Pennsylvania variant. This is a Pennsylvania-specific version of the Workers Comp Cost Estimator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Workers Comp Cost Estimator.
Workers' compensation premiums in Pennsylvania are priced per $100 of payroll, by job classification. On a $73,170 salary at an illustrative $1.00 rate, the annual premium is about $732.
How Pennsylvania workers' comp is priced
Premium = (payroll ÷ 100) × class rate × experience modifier. Clerical roles carry low rates; construction and trucking carry much higher ones.
Pennsylvania sets its own rules and rates. The calculator above lets you enter your real payroll, class rate, and mod factor for an accurate Pennsylvania estimate.
About taxes and housing in Pennsylvania
Pennsylvania imposes a flat individual income tax, one of the lowest flat rates in the nation at about 3.07%.
Pennsylvania's effective property tax rate is near 1.5%, with affordable median home values around $250,000.
Pennsylvania's economy is anchored by healthcare, education, manufacturing, and energy, with major hubs in Philadelphia and Pittsburgh.
Worked example: $73,170 payroll
($73,170 ÷ 100) × $1.00 = $732/year at a sample clerical rate. A construction class rate of $8.00 would make it $5,854.
Quick reference
- State income tax: Flat 3.07% (lowest flat rate in US)
- State sales tax: 6% (plus 0.34% avg local)
- Median home value: $250,000
- Median household income: $73,170
- Effective property tax rate: 1.49%
- Avg auto insurance: $1,872/yr
Frequently Asked Questions
How is workers' comp calculated in Pennsylvania?
By payroll ÷ 100 × class rate × experience modifier, using Pennsylvania's approved rates.
Is workers' comp required in Pennsylvania?
Most Pennsylvania employers must carry coverage once they have employees; rules vary by industry and headcount.