Take-Home Pay by State 2026
How much take-home pay do you keep in each state?
The same salary lands differently in every state. Pick your state for a take-home pay calculator preset with its real 2026 brackets, standard deduction, and exemptions, or run the national calculator here with any state. Take-home pay is what is left after three taxes. Federal income tax is computed from the 2026 brackets after the federal standard deduction ($16,100 single, $32,200 married filing jointly).
The same salary lands differently in every state. Pick your state for a take-home pay calculator preset with its real 2026 brackets, standard deduction, and exemptions, or run the national calculator here with any state.
Last updated: October 2026
Your pay details
Simple 2026 model: standard deduction and personal exemption only. No credits, no local taxes, no pre-tax deductions.
How take-home pay is calculated
Take-home pay is what is left after three taxes. Federal income tax is computed from the 2026 brackets after the federal standard deduction ($16,100 single, $32,200 married filing jointly). FICA is modeled as a flat 7.65 percent of gross pay (Social Security plus Medicare combined; very high earners hit the Social Security wage cap and the additional Medicare tax, which this simple model does not split out). State income tax is where states diverge: each state page subtracts that state's own standard deduction and personal exemption, then applies its flat rate or bracket schedule. No credits, no local taxes, and no pre-tax deductions are modeled.
The nine states with no tax on wages
Nine states take $0 of state income tax out of a paycheck in 2026:
New Hampshire never taxed wages, and its tax on interest and dividends was fully repealed on January 1, 2025. Tennessee repealed its Hall tax on interest and dividends in 2021. Washington taxes capital gains for high earners but does not tax wages.
Worked example: $75,000 in Texas vs. California
A single filer earning $75,000 owes the same federal tax ($7,670) and FICA ($5,738) in every state. In Texas, state tax is $0, so annual take-home pay is $61,592, or $2,368.94 per biweekly paycheck. In California, state tax is $2,941, so annual take-home pay is $58,652. That $2,941 yearly gap is the pure state tax effect.
State by state: tax on a $75,000 salary
Single filer, standard deduction and exemption only. Pick a state for its full calculator, bracket table, and worked examples at $60,000 and $100,000.
| State | 2026 state tax type | State tax on $75,000 (single) | Annual take-home on $75,000 |
|---|---|---|---|
| Alabama | graduated state income tax from 2% to 5% | $3,485 | $58,108 |
| Alaska | no state income tax on wages | $0 | $61,592 |
| Arizona | flat 2.5% state income tax | $1,666 | $59,926 |
| Arkansas | graduated state income tax from 2% to 3.9% | $2,741 | $58,851 |
| California | graduated state income tax from 1% to 13.3% | $2,941 | $58,652 |
| Colorado | flat 4.4% state income tax | $2,592 | $59,001 |
| Connecticut | graduated state income tax from 2% to 6.99% | $2,550 | $59,042 |
| Delaware | graduated state income tax from 0% to 6.6% | $3,719 | $57,874 |
| District of Columbia | graduated state income tax from 4% to 10.75% | $3,428 | $58,164 |
| Florida | no state income tax on wages | $0 | $61,592 |
| Georgia | flat 5.19% state income tax | $3,270 | $58,323 |
| Hawaii | graduated state income tax from 1.4% to 11% | $4,170 | $57,423 |
| Idaho | flat 5.3% state income tax | $2,867 | $58,726 |
| Illinois | flat 4.95% state income tax | $3,568 | $58,025 |
| Indiana | flat 2.95% state income tax | $2,183 | $59,410 |
| Iowa | flat 3.8% state income tax | $2,238 | $59,354 |
| Kansas | graduated state income tax from 5.2% to 5.58% | $3,385 | $58,207 |
| Kentucky | flat 3.5% state income tax | $2,507 | $59,085 |
| Louisiana | flat 3% state income tax | $1,875 | $59,718 |
| Maine | graduated state income tax from 5.8% to 7.15% | $3,881 | $57,712 |
| Maryland | graduated state income tax from 2% to 6.5% | $3,199 | $58,394 |
| Massachusetts | graduated state income tax from 5% to 9% | $3,530 | $58,062 |
| Michigan | flat 4.25% state income tax | $2,937 | $58,656 |
| Minnesota | graduated state income tax from 5.35% to 9.85% | $3,577 | $58,016 |
| Mississippi | graduated state income tax from 0% to 4% | $2,268 | $59,324 |
| Missouri | graduated state income tax from 0% to 4.7% | $2,588 | $59,005 |
| Montana | graduated state income tax from 4.7% to 5.65% | $2,877 | $58,716 |
| Nebraska | graduated state income tax from 2.46% to 4.55% | $2,709 | $58,884 |
| Nevada | no state income tax on wages | $0 | $61,592 |
| New Hampshire | no state income tax on wages | $0 | $61,592 |
| New Jersey | graduated state income tax from 1.4% to 10.75% | $2,598 | $58,995 |
| New Mexico | graduated state income tax from 1.5% to 5.9% | $2,359 | $59,233 |
| New York | graduated state income tax from 3.9% to 10.9% | $3,453 | $58,140 |
| North Carolina | flat 3.99% state income tax | $2,484 | $59,109 |
| North Dakota | graduated state income tax from 0% to 2.5% | $203 | $61,389 |
| Ohio | graduated state income tax from 0% to 2.75% | $1,280 | $60,312 |
| Oklahoma | graduated state income tax from 0% to 4.5% | $2,830 | $58,763 |
| Oregon | graduated state income tax from 4.75% to 9.9% | $5,989 | $55,604 |
| Pennsylvania | flat 3.07% state income tax | $2,302 | $59,290 |
| Rhode Island | graduated state income tax from 3.75% to 5.99% | $2,196 | $59,397 |
