STATE TAXES

How Local Income Taxes Impact Your Pay

Understand how city and county income taxes can change your net pay even in relatively low-tax states.

April 29, 2026Tax Researcher7 min read

Local Taxes Add a Hidden Layer

City and county income taxes are separate from state taxes. Even if your state has low rates, local taxes can reduce your take-home pay significantly.

Examples of Local Tax Jurisdictions

Cities like New York, Philadelphia, and Columbus levy local income taxes. These charges often apply to residents and nonresidents working in the area.

Planning Around Local Taxes

If you commute across a local tax border, your employer may withhold the wrong amount. Check your withholding and adjust if necessary to avoid a surprise bill.

Combine Local and State Estimates

Our calculators let you estimate both local and state tax burdens so you can make better choices about where to live and work.

Practical Tips for Remote Workers

Remote employees may still owe local taxes depending on where the employer is located or where work is performed. Verify the rules before signing a contract.