Maximizing Tax Savings: Navigating Reciprocal Tax Agreements Between Pennsylvania and Neighboring States(New Jersey)

For New Jersey, residents of reciprocal states like Pennsylvania can use Form NJ-165 (Employee’s Certificate of Nonresidence in New Jersey) to claim an exemption from New Jersey state income tax withholding.

Instructions for Using Form NJ-165:

  1. Who Should Use It:
    • Residents of Pennsylvania who work in New Jersey and wish to avoid New Jersey state income tax withholding.
  2. How to Use It:
    • Complete Form NJ-165, certifying that you are a resident of Pennsylvania and requesting exemption from New Jersey tax withholding.
    • Submit the completed form to your New Jersey employer to prevent New Jersey income tax from being withheld from your wages.
  3. Where to Get the Form:
  4. Additional Filing Requirements:
    • You are still required to file a Pennsylvania resident tax return and pay taxes to Pennsylvania on the income earned in New Jersey.

By submitting Form NJ-165, you ensure that New Jersey will not withhold state income tax from your paycheck, and you will only need to pay state taxes to Pennsylvania, your home state.

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