Taxes in Cheltenham, Pennsylvania
Complete tax guide for Cheltenham, PA. State income tax up to 3.07%, 1.41% property tax, 8.64% sales tax. Calculate your total tax burden.
State Income Tax
3.07%
Pennsylvania
Property Tax
1.41%
Effective rate
Sales Tax
8.64%
Combined rate
Tax Burden
Moderate
Cheltenham, PA Tax Overview
Population
37,126
Median Income
$61,800
Cost of Living
91.7 (100 = avg)
State Income Tax
3.07%
Local Income Tax
1.51%
Median Home Price
$212,000
Cheltenham Tax Calculator
Pre-filled with Cheltenham median: $61,800
Total Tax Burden in Cheltenham
$12,936
Take-Home: $48,864 · Effective Rate: 20.93%
Federal Tax
$5,378
8.70% eff.
PA State + Local
$2,830
4.58% eff.
FICA
$4,728
7.65% eff.
Take-Home
$48,864
79.07% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $61,800.00 | $5,150.00 |
| Federal Income Tax | -$5,377.50 | -$448.13 |
| Pennsylvania State Tax | -$1,897.26 | -$158.11 |
| Cheltenham Local Tax (1.51%) | -$933.18 | -$77.77 |
| Social Security (6.2%) | -$3,831.60 | -$319.30 |
| Medicare (1.45%) | -$896.10 | -$74.68 |
| Take-Home Pay | $48,864.36 | $4,072.03 |
Property Tax in Cheltenham
Median Home
$212,000
Annual Tax
$2,989
Monthly Tax
$249
Effective Rate
1.41%
Sales Tax in Cheltenham
Combined Rate
8.64%
State Portion
~6.1%
Local Portion
~2.5%
The combined sales tax rate in Cheltenham is 8.64%, which is above the national average of 7.12%. On a $100 purchase, you would pay $8.64 in sales tax.
Tax Burden Comparison
| Tax Type | Cheltenham | Pennsylvania Avg | National Avg |
|---|---|---|---|
| Income Tax | 3.07% + 1.51% | 3.07% | 4.6% |
| Property Tax | 1.41% | ~1.41% | 1.1% |
| Sales Tax | 8.64% | ~8.64% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for Cheltenham Residents
- Pennsylvania's income tax rate of 3.07% is competitive. You may still benefit from maximizing 401(k) contributions ($23,500 limit) to reduce your taxable income at both state and federal levels.
- Cheltenham has a local income tax of 1.51%. If you work remotely, verify whether you owe city tax based on where you work or where you live. Some cities only tax people who work within city limits.
- Property tax in Cheltenham (1.41%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- The combined sales tax rate of 8.64% is relatively high. Consider making large purchases in lower-tax jurisdictions or online retailers that do not charge local tax rates.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
Other Cities in Pennsylvania
Philadelphia
HighPittsburgh
HighAllentown
ModerateReading
ModerateErie
LowScranton
ModerateBethlehem
ModerateLancaster
ModerateHarrisburg
ModerateYork
LowCalculate Your Full Pennsylvania Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Cheltenham, PA?
Cheltenham, Pennsylvania has a state income tax rate up to 3.07%, plus a local income tax of 1.51%. The property tax rate is 1.41% and the combined sales tax rate is 8.64%.
How much is property tax in Cheltenham?
The effective property tax rate in Cheltenham is 1.41%. On the median home price of $212,000, this equals approximately $2,989 per year or $249 per month. This is above the national average of 1.1%.
What is the sales tax rate in Cheltenham?
The combined sales tax rate in Cheltenham is 8.64%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Cheltenham's tax burden compare to other cities?
Cheltenham has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 27.3%. The combination of 3.07% state income tax, 1.41% property tax, and 8.64% sales tax determines the total burden. Cost of living index is 91.7 (100 = national average).
Are there any local taxes in Cheltenham?
Yes. Cheltenham imposes a local income tax of 1.51% in addition to the state income tax of 3.07%.