Estate Planning & Administration

Pennsylvania Inheritance Tax — Planning Implications

Pennsylvania is one of only six states with an inheritance tax — imposed on each beneficiary based on their relationship to the decedent, not on the estate itself.

Current Tax Rates

⚠ Trust Myth

A revocable living trust does NOT reduce Pennsylvania inheritance tax. The assets are taxed identically whether they pass through a will or a revocable trust.

What CAN Reduce Inheritance Tax

⚠ The 15% Trap — Unmarried Partners & Non-Relatives

If you leave assets to an unmarried partner, close friend, or any non-relative, they'll pay 15% inheritance tax on every dollar. A $500,000 bequest to a life partner costs $75,000 in tax. Planning strategies exist — ILITs, lifetime gifting, joint accounts established more than one year before death — but they require advance planning. Once the decedent has passed, it's too late.

Filing Details & the 5% Discount

For complete inheritance tax filing procedures, deadlines, real estate valuation (CLR factor), and the REV-1500 return, see our Estate Planning & Administration section — "Pennsylvania Inheritance Tax: Complete Guide."

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