SOC 49-9021

HVAC/R Technician Salary in Philadelphia, PA-NJ-DE-MD (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + PA + Municipal
COL Index: 119.89 (+19.9% vs US)
Net Compensation Yield 71.6% Realized
$46,266 / net annual direct deposit
Gross Adjusted $64,580 $31.05/hr
Effective Tax Drag 22.36% Combined Jurisdictions
Marginal Top Bracket 12% Federal Statutory
Total Withheld -$14,440 $555.37/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $31.05 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$3,875/yr)
0% Tax Shield: ~$465/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$5,105
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,004
Medicare Hospital Insurance
Statutory 1.45%
-$936
Pennsylvania Individual Income Tax
State Marginal Bracket
-$1,983
Philadelphia wage tax
3.74%
-$2,412
Net Take-Home Annual Realized
$46,266 ($1,779.44 / check)
Category 2 of 6

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD HVAC/R Technician Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $64,580
MIDDLE 50% (IQR RANGE) 10th $45.5k 25th $52.0k Median: $64,580 50th (Median) $64.6k 75th $79.0k 90th $101k You: $64,580
10th (Entry) $45,510 $21.88/hr
25th (Junior) $52,000 $25.00/hr
50th (Median) $64,580 $31.05/hr
75th (Senior) $79,030 $38.00/hr
90th (Lead/Master) $100,800 $48.46/hr
Career Progression & Licensing Milestones for HVAC/R Technician in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
1
HVAC Apprentice / HelperEPA 608 Universal Certification, trade school certificate
$40,435$19.44/hr · 0-2 Years
2
Service TechnicianNATE certification, independent diagnostic electrical skills
$62,452$30.02/hr · 2-5 Years
3
Lead Commercial HVAC TechChiller, VRF, and building automation system certifications
$83,093$39.95/hr · 5-9 Years
4
HVAC Mechanical ContractorState Mechanical Contractor license, bonded, business operations
$114,320$54.96/hr · 9+ Years
Scaled to the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD medianView National HVAC/R Technician Salary Data
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
40% of Net Income
⚠️ Cost-Burdened (Exceeds 30% Rule)
HUD Fair Market Rent (1-Bedroom) $1,558/month Requires minimum annual gross of $62,320
HUD Fair Market Rent (2-Bedroom) $1,860/month Requires minimum annual gross of $74,400
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $26.51/hr
Per adult, 2 working adults + 1 child: $24.25/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$64,580-$14,440$46,266$1,779.44
+5h Overtime/Wk45 hrs$76,689-$18,115$53,973$2,075.88
+10h Overtime/Wk50 hrs$88,798-$22,369$61,101$2,350.02
+15h Overtime/Wk55 hrs$100,906-$26,623$68,228$2,624.17
+20h Overtime/Wk60 hrs$113,015-$30,878$75,356$2,898.32
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

HVAC/R Technician in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Pennsylvania tax codes.

Market Baseline
$64,580/yr
$31.05/hr · SOC 49-9021
Statutory Tax Drag
22.36% Effective
-$14,440 in Total Taxes
HUD 1BR Shelter Ratio
40% Net Pay
⚠️ Exceeds 30% HUD Rule
Monthly Discretionary
+$2,297/mo
Post-$1,558/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 49-9021
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

HVAC/R Technician in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD: Market Snapshot

HVAC/R Technician roles in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD report a median annual wage of $64,580, 5.9% above the national median of $61,010. The 10th to 90th percentile band runs from $45,510 to $100,800, and HUD’s $1,558 monthly one-bedroom fair market rent equals 29.0% of that median gross pay. The single-adult living wage benchmark for the area is $26.51 per hour.

Highest-paying metropolitan areas for HVAC/R Technician

Metropolitan areaMedian annual wageVs this market
Fairbanks-College, AK$93,820+45.3%
Anchorage, AK$85,620+32.6%
Napa, CA$84,570+31.0%
San Jose-Sunnyvale-Santa Clara, CA$82,050+27.1%
Seattle-Tacoma-Bellevue, WA$80,100+24.0%
Santa Rosa-Petaluma, CA$79,510+23.1%
Peoria, IL$78,710+21.9%
Santa Maria-Santa Barbara, CA$78,640+21.8%
Boston-Cambridge-Newton, MA-NH$78,530+21.6%
San Francisco-Oakland-Fremont, CA$78,490+21.5%

Top-paying occupations benchmarked in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

OccupationMedian annual wageMedian hourly
Chief Executives$292,770$140.75/hr
Computer and Information Systems Managers$173,470$83.40/hr
Natural Sciences Managers$172,900$83.12/hr
Architectural and Engineering Managers$171,140$82.28/hr
Financial Manager$166,920$80.25/hr
Marketing Managers$166,310$79.96/hr
Data Engineer$163,590$78.65/hr
Sales Managers$156,500$75.24/hr
Purchasing Managers$155,500$74.76/hr
Human Resources Managers$154,490$74.27/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 389 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

HVAC/R Technician Salary in Philadelphia, PA-NJ-DE-MD (2026) Overview

HVAC/R Technician median pay in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD is $64,580 a year ($31.05/hr). See take-home pay after 2026 taxes, BLS wage. Official 2026 economic data for HVAC/R Technician in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for a HVAC/R Technician in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD?

The median annual wage is $64,580 ($31.05 per hour). The middle 80% of earners make between $45,510 and $100,800. Source: BLS OEWS (May 2025).

What is the take-home pay for a HVAC/R Technician in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD after taxes?

On the median wage of $64,580, a single filer with no pre-tax deductions takes home about $49,675 a year ($4,140 a month) after $14,905 in federal, FICA, state and local taxes, an effective rate of 23.08%, using 2026 tax rules.