Pennsylvania vs New Jersey: State Income Tax Compared
Side-by-side comparison of state income tax between Pennsylvania and New Jersey, plus combined federal + state take-home pay.
| Metric | PA Pennsylvania | NJ New Jersey |
|---|---|---|
| State tax type | Flat | Progressive |
| Top state rate | 3.07% | 10.75% |
| Standard deduction | $13,900 | $13,900 |
Estimated at $75,000 income (federal + state)
Pennsylvania net income ≈ $63,202 (15.7% effective rate)
New Jersey net income ≈ $62,183 (17.1% effective rate)
Pennsylvania Pros & Cons
- ✓Lower top state tax rate than New Jersey (3.07% vs 10.75%)
- ✓Simple flat 3.07% rate — same rate at every income level
- ✓$13,900 standard deduction before state tax applies
- ✕Top earners face a state marginal rate of up to 3.07%
New Jersey Pros & Cons
- ✓$13,900 standard deduction before state tax applies
- ✕Top earners face a state marginal rate of up to 10.75%
- ✕Higher top state rate than Pennsylvania by 7.7 points
- ✕Progressive brackets mean higher earners pay a larger share
Frequently asked questions
At $75,000 income, how does take-home pay compare?+
On an estimated $75,000 income (federal + state combined), our calculator shows Pennsylvania take-home of roughly $63,202 (15.7% effective rate) versus New Jersey's $62,183 (17.1% effective rate). Use the calculator above with your own income for a personalized estimate.
Which has the higher state tax rate, Pennsylvania or New Jersey?+
New Jersey has the higher top state marginal rate at 10.75%, compared to Pennsylvania's 3.07%.
Does Pennsylvania or New Jersey have no income tax?+
No — both Pennsylvania and New Jersey levy a state income tax.
Are these figures exact?+
No — these are estimates generated from a simplified model of federal and state tax brackets, intended for planning purposes. They don't account for every credit, allowance, local tax, or surcharge. Always confirm current-year figures with the IRS and each state's tax authority before filing.
Figures shown are estimates and do not include every deduction, credit, local tax, or surcharge that may apply. Always confirm with the IRS and each state's official tax authority.