Suburban Paycheck Calculator
Calculate Suburban take-home pay. Enter salary or hourly details, contributions, and pay frequency to view fast, clear paycheck estimates.
Suburban Income Tax Rate
“Suburban” areas span many states, so income-tax rules depend on where you live and work. Employers start with gross pay, subtract pre-tax benefits (traditional 401(k), Section 125 health premiums, HSA/FSA, commuter plans), then apply federal withholding, FICA, and your state’s tables based on your W-4 and any state/local forms. Some states have flat rates; others use progressive brackets with credits and standard deductions that lower your effective rate. If you live in a suburb of a city that levies a local wage tax, your employer may also withhold that amount. Use the table as a high-level, comparative reminder that top state rates vary widely and change over time.
| Year | Typical Range (Top State Rate) |
|---|---|
| 2016 | 0% – 13.3% |
| 2017 | 0% – 13.3% |
| 2018 | 0% – 13.3% |
| 2019 | 0% – 13.3% |
| 2020 | 0% – 13.3% |
| 2021 | 0% – 13.3% |
| 2022 | 0% – 13.3% |
| 2023 | 0% – 13.3% |
| 2024 | 0% – 13.8% |
| 2025 | 0% – 13.8% (illustrative) |
Suburban Median Household Income
Suburban median household incomes are often above statewide medians because suburbs concentrate higher-paying sectors, two-earner households, and newer housing stock. After pandemic volatility, many suburbs saw nominal wage growth in healthcare, professional services, construction, logistics, and tech-adjacent roles. Still, purchasing power depends on local costs: housing, transportation, childcare, and insurance can offset gains. Use the values below as a broad, directional guide to plan budgets and compare offers across different suburban metros. For accuracy, pair these statewide-agnostic benchmarks with current county or metro data for your specific suburb and adjust for household size and benefit packages that meaningfully affect take-home value.
| Year | Income |
|---|---|
| 2016 | $68,000 |
| 2017 | $70,500 |
| 2018 | $73,400 |
| 2019 | $76,800 |
| 2020 | $78,200 |
| 2021 | $81,600 |
| 2022 | $85,100 |
| 2023 | $88,400 |
| 2024 | $90,700 |
| 2025 | $92,100 (prelim.) |
Suburban Federal Insurance Contributions Act (FICA)
FICA is federal and applies the same in every suburb. Employees pay 6.2% Social Security on wages up to the annual wage base (employers match) and 1.45% Medicare on all wages (also matched). High earners owe an extra 0.9% Medicare surtax above federal thresholds (no employer match). Section 125 health premiums usually reduce both income-tax and FICA wages, while traditional 401(k) lowers income-tax wages but not FICA. Your pay stub typically lists Social Security, Medicare, federal tax, state/local tax (if applicable), and pre-/post-tax deductions with year-to-date totals so you can verify per-check accuracy and annual tracking.
Suburban Number of Cities with Local Income Taxes
Local wage taxes exist in select states and metros (e.g., parts of OH, PA, MI, KY, MO, NY). Many suburbs have none; always confirm your city’s rules.
| Locality | Resident Rate | Nonresident Rate |
|---|---|---|
| Most U.S. suburbs | None | None |
| Ohio cities (e.g., Columbus) | ≈2.5% | ≈2.5% |
| Pennsylvania (e.g., Philadelphia) | ≈3.8% | ≈3.4% |
| New York City | ≈3.1%–3.9% | None |
How Your Suburban Paycheck Works
Your paycheck starts with gross wages. Payroll subtracts pre-tax benefits—traditional 401(k), HSA/FSA, Section 125 health premiums, and commuter benefits— to reach taxable wages. Withholding then includes federal income tax (W-4), FICA (Social Security and Medicare), and applicable state and local income taxes. Post-tax deductions—Roth 401(k), garnishments, union dues, charitable gifts—come out after taxes and do not reduce taxable wages. Your pay frequency (weekly, biweekly, semimonthly, monthly) changes per-check cash flow but not your annual tax liability. Review pay stubs after life events, address moves, or benefit changes to keep withholding aligned and avoid surprises at tax time.
Suburban Wage and Hour Laws: Overtime, Pay Frequency
Overtime: Most suburbs follow FLSA—non-exempt employees earn 1.5× their regular rate for hours over 40 in a workweek (state variations and exemptions apply).
Pay frequency: Employers must set regular paydays and pay consistently; biweekly and semimonthly schedules are common. State rules typically require timely final pay and itemized statements—check employer policy and local statutes.
FAQs
How do I use the Suburban Paycheck Calculator?
Enter gross pay, pay schedule, residence/work locations, pre-tax benefits, and deductions to estimate federal, FICA, state, and local withholding.
Does my suburb have a local wage tax?
Many do not, but some metros do. Check your city or township revenue office or employer’s payroll setup.
Which address controls state tax—home or work?
Often both matter. States tax residents on all income and nonresidents on in-state earnings; reciprocity agreements can alter results.
How do 401(k) and HSA contributions affect net pay?
They lower income-tax wages and increase take-home. Traditional 401(k) does not reduce FICA; Section 125 health premiums usually do.
Are bonuses and commissions withheld differently?
Yes. Employers may use federal percentage or aggregate methods; states/localities generally follow their own tables.
What if I work in the city but live in a suburb?
Your paycheck may include city wage tax if the work city levies one. Some places tax residents and nonresidents differently.
How do tips factor into suburban paychecks?
Reported tips are taxable for federal and FICA and, where applicable, state/local income taxes.
Why did my withholding change midyear?
Raises, overtime, supplemental pay, new W-4 elections, benefit changes, or local tax updates can alter per-check withholding.
What shows on a typical suburban pay stub?
Gross pay, federal tax, Social Security, Medicare, state/local taxes (if any), pre-/post-tax deductions, YTD totals, and net pay.