Income TaxData Study · 2026

Take-Home Pay by State 2026

Name: Take-Home Pay by State 2026: Net Pay After Taxes
Creator: KalkWise
License: https://kalkwise.com/terms/

How much of your salary do you actually keep? We calculated net take-home pay across all 50 states + Washington D.C. after federal income tax, FICA, state income tax and state payroll premiums — for a single filer with no pre-tax deductions. Toggle salary below to update all figures.

Updated June 2026 · Editorial standards

Gross salary:

Best state

$61,593

Florida

Worst state

$56,308

Oregon

Average take-home

$59,290

on $75,000

Best vs worst gap

$5,285

same salary, diff. state

State rankings

Top 10 and bottom 5 states by take-home pay on a $75,000 salary.

Top 10 — highest take-home

#1Florida

$61,59317.9%

#2New Hampshire

$61,59317.9%

#3Nevada

$61,59317.9%

#4South Dakota

$61,59317.9%

#5Tennessee

$61,59317.9%

#6Texas

$61,59317.9%

#7Wyoming

$61,59317.9%

#8North Dakota

$61,41118.1%

#9Alaska

$61,32218.2%

#10Washington

$60,55219.3%

Bottom 5 — lowest take-home

#47Maine

$57,87722.8%

#48California

$57,84322.9%

#49New York

$57,78423.0%

#50Maryland

$56,96224.1%

#51Oregon

$56,30824.9%

Legend:No state income taxLow / flat state taxHigh state income tax

State heatmap

Each tile shows a state's take-home rank on $75,000. Green = most take-home, red = least. Tap or hover a tile — details appear below the map.

More take-home

Less take-home

Tap or hover any state tile to see its figures here.

Full state comparison

Click any column header to sort. Click "Calculate" to run a personalised paycheck for that state.

