Take-Home Pay Calculator by State 2026
A salary calculator by state: enter your salary once and compare your take-home pay in all 50 states and DC, ranked from most to least. It shows what is left after federal tax, state tax, Social Security and Medicare.
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Why take-home pay is different in every state
Federal income tax, Social Security and Medicare are the same wherever you live. The only thing that changes is state income tax. 9 states do not tax wages at all, 14 charge one flat rate, and 28 (including DC) use brackets that rise with income.
That one line on your paycheck adds up. On a $75,000 salary you keep about 82% of your pay in a no-income-tax state and 75% in Maryland. The gap between the best and worst state is about $5,646 a year, or $217 per biweekly paycheck.
Want the full paycheck breakdown for one state? Use the paycheck calculator.
Compare take-home pay by state on a $75,000 salary (2026)
Every state ranked for a single filer earning $75,000 with no 401(k) or other deductions. Your own salary may change the order, so enter it in the calculator above.
| # | State | State tax / year | Take-home / year | Per month |
|---|---|---|---|---|
| 1 | Alaska | $0 | $61,593 | $5,133 |
| 2 | Florida | $0 | $61,593 | $5,133 |
| 3 | Nevada | $0 | $61,593 | $5,133 |
| 4 | New Hampshire | $0 | $61,593 | $5,133 |
| 5 | South Dakota | $0 | $61,593 | $5,133 |
| 6 | Tennessee | $0 | $61,593 | $5,133 |
| 7 | Texas | $0 | $61,593 | $5,133 |
| 8 | Wyoming | $0 | $61,593 | $5,133 |
| 9 | North Dakota | $306 | $61,287 | $5,107 |
| 10 | Washington | $435 | $61,158 | $5,096 |
| 11 | Ohio | $1,346 | $60,246 | $5,021 |
| 12 | Arizona | $1,510 | $60,083 | $5,007 |
| 13 | Louisiana | $1,875 | $59,718 | $4,976 |
| 14 | South Carolina | $2,160 | $59,433 | $4,953 |
| 15 | Indiana | $2,213 | $59,380 | $4,948 |
| 16 | Arkansas | $2,316 | $59,276 | $4,940 |
| 17 | Pennsylvania | $2,355 | $59,238 | $4,936 |
| 18 | Rhode Island | $2,432 | $59,161 | $4,930 |
| 19 | North Carolina | $2,484 | $59,109 | $4,926 |
| 20 | Kentucky | $2,507 | $59,085 | $4,924 |
| 21 | Mississippi | $2,508 | $59,085 | $4,924 |
| 22 | West Virginia | $2,638 | $58,955 | $4,913 |
| 23 | Colorado | $2,640 | $58,953 | $4,913 |
| 24 | Missouri | $2,663 | $58,930 | $4,911 |
| 25 | New Mexico | $2,680 | $58,912 | $4,909 |
| 26 | Wisconsin | $2,714 | $58,878 | $4,907 |
| 27 | Nebraska | $2,784 | $58,809 | $4,901 |
| 28 | Iowa | $2,850 | $58,743 | $4,895 |
| 29 | Oklahoma | $2,875 | $58,718 | $4,893 |
| 30 | Vermont | $3,013 | $58,580 | $4,882 |
| 31 | New Jersey | $3,071 | $58,521 | $4,877 |
| 32 | Georgia | $3,144 | $58,449 | $4,871 |
| 33 | Michigan | $3,188 | $58,405 | $4,867 |
| 34 | Idaho | $3,201 | $58,391 | $4,866 |
| 35 | Utah | $3,338 | $58,255 | $4,855 |
| 36 | Connecticut | $3,375 | $58,218 | $4,851 |
| 37 | New York | $3,453 | $58,140 | $4,845 |
| 38 | Montana | $3,478 | $58,114 | $4,843 |
| 39 | District of Columbia | $3,534 | $58,059 | $4,838 |
| 40 | Alabama | $3,560 | $58,033 | $4,836 |
| 41 | Virginia | $3,595 | $57,998 | $4,833 |
| 42 | Minnesota | $3,673 | $57,920 | $4,827 |
| 43 | Illinois | $3,713 | $57,880 | $4,823 |
| 44 | Delaware | $3,719 | $57,874 | $4,823 |
| 45 | Massachusetts | $3,750 | $57,843 | $4,820 |
| 46 | Maine | $3,830 | $57,763 | $4,814 |
| 47 | California | $3,887 | $57,705 | $4,809 |
| 48 | Kansas | $3,902 | $57,690 | $4,808 |
| 49 | Oregon | $5,105 | $56,487 | $4,707 |
| 50 | Hawaii | $5,260 | $56,333 | $4,694 |
| 51 | Maryland | $5,646 | $55,947 | $4,662 |
State tax includes these extra withholdings where they apply: California: State Disability Insurance (SDI); Maryland: County/Local Tax (average); New Jersey: TDI & FLI; Oregon: Statewide Transit Tax; Pennsylvania: employee unemployment contribution; Washington: Cares (Long-Term Care). Other city and county income taxes are not included.
