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NationalDebtFacts

By state

Pennsylvania and the national debt

Pennsylvania is home to 13.1 million people, 3.8% of the country. Divided by population, that is a $1.53 trillion share of the national debt — not a bill the state owes, but the scale of it.

Population share of the debt

$1.53 trillion

3.8% of US residents · $117,172 each

Federal tax collected / resident

$14,466

IRS, FY 2025 · US $15,547

Federal grants / resident

$3,691

USAspending, FY 2025 · US $3,543

Unemployment rate

3.9%

BLS, July 2026

Federal money in and out of Pennsylvania

In fiscal year 2025 the IRS collected $188.91 billion in Pennsylvania$14,466 per resident, 7% below the national average. That ranks 21st highest of the 50 states and DC.

Federal grants to Pennsylvania — Medicaid, highways, education and hundreds of smaller programs, mostly paid to the state and local governments — came to $48.21 billion in fiscal year 2025. That is $3,691 per resident, 4% above the national average 22nd highest of the 50 states and DC.

Total federal contract and payment obligations are not compared by state: USAspending records large Medicare payments where the claims contractor or insurer is based. In fiscal year 2025 that placed about $90 billion of health spending on North Dakota, home of a major Medicare contractor. Grants are recorded with the state and local bodies that receive them, so they are the comparable figure.

Taxes and grants are not subtracted here either: taxes are counted where they are filed, often at a company’s headquarters. For an adjusted state balance of payments, see the Rockefeller Institute of Government.

Largest sources of federal grants in Pennsylvania

Grant obligations by awarding agency, fiscal year 2025.

Department of Health and Human Services$35.6 billion
Department of Transportation$4.1 billion
Department of Education$1.8 billion
Department of Agriculture$1.8 billion
Department of Housing and Urban Development$1.1 billion

Household debt in Pennsylvania

Per adult with a credit record, end of 2025. Private debt, separate from the national debt.

Mortgage$31,540
Auto loans$4,850
Student loans$6,450
Credit cards$3,950
Other, incl. home equity$3,570

In total that is $50,360 per adult with a credit record, 20% below the US figure of $63,200 35th highest of the 50 states and DC. 12.3% of credit card balances were 90 or more days late, against 12.4% nationally.

Pennsylvania’s economy

Pennsylvania produced $1.06 trillion of goods and services in 2025, 3.4% of US GDP. Per resident that is $80,895, 28th highest of the 50 states and DC. Measured by economic weight rather than headcount, its share of the national debt would be $1.38 trillion.

Common questions

What is Pennsylvania's share of the national debt?

No state owes the federal debt, but divided by population Pennsylvania's share would be $1.53 trillion, because 3.8% of US residents live there. Divided by its share of the US economy instead (3.4% of GDP in 2025), it would be $1.38 trillion. Either way the national figure per resident is $117,172.

How much federal tax is collected in Pennsylvania?

The IRS collected $188.91 billion in federal taxes in Pennsylvania in fiscal year 2025, about $14,466 per resident — 21st highest of the 50 states and DC. Collections are counted where tax is filed, so states with many company headquarters appear higher than their residents' own tax bills.

How much federal grant money goes to Pennsylvania?

Federal grants to Pennsylvania came to $48.21 billion in fiscal year 2025, or $3,691 per resident — 22nd highest of the 50 states and DC. The largest source was the Department of Health and Human Services. Total federal spending including contracts and Medicare payments is not compared by state, because USAspending records much of it where contractors and insurers are based.

How much household debt do people in Pennsylvania have?

Adults with a credit record in Pennsylvania owed $50,360 each on average at the end of 2025, 20% below the US figure of $63,200. Mortgages make up the largest part, at $31,540.

Other states

Sources

Household debt data: New York Fed Consumer Credit Panel / Equifax. © 2026 Federal Reserve Bank of New York. Content from the New York Fed subject to the Terms of Use at newyorkfed.org.

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