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Real Estate Property Taxes in Philadelphia, PA 2026

Calculate your real estate property taxes tax savings in Philadelphia, Pennsylvania. With Pennsylvania's 3.07% state tax rate, your combined savings are higher.

Pennsylvania Tax Context

State Income Tax
3.07%
Local Income Tax
3.75%
Property Tax Rate
1.36%
Tax Burden
High

Philadelphia city wage tax: 3.75% residents, 3.44% non-residents; high combined tax burden

$1,442
Est. Total Savings
$10,000
Max Deduction
Itemized
Deduction Type
28.8%
Combined Tax Rate

Real Estate Property Taxes Savings Calculator for Philadelphia

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Federal Savings

$1,100

22% bracket

Pennsylvania State

$154

3.07% rate

Local Tax

$188

3.75% rate

Total Savings

$1,442

28.8% combined

At a 28.8% combined tax rate in Philadelphia, every $1,000 in deductions saves you $288 in taxes.

Savings by Tax Bracket in Philadelphia

10%
$842
12%
$942
22%
$1,442
24%
$1,542
32%
$1,942
35%
$2,092
37%
$2,192

Includes 3.07% Pennsylvania state tax + 3.75% local tax on top of federal savings.

Eligibility Requirements

Available to homeowners who itemize deductions and pay property taxes on real estate they own.

  • 1Must itemize deductions
  • 2Taxes must be on property you own
  • 3Must be imposed uniformly on all properties in the jurisdiction
  • 4Combined state/local/property tax deduction limited to $10,000 ($5,000 if MFS)

Pennsylvania residents should verify that this deduction is also recognized on their state tax return for additional savings of up to 3.07%.

Common Mistakes to Avoid

  • !Exceeding the $10,000 SALT cap
  • !Deducting taxes on property not owned by you
  • !Double-counting taxes paid through escrow
  • !Including special assessments that increase property value
  • !Forgetting to claim the deduction on your Pennsylvania state return (missing 3.07% additional savings)
  • !Not checking if Philadelphia's local income tax allows this deduction (3.75% potential additional savings)

Required Tax Forms

Schedule A

File these forms with your federal tax return to claim the real estate property taxes. Pennsylvania may require additional state-specific forms.

Other Tax Deductions in Philadelphia, PA

Mortgage Interest Deduction

Housing

~$4,585
est. savings

Property Tax Deduction

Housing

~$2,882
est. savings

Home Office Deduction

Housing

~$1,572
est. savings

Home Energy Tax Credit

Housing

~$1,800
est. savings

Residential Solar Tax Credit

Housing

~$7,500
est. savings

Military Moving Expenses

Housing

~$5,240
est. savings

PMI Premium Deduction

Housing

~$1,441
est. savings

Mortgage Points Deduction

Housing

~$2,620
est. savings

Real Estate Property Taxes in Other Pennsylvania Cities

Pittsburgh, PA

3.07% state + 3% local

~$3,828
+2,386 vs Philadelphia

Allentown, PA

3.07% state + 1.95% local

~$3,685
+2,243 vs Philadelphia

Reading, PA

3.07% state + 3.6% local

~$3,910
+2,468 vs Philadelphia

Erie, PA

3.07% state + 1.58% local

~$3,634
+2,192 vs Philadelphia

Upper Darby, PA

3.07% state + 1.02% local

~$3,558
+2,116 vs Philadelphia

Scranton, PA

3.07% state + 3.4% local

~$3,882
+2,440 vs Philadelphia

Bethlehem, PA

3.07% state + 1.7% local

~$3,650
+2,208 vs Philadelphia

Lower Merion, PA

3.07% state + 2.86% local

~$3,809
+2,367 vs Philadelphia

Calculate Your Full Tax Savings in Philadelphia

Use our free tax calculators to optimize your entire tax return for Pennsylvania.

Income Tax CalculatorTaxes in PhiladelphiaFull Real Estate Property Taxes Guide

Frequently Asked Questions

How much can I save with the Real Estate Property Taxes in Philadelphia, PA?

In Philadelphia, Pennsylvania, the real estate property taxes can save you an estimated $1,442 per year. This includes $1,100 in federal tax savings and $154 in Pennsylvania state tax savings plus $188 in local tax savings. The national average savings is $3,000/year.

What is the Pennsylvania state income tax rate for Philadelphia residents?

Pennsylvania has a 3.07% state income tax rate. Philadelphia residents also pay a 3.75% local income tax, bringing the combined state/local rate to 6.8%. Philadelphia city wage tax: 3.75% residents, 3.44% non-residents; high combined tax burden

Who qualifies for the Real Estate Property Taxes in Philadelphia?

Available to homeowners who itemize deductions and pay property taxes on real estate they own.. The eligibility requirements are the same whether you live in Philadelphia or elsewhere in the U.S., as this is a federal tax deduction. However, your savings amount will vary based on Pennsylvania's 3.07% state tax rate.

What tax forms do I need to claim the Real Estate Property Taxes in Pennsylvania?

To claim the real estate property taxes, you need to file Schedule A with your federal return. Pennsylvania residents should also check if the state allows this deduction on their state return, which could provide an additional 3.07% savings. Filing status affects your deduction limits and tax bracket.

Is the Real Estate Property Taxes better in Philadelphia than in states without income tax?

Yes, Philadelphia residents benefit more because Pennsylvania's 3.07% state income tax means the deduction reduces both your federal AND state tax liability. In states with no income tax (like Texas, Florida, or Nevada), this deduction only reduces federal taxes. Your combined rate of 28.8% means more savings per dollar deducted.

Related Calculators

Mortgage Interest Deduction in Philadelphia

Avg savings: $3,500/year

Property Tax Deduction in Philadelphia

Avg savings: $2,200/year

Home Office Deduction in Philadelphia

Avg savings: $1,200/year

Home Energy Tax Credit in Philadelphia

Avg savings: $1,800/year

Residential Solar Tax Credit in Philadelphia

Avg savings: $7,500/year

Military Moving Expenses in Philadelphia

Avg savings: $4,000/year