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Pennsylvania taxpayers can get a state tax deduction for contributing up to $19,000 (single) or $38,000 (joint) a year, and it applies to any state's 529 plan. Here are the facts on Pennsylvania's direct-sold 529 plan (the one you open yourself, without an advisor).
Effective for tax years beginning on or after January 1, 2006, Pennsylvania provides an annual deduction from taxable income for the amount paid as a contribution into any qualified tuition program. The deduction cannot exceed the “annual exclusion” from Federal gift tax for each designated beneficiary, and, for all designated beneficiaries, cannot exceed the donor’s taxable personal income for the taxable year of the contribution(s).
Summary of state law from the ICI 2025 state tax survey; it may predate 2026 changes.
2026 limits and parity: Savingforcollege. Manager, fees and minimum: only when stated on the plan's homepage text we read (2026-10-12); otherwise 'not found'. Check the plan's disclosure document for exact fees.
Yes: a deduction for up to $19,000 (single) / $38,000 (joint) of contributions in 2026 It applies to any state's plan.
No. You can use any state's plan; you may lose your state's tax break if your state doesn't offer tax parity.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.