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Old 03-10-2014, 11:43 AM
7 posts, read 17,531 times
Reputation: 15


Hi Everyone,

I am currently a NJ resident, but moving to Philadelphia in a few months. I work in the KOP area, so just looking to get a little bit closer to work. I am single and young, so living in the city is must.

I couldn't find a calculator online to help me with this question, so I figured I'd ask.

My salary is 91.5k and NJ income tax is 6.37% for my bracket. When I move to Philly I understand that there is a flat state income tax of 3% and then a resident city tax of 3.9% is this correct? Are there any other taxes to be considered? I am trying to calculate how much income I will bring in every paycheck once (before medical and 401k) when I move to Philly.

Also, considering NJ car insurance is very expensive.. Should I expect a little bit of a drop? The apartment I am moving to has an enclosed parking space.

Thanks in advance
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Old 03-10-2014, 06:12 PM
3 posts, read 2,973 times
Reputation: 12
Moving to Philadelphia will decrease your state tax calculation two ways, but increase it one. This has to do with medical insurance being considered exempt from PA state income tax, while it is considered taxable for NJ state income tax. 401k deferrals are the opposite - taxable in PA, exempt in NJ. You are correct about city wage tax, too.

I know more about payroll than I do about auto insurance, but I wouldn't expect a drop as insurance adjusters are not friendly to cars registered to Philadelphia addresses.
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Old 03-10-2014, 07:03 PM
Location: Phila Pa & NYC
2,856 posts, read 2,066,969 times
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There will be no drop in car insurance. In fact there was a pretty high number of Philly residents who us to use the addresses of friends or family living in Jersey, just to get a better rate. Does not happen as much anymore because the insurance companies started cracking down on it.
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