Side-by-side tax comparison between New Hampshire (no income tax) and Pennsylvania (3.07% top rate, flat). See which state lets you keep more at every salary level, and how cost of living changes the picture.
New Hampshire has no state income tax, while Pennsylvania uses a flat system with rates of 3.07% flat + local. On a $100K salary, this creates a state tax difference of $4,570/year that New Hampshire residents simply don’t pay.
Pennsylvania’s flat 3.07% rate means the gap scales linearly with income. At $200K, you’d save $9,140 by being in New Hampshire instead.
New Hampshire wins at 10 out of 10 salary levels tested. The advantage is consistent and significant across the income spectrum.
| Salary | New Hampshire | Pennsylvania | Difference | Winner |
|---|---|---|---|---|
| $40K | $34,320 | $32,492 | −$1,828 | New Hampshire |
| $50K | $42,355 | $40,070 | −$2,285 | New Hampshire |
| $60K | $50,390 | $47,648 | −$2,742 | New Hampshire |
| $75K | $61,538 | $58,110 | −$3,428 | New Hampshire |
| $100K | $79,125 | $74,555 | −$4,570 | New Hampshire |
| $120K | $93,195 | $87,711 | −$5,484 | New Hampshire |
| $150K | $113,751 | $106,896 | −$6,855 | New Hampshire |
| $200K | $148,887 | $139,747 | −$9,140 | New Hampshire |
| $250K | $183,264 | $171,839 | −$11,425 | New Hampshire |
| $300K | $215,329 | $201,619 | −$13,710 | New Hampshire |
Take-home pay only tells part of the story. New Hampshire has a cost of living index of 108 while Pennsylvania is at 98 (national average = 100).
The cost of living gap is moderate. After adjustment, $100K has purchasing power of $73,264 in New Hampshire vs $76,077 in Pennsylvania. However, Pennsylvania actually provides better purchasing power despite New Hampshire’s take-home advantage.
For a single earner at $100K filing jointly, take-home becomes $84,710 in New Hampshire and $80,140 in Pennsylvania \u2014 a difference of $4,570. The gap remains similar regardless of filing status.
On paper, moving from Pennsylvania to New Hampshire would save $4,570/year on a $100K salary, or $22,850 over 5 years. But relocation involves real costs: moving expenses, potentially buying/selling a home, changing jobs, and adjusting to a new community.
The $4,570/year savings is meaningful but probably not enough to justify a move on its own. However, combined with other factors like career growth, lifestyle preferences, or family proximity, it could tip the scale.