Moving state to state? What changes on a $100,000 salary
Common moves for a single filer earning $100,000. Only the state tax changes, so this is the yearly raise (or cut) you get from the move alone.
| Move | Take-home before | Take-home after | Change / year |
|---|---|---|---|
| California → Texas | $72,690 | $79,180 | +$6,490 |
| New York → Florida | $74,320 | $79,180 | +$4,860 |
| Illinois → Tennessee | $74,230 | $79,180 | +$4,950 |
| Massachusetts → New Hampshire | $74,180 | $79,180 | +$5,000 |
| Oregon → Washington | $71,862 | $78,600 | +$6,738 |
What a take-home comparison leaves out
- Property tax. Some no-income-tax states, like Texas, have high property tax. Check it with the property tax calculator.
- Sales tax. Tennessee and Washington have some of the highest combined sales tax rates. See the sales tax calculator.
- City income tax. New York City, Philadelphia and many Ohio and Pennsylvania towns tax wages on top of the state.
- Cost of living. Rent and home prices often matter more than the tax gap. A higher take-home is only a win if it covers the difference.
How take-home pay is calculated in each state (2026)
Federal tax and FICA are the same everywhere. Only the state step changes.
Federal Tax = Brackets applied to (Gross − Standard Deduction − Pre-Tax Deductions)Example:
Single filer, $75,000 salary
Variables:
Social Security = min(Gross, $184,500) × 6.2% Medicare = Gross × 1.45%Example:
$75,000 salary
Variables:
State Tax = State brackets or flat rate applied to (Gross − State Deductions)Example:
$75,000 single: Texas vs California
Variables:
These formulas provide the mathematical foundation for the calculations. Actual results may vary based on rounding, compounding frequency, and specific lender policies.
Take-Home Pay Calculators for All 50 States + DC (2026)
Open a state to see its own income tax brackets, local add-ons and a full paycheck breakdown for that state.
- Alabama
- Alaskano income tax
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Floridano income tax
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevadano income tax
- New Hampshireno income tax
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakotano income tax
- Tennesseeno income tax
- Texasno income tax
- Utah
- Vermont
- Virginia
- Washingtonno income tax
- West Virginia
- Wisconsin
- Wyomingno income tax
Take-home pay by state FAQs
Quick answers about how much you keep in each state.
Which states give you the highest take-home pay?
Which state takes the most from a paycheck?
How much more do you take home in Texas than in California?
Does this include city or local income taxes?
Does filing status change the ranking?
Is a state with no income tax always cheaper to live in?
Sources and how we calculate
Published by Financial Calculator. Editorial policy. Publisher attribution, not a claim of professional review.
Federal brackets, standard deductions and FICA rates come from the IRS and SSA. State brackets, flat rates and payroll taxes come from each state's revenue department.
- IRS: 2026 tax brackets and standard deduction
- SSA: 2026 Social Security and Medicare tax rates
- IRS Publication 15-T: Federal Income Tax Withholding Methods
Figures last checked on November 1, 2026. Read our calculation methodology for data sources and update schedule.