		Federal	FICA				Details
#1	FLFlorida	−$7,670	−$5,738	None	$61,593	17.9%	Calculate →
#2	NHNew Hampshire	−$7,670	−$5,738	None	$61,593	17.9%	Calculate →
#3	NVNevada	−$7,670	−$5,738	None	$61,593	17.9%	Calculate →
#4	SDSouth Dakota	−$7,670	−$5,738	None	$61,593	17.9%	Calculate →
#5	TNTennessee	−$7,670	−$5,738	None	$61,593	17.9%	Calculate →
#6	TXTexas	−$7,670	−$5,738	None	$61,593	17.9%	Calculate →
#7	WYWyoming	−$7,670	−$5,738	None	$61,593	17.9%	Calculate →
#8	NDNorth Dakota	−$7,670	−$5,738	−$182	$61,411	18.1%	Calculate →
#9	AKAlaska	−$7,670	−$5,738	None	$61,322	18.2%	Calculate →
#10	WAWashington	−$7,670	−$5,738	None	$60,552	19.3%	Calculate →
#11	OHOhio	−$7,670	−$5,738	−$1,235	$60,357	19.5%	Calculate →
#12	AZArizona	−$7,670	−$5,738	−$1,473	$60,120	19.8%	Calculate →
#13	LALouisiana	−$7,670	−$5,738	−$1,767	$59,826	20.2%	Calculate →
#14	WVWest Virginia	−$7,670	−$5,738	−$1,904	$59,688	20.4%	Calculate →
#15	MSMississippi	−$7,670	−$5,738	−$1,956	$59,637	20.5%	Calculate →
#16	KYKentucky	−$7,670	−$5,738	−$2,062	$59,531	20.6%	Calculate →
#17	SCSouth Carolina	−$7,670	−$5,738	−$2,103	$59,490	20.7%	Calculate →
#18	INIndiana	−$7,670	−$5,738	−$2,183	$59,410	20.8%	Calculate →
#19	IAIowa	−$7,670	−$5,738	−$2,238	$59,354	20.9%	Calculate →
#20	PAPennsylvania	−$7,670	−$5,738	−$2,303	$59,238	21.0%	Calculate →
#21	NMNew Mexico	−$7,670	−$5,738	−$2,359	$59,233	21.0%	Calculate →
#22	VTVermont	−$7,670	−$5,738	−$2,412	$59,181	21.1%	Calculate →
#23	OKOklahoma	−$7,670	−$5,738	−$2,436	$59,157	21.1%	Calculate →
#24	NCNorth Carolina	−$7,670	−$5,738	−$2,484	$59,109	21.2%	Calculate →
#25	CTConnecticut	−$7,670	−$5,738	−$2,490	$59,103	21.2%	Calculate →
#26	WIWisconsin	−$7,670	−$5,738	−$2,518	$59,074	21.2%	Calculate →
#27	MOMissouri	−$7,670	−$5,738	−$2,588	$59,005	21.3%	Calculate →
#28	ARArkansas	−$7,670	−$5,738	−$2,592	$59,001	21.3%	Calculate →
#29	UTUtah	−$7,670	−$5,738	−$2,621	$58,971	21.4%	Calculate →
#30	NENebraska	−$7,670	−$5,738	−$2,772	$58,821	21.6%	Calculate →
#31	MTMontana	−$7,670	−$5,738	−$2,877	$58,716	21.7%	Calculate →
#32	DEDelaware	−$7,670	−$5,738	−$2,882	$58,710	21.7%	Calculate →
#33	ALAlabama	−$7,670	−$5,738	−$2,905	$58,688	21.8%	Calculate →
#34	COColorado	−$7,670	−$5,738	−$2,592	$58,671	21.8%	Calculate →
#35	MIMichigan	−$7,670	−$5,738	−$2,937	$58,656	21.8%	Calculate →
#36	MAMassachusetts	−$7,670	−$5,738	−$2,945	$58,648	21.8%	Calculate →
#37	IDIdaho	−$7,670	−$5,738	−$2,989	$58,603	21.9%	Calculate →
#38	GAGeorgia	−$7,670	−$5,738	−$2,994	$58,599	21.9%	Calculate →
#39	RIRhode Island	−$7,670	−$5,738	−$2,209	$58,559	21.9%	Calculate →
#40	NJNew Jersey	−$7,670	−$5,738	−$2,596	$58,491	22.0%	Calculate →
#41	KSKansas	−$7,670	−$5,738	−$3,199	$58,393	22.1%	Calculate →
#42	HIHawaii	−$7,670	−$5,738	−$3,368	$58,225	22.4%	Calculate →
#43	DCWashington D.C.	−$7,670	−$5,738	−$3,429	$58,164	22.4%	Calculate →
#44	VAVirginia	−$7,670	−$5,738	−$3,498	$58,094	22.5%	Calculate →
#45	MNMinnesota	−$7,670	−$5,738	−$3,556	$58,037	22.6%	Calculate →
#46	ILIllinois	−$7,670	−$5,738	−$3,568	$58,025	22.6%	Calculate →
#47	MEMaine	−$7,670	−$5,738	−$3,715	$57,877	22.8%	Calculate →
#48	CACalifornia	−$7,670	−$5,738	−$2,775	$57,843	22.9%	Calculate →
#49	NYNew York	−$7,670	−$5,738	−$3,453	$57,784	23.0%	Calculate →
#50	MDMaryland	−$7,670	−$5,738	−$4,630	$56,962	24.1%	Calculate →
#51	OROregon	−$7,670	−$5,738	−$4,835	$56,308	24.9%	Calculate →

Methodology

All figures assume a single filer with the federal standard deduction for federal tax ($16,100 — the 2026 figure, Rev. Proc. 2025-32), no pre-tax deductions (401k, HSA, etc.), and no local or city taxes — except Maryland, where county income tax is constitutionally mandatory and collected by the state alongside state tax (we apply the 3.2% statewide average).

State payroll contributions include Alaska employee UI (0.5% of reportable wages up to $54,200 in 2026) and Pennsylvania employee UC (0.07% of gross wages, no employee wage cap). Also modeled, at the 2026 maximum employee share: California SDI (1.3%, no wage cap), Colorado FAMLI (0.44%), New Jersey UI/workforce, TDI and FLI, New York disability and Paid Family Leave, Paid Leave Oregon (0.6%), Rhode Island TDI (1.1%), and Washington's Paid Family & Medical Leave and WA Cares (0.58%). Hawaii, Massachusetts, Connecticut, Delaware and Minnesota programs are not yet included. Assumes one covered job for the full year and no coverage exemption. Pay-period amounts average the annual deduction; actual payroll timing and rounding can differ.

Official sources for the added unemployment contributions: Alaska Department of Labor: 2026 employee UI rate and taxable wage base; Pennsylvania Department of Labor and Industry: Calendar Year 2026 UC tax highlights.

State taxable income uses the state's own deduction where it differs from the federal one: California ($5,706, then a $153 exemption credit off the tax; FTB 2025 figures), Georgia ($15,000), Illinