Take-Home Pay by State

Jessie · Last updated:

Facts verified: against 3 source-backed data records; page sources include IRS and SSA (2026); official 2026 state tax sources for all 50 states plus D.C.

Reviewed by Jessie for editorial clarity and sourcing. See more by Jessie.

Enter your salary to compare estimated take-home pay across every state, color-coded from highest to lowest.

Model scope: estimated annual taxes on wages, not an employer payroll-withholding calculation. State results use single-filer schedules; the filing-status control changes federal tax only. CO, ID, LA, UT have provisional inputs. Full state-source review: 2026-08-11; AZ, CO, ID, LA and UT rechecked 2026-09-21. Read the assumptions and exclusions.

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Interactive Map - Click Any State

Showing income tax burden (federal + state income + FICA). Switch to "Total effective rate" above to include property and sales tax.

AL AK AZ CO FL GA IN KS ME MA MN NJ NC ND OK PA SD TX WY CT MO WV IL NM AR CA DE DC HI IA KY MD MI MS MT NH NY OH OR TN UT VA WA WI NE SC ID NV VT LA RI
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All 50 States + DC - Ranked

Based on your inputs above. Click any row to see a detailed breakdown in the Paycheck Calculator.

# State Take-Home Effective Rate State Tax

How to read and cite this map

The income-tax view subtracts federal income tax, employee Social Security and Medicare, and modeled state income tax from annual wages. It assumes one wage earner. Filing status changes federal taxes; state estimates use the single-filer model for every selection. It assumes the basic federal standard deduction, with no dependents, retirement contributions or benefit deductions. Results estimate annual liability; actual paycheck withholding and refunds can differ.

Local income taxes, state disability and paid-leave premiums, and living costs are excluded. Some state deductions and credits are simplified or omitted, including Oregon's federal-tax subtraction and exemption credits; Alabama's deductions are approximated. Provisional inputs: CO, ID, LA, UT.

The optional total-effective view adds separate property- and sales-tax approximations using 2024 state-level inputs. It is not a cost-of-living ranking or a prediction of your household's actual spending.

To reproduce the shared $100,000 chart, choose $100,000, Single and Income tax only. When sharing a result, include the salary, filing status, selected view and the state-source review date (2026-08-11). Link to PennyCalc's interactive take-home-pay map and retain these model limits.

Add retirement deductions and selected local taxes in the paycheck calculator.

Official state sources and model limitations

What changes when you compare states

For the same income and federal filing status, this model keeps federal taxes fixed across states. Differences in the ranking come from modeled state income tax. Deductions, credits and local taxes can change the result for a particular household.

States without wage income tax

Nine states do not levy a broad tax on wage income: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. That does not mean every type of income is exempt or that total household taxes are lowest there.

Property and Sales Tax Fill Some of the Gap

Property and sales taxes depend on where you live, what you own and what you buy. The optional total-effective view uses a home value of three times salary and taxable spending equal to 30% of after-tax income. Those are modeling assumptions, not typical costs for every household.

Flat-Rate vs. Progressive States

A flat-rate system applies one rate to taxable income. A progressive system applies different rates to slices of income. State deductions and credits also matter, so the top tax rate alone does not tell you how much of your salary you keep. Try the salary presets to see how the modeled ranking changes.

The Local Tax Wildcard

The map excludes local income taxes. Cities and counties in places such as New York, Ohio, Maryland and Pennsylvania can impose additional taxes. Use the Paycheck Calculator for supported local-tax estimates, and check the relevant local rules before relying on a result.

Beyond Tax: The Full Picture

When deciding where to live - or evaluating a job offer in another state - taxes are only part of the picture. Cost of living, salary differentials, housing market dynamics, and quality of public services all matter and often push in opposite directions to the tax math. Use the map and table above as one input, not the deciding factor.

This map compares taxes on the same salary today. For the longer view, our buying-power history compares the federal minimum, typical worker earnings, and household income after inflation.

Related tools and reading

Frequently Asked Questions

Which states have the highest take-home pay?
The nine states with no income tax - Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming - generally offer the highest take-home pay on income tax alone. But once you fold in property tax and sales tax, the rankings shift. Wyoming and South Dakota stay near the top on a total-effective basis, while Texas and Washington drop a few spots because of high property and sales tax respectively.
Why does the same salary produce different take-home pay in different states?
Each state sets its own income tax policy. Some charge nothing (like Texas and Florida), some use a flat rate (like Illinois at 4.95%), and others use progressive brackets that increase with income (like California, up to 13.3%). A few states also allow cities to levy additional local income taxes. Federal taxes and FICA remain the same regardless of state.
How much can I save by moving to a no-income-tax state?
Enter your salary and compare modeled state tax in the ranked table. The difference is an estimate before local taxes and omitted adjustments. Housing costs, property tax, sales tax and moving costs can outweigh the state income-tax difference.
Does this map account for local taxes like New York City's?
This map shows state-level income tax only to provide an apples-to-apples comparison across all 50 states. Some cities and counties levy additional local income taxes - notably New York City (up to 3.876%), parts of Ohio, Maryland counties, and others. Use our full Paycheck Calculator to include local taxes for a more detailed planning estimate.
How are the federal taxes on this map calculated?
Federal income tax uses 2026 brackets and the standard deduction ($16,100 for single filers, $32,200 for married filing jointly). FICA includes Social Security at 6.2% (capped at $184,500) and Medicare at 1.45%, plus the 0.9% Additional Medicare Tax above $200,000 for single/head-of-household filers or $250,000 for married filing jointly. It assumes one wage earner; the Social Security cap applies separately to each worker in a two-earner household. State calculations use the single-filer schedules described below; changing filing status adjusts the federal calculation only.
How is the 'total effective rate' calculated?
The total effective rate adds an estimate of property tax and sales tax to the income + FICA burden. Property tax assumes a home priced at 3x annual gross income at the state's average effective rate (a modeling assumption). Sales tax assumes 30% of after-tax income is spent on taxable goods at the state's combined state + average local rate. These are approximations meant for ranking, not precise tax planning.

Educational planning estimate only. All state income-tax schedules were source-checked for 2026 and use a single-filer wage-income model; credits, adjustments, payroll premiums, and local taxes may be simplified or omitted. Property and sales-tax inputs are separately labeled 2024 state-level approximations, and actual amounts depend on local jurisdiction.