Needs (50%)$1,675/mo

Rent, groceries, utilities, transport

Wants (30%)$1,005/mo

Dining, entertainment, hobbies

Savings (20%)$670/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$1,005/mo

30% of monthly take-home — the commonly recommended housing cost ceiling.

Annual Savings Potential

$8,041

Daily Take-Home

$155

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$51,760	$4,313	$1,991	$995	$199	$25
Federal Income Tax	−$4,031	−$336	−$155	−$78	−$16	−$2
State Income Tax	−$3,530	−$294	−$136	−$68	−$14	−$2
Social Security	−$3,209	−$267	−$123	−$62	−$12	−$2
Medicare	−$751	−$63	−$29	−$14	−$3	−$0
PA UC	−$36	−$3	−$1	−$1	−$0	−$0
Total Taxes	−$11,557	−$963	−$445	−$222	−$44	−$6
Take-Home Pay	$40,203	$3,350	$1,546	$773	$155	$19

Federal Rate

7.8%

State Rate

6.9%

Total Rate

22.3%

State-by-State Comparison

Same $51,760 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo Tax	$43,769	$7,991	15.4%
FLFloridaNo Tax	$43,769	$7,991	15.4%
NVNevadaNo Tax	$43,769	$7,991	15.4%
OHOhio	$43,128 -$641	$8,632 -$641/yr	16.7%
WAWashingtonNo Tax	$43,051 -$718	$8,709 -$718/yr	16.8%
PAPennsylvaniaYou	$42,144 -$1,625	$9,616 -$1,625/yr	18.6%
CACalifornia	$41,797 -$1,972	$9,963 -$1,972/yr	19.2%
GAGeorgia	$41,706 -$2,064	$10,054 -$2,064/yr	19.4%
ILIllinois	$41,352 -$2,417	$10,408 -$2,417/yr	20.1%
NYNew York	$41,316 -$2,453	$10,444 -$2,453/yr	20.2%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $2,695/yr in taxes

Pre-tax 401(k) contributions reduce your federal and state taxable income. Contributing an additional $5,000 would increase your monthly take-home by $417 while building retirement savings.

💍

Married filing jointly saves $4,016/yr

If you're married, filing jointly gives you a $32,200 standard deduction (vs $16,100 single) and wider tax brackets. This would add $335/month to your take-home.

🏥

An HSA could save $2,944/yr in taxes

If you have a High-Deductible Health Plan (HDHP), you can contribute up to $4,400 to an HSA pre-tax. This reduces your taxable income and saves $2,944 in federal and state taxes — a triple tax advantage.

Results for $51,760 salary · 2026 tax year

Take-Home Pay by Salary in Philadelphia

Gross Salary	Take-Home / Year	Per Month	Effective Rate
$40,000	$31,564	$2,630	21.1%
$50,000	$38,910	$3,243	22.2%
$60,000	$46,256	$3,855	22.9%
$75,000	$56,425	$4,702	24.8%
$100,000	$72,290	$6,024	27.7%
$125,000	$88,091	$7,341	29.5%
$150,000	$103,456	$8,621	31.0%
$200,000	$135,147	$11,262	32.4%

Philadelphia Salaries by Occupation

BLS median wage for each occupation in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area, with take-home after all 2026 taxes.

Occupation	Median Wage	Take-Home	Eff. Rate
Physician (General Practice)	$239,200	$159,611	33.3%
Dentist	$174,220	$118,342	32.1%
Software Engineering Manager	$166,850	$113,812	31.8%
Marketing Manager	$161,340	$110,426	31.6%
Lawyer	$148,030	$102,245	30.9%
Human Resources Manager	$144,450	$100,045	30.7%
Pharmacist	$137,960	$96,056	30.4%
Veterinarian	$133,340	$93,217	30.1%
Nurse Practitioner	$131,590	$92,141	30.0%
Software Developer	$130,670	$91,576	29.9%
Physician Assistant	$130,240	$91,312	29.9%
Electrical Engineer	$125,350	$88,306	29.6%
Construction Manager	$123,460	$87,145	29.4%
Operations Manager	$111,490	$79,582	28.6%
Data Scientist	$107,030	$76,751	28.3%
Psychologist	$106,330	$76,307	28.2%
Physical Therapist	$103,860	$74,740	28.0%
Mechanical Engineer	$102,180	$73,673	27.9%
Dental Hygienist	$100,970	$72,906	27.8%
Occupational Therapist	$100,910	$72,867	27.8%
Registered Nurse	$99,210	$71,789	27.6%
Financial Analyst	$99,170	$71,763	27.6%
Civil Engineer	$96,630	$70,151	27.4%
Police Officer	$90,640	$66,350	26.8%
UX Designer	$85,580	$63,139	26.2%
Accountant	$84,080	$62,187	26.0%
Firefighter	$78,980	$58,951	25.4%
Radiologic Technologist	$78,170	$58,437	25.2%
Elementary School Teacher	$74,480	$56,095	24.7%
Electrician	$74,040	$55,816	24.6%
Plumber	$72,580	$54,889	24.4%
Social Worker	$71,220	$54,026	24.1%
Graphic Designer	$61,190	$47,130	23.0%
Truck Driver (Heavy)	$60,000	$46,256	22.9%
Real Estate Agent	$54,430	$42,164	22.5%

Source: BLS Occupational Employment and Wage Statistics, May 2024, Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (MSA 37980). Occupations BLS does not publish an estimate for in this metro are omitted rather than guessed.

How these Philadelphia numbers are calculated

Wages are published BLS medians for the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metropolitan statistical area — the wider metro, not Philadelphia city limits. Taxes are 2026 federal brackets, FICA, and Pennsylvania state income tax, plus Philadelphia local income tax, for a single filer taking the standard deduction. Cost of living is not modeled — a higher wage here does not automatically mean more spending power. Full methodology.