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Old 01-28-2019, 05:34 AM
 
Location: Chadds Ford
390 posts, read 170,599 times
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If you are considering living in Delaware, be aware of two things (source: I live in PA and work in DE):
1) Delaware's state income tax has brackets, with the top bracket being 6.6% (over $60k of earnings), plus 1.25% local income tax in Wilmington (no local income tax outside of Wilmington), and there's no reciprocity-agreement between PA and DE. Pennsylvania's state income tax is 3%, plus over 3% city wage tax if you work in Philly (local income tax is generally 0.5-1% outside of Philly). The DE taxes are unavoidable for your husband and the Philadelphia city wage tax is unavoidable for you, but I would try to avoid a situation where you have to pay both the DE taxes plus the 3+% Philadelphia wage tax on your earnings (or vice versa for your husband if you live in Philly). This would be especially painful with the new $10k limit on federal SALT deductions. Then again, Delaware County (which contains most of your search-area within PA) is notorious for its high property taxes, so you may need to pick your poison.
2) Delaware public schools are generally bad. Basically, anybody who can afford it sends their kids to private school.

Delaware is an anomaly. It's a solid-blue state with effectively 0% state corporate tax, 0% sales tax, low property taxes, low gas tax, low alcohol tax, high state income tax, and bad public schools.

EDIT: As an anecdote, when the mail bombs were being sent a few months ago, an image was posted online of the package sent to Joe Biden's house (in Greenville, DE). I entered his address into Zillow, and his house was worth well-over a million dollars, the property taxes were about $10k a year, and the local high school was rated a 5 out of 10.

Last edited by Patmcpsu; 01-28-2019 at 06:55 AM..
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Old 01-28-2019, 08:09 AM
 
239 posts, read 139,176 times
Reputation: 336
Quote:
Originally Posted by Patmcpsu View Post
If you are considering living in Delaware, be aware of two things (source: I live in PA and work in DE):
1) Delaware's state income tax has brackets, with the top bracket being 6.6% (over $60k of earnings), plus 1.25% local income tax in Wilmington (no local income tax outside of Wilmington), and there's no reciprocity-agreement between PA and DE. Pennsylvania's state income tax is 3%, plus over 3% city wage tax if you work in Philly (local income tax is generally 0.5-1% outside of Philly). The DE taxes are unavoidable for your husband and the Philadelphia city wage tax is unavoidable for you, but I would try to avoid a situation where you have to pay both the DE taxes plus the 3+% Philadelphia wage tax on your earnings (or vice versa for your husband if you live in Philly). This would be especially painful with the new $10k limit on federal SALT deductions. Then again, Delaware County (which contains most of your search-area within PA) is notorious for its high property taxes, so you may need to pick your poison.
2) Delaware public schools are generally bad. Basically, anybody who can afford it sends their kids to private school.

Delaware is an anomaly. It's a solid-blue state with effectively 0% state corporate tax, 0% sales tax, low property taxes, low gas tax, low alcohol tax, high state income tax, and bad public schools.

EDIT: As an anecdote, when the mail bombs were being sent a few months ago, an image was posted online of the package sent to Joe Biden's house (in Greenville, DE). I entered his address into Zillow, and his house was worth well-over a million dollars, the property taxes were about $10k a year, and the local high school was rated a 5 out of 10.
Yeah, this is a really unfortunate situation for them to be in. We own in Philly and my fiancee worked in Delaware for several years; she got SOCKED on taxes, because Delaware's income tax is so high, but then she'd also get Philly's property / city wage tax on top of that, so she basically lost money at the end of every month. The only way working in Delaware makes financial sense is if you also live in Delaware, so the other low taxes balance everything out--but as you say, DE's pubic schools are terrible. Said fiancee taught in Red Clay SD for several years, and I saw firsthand how bad even the best public schools there are, compared to the level of education in Pennsylvania.
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