| South Carolina | graduated state income tax from 0% to 6% | $3,343 | $58,250 |
| South Dakota | no state income tax on wages | $0 | $61,592 |
| Tennessee | no state income tax on wages | $0 | $61,592 |
| Texas | no state income tax on wages | $0 | $61,592 |
| Utah | flat 4.5% state income tax | $3,375 | $58,218 |
| Vermont | graduated state income tax from 3.35% to 8.75% | $2,490 | $59,103 |
| Virginia | graduated state income tax from 2% to 5.75% | $3,498 | $58,094 |
| Washington | no state income tax on wages | $0 | $61,592 |
| West Virginia | graduated state income tax from 2.22% to 4.82% | $2,680 | $58,912 |
| Wisconsin | graduated state income tax from 3.5% to 7.65% | $2,594 | $58,998 |
| Wyoming | no state income tax on wages | $0 | $61,592 |
Take-home pay calculators by state
- Alabama take-home pay (graduated state income tax from 2% to 5%)
- Alaska take-home pay (no state income tax on wages)
- Arizona take-home pay (flat 2.5% state income tax)
- Arkansas take-home pay (graduated state income tax from 2% to 3.9%)
- California take-home pay (graduated state income tax from 1% to 13.3%)
- Colorado take-home pay (flat 4.4% state income tax)
- Connecticut take-home pay (graduated state income tax from 2% to 6.99%)
- Delaware take-home pay (graduated state income tax from 0% to 6.6%)
- District of Columbia take-home pay (graduated state income tax from 4% to 10.75%)
- Florida take-home pay (no state income tax on wages)
- Georgia take-home pay (flat 5.19% state income tax)
- Hawaii take-home pay (graduated state income tax from 1.4% to 11%)
- Idaho take-home pay (flat 5.3% state income tax)
- Illinois take-home pay (flat 4.95% state income tax)
- Indiana take-home pay (flat 2.95% state income tax)
- Iowa take-home pay (flat 3.8% state income tax)
- Kansas take-home pay (graduated state income tax from 5.2% to 5.58%)
- Kentucky take-home pay (flat 3.5% state income tax)
- Louisiana take-home pay (flat 3% state income tax)
- Maine take-home pay (graduated state income tax from 5.8% to 7.15%)
- Maryland take-home pay (graduated state income tax from 2% to 6.5%)
- Massachusetts take-home pay (graduated state income tax from 5% to 9%)
- Michigan take-home pay (flat 4.25% state income tax)
- Minnesota take-home pay (graduated state income tax from 5.35% to 9.85%)
- Mississippi take-home pay (graduated state income tax from 0% to 4%)
- Missouri take-home pay (graduated state income tax from 0% to 4.7%)
- Montana take-home pay (graduated state income tax from 4.7% to 5.65%)
- Nebraska take-home pay (graduated state income tax from 2.46% to 4.55%)
- Nevada take-home pay (no state income tax on wages)
- New Hampshire take-home pay (no state income tax on wages)
- New Jersey take-home pay (graduated state income tax from 1.4% to 10.75%)
- New Mexico take-home pay (graduated state income tax from 1.5% to 5.9%)
- New York take-home pay (graduated state income tax from 3.9% to 10.9%)
- North Carolina take-home pay (flat 3.99% state income tax)
- North Dakota take-home pay (graduated state income tax from 0% to 2.5%)
- Ohio take-home pay (graduated state income tax from 0% to 2.75%)
- Oklahoma take-home pay (graduated state income tax from 0% to 4.5%)
- Oregon take-home pay (graduated state income tax from 4.75% to 9.9%)
- Pennsylvania take-home pay (flat 3.07% state income tax)
- Rhode Island take-home pay (graduated state income tax from 3.75% to 5.99%)
- South Carolina take-home pay (graduated state income tax from 0% to 6%)
- South Dakota take-home pay (no state income tax on wages)
- Tennessee take-home pay (no state income tax on wages)
- Texas take-home pay (no state income tax on wages)
- Utah take-home pay (flat 4.5% state income tax)
- Vermont take-home pay (graduated state income tax from 3.35% to 8.75%)
- Virginia take-home pay (graduated state income tax from 2% to 5.75%)
- Washington take-home pay (no state income tax on wages)
- West Virginia take-home pay (graduated state income tax from 2.22% to 4.82%)
- Wisconsin take-home pay (graduated state income tax from 3.5% to 7.65%)
- Wyoming take-home pay (no state income tax on wages)
For a single combined estimate with pre-tax deductions, use the paycheck calculator; for federal tax alone, use the income tax estimator.
Take-home pay FAQs
How is take-home pay calculated?
Take-home pay equals gross pay minus federal income tax, minus FICA (7.65 percent of gross in this simple model), minus state income tax. Federal tax uses the 2026 brackets after the standard deduction ($16,100 single, $32,200 married filing jointly). State tax uses each state's own 2026 brackets, standard deduction, and personal exemption.
Which states have no income tax on wages?
Nine states tax no wage income in 2026: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire repealed its interest and dividends tax on January 1, 2025, Tennessee repealed its Hall tax in 2021, and Washington taxes capital gains only, not wages.
Why does the same salary pay differently in different states?
Federal tax and FICA are identical everywhere, so the whole difference is state tax. On $75,000 as a single filer, state tax is $0 in Texas and $2,941 in California, so annual take-home pay is $61,592 in Texas and $58,652 in California.
Does this include local taxes, credits, and 401(k) deductions?
No. These pages model federal tax, FICA, and state tax with the standard deduction and personal exemption only. Local income taxes (for example New York City), tax credits, and pre-tax deductions are not included, so a real paycheck can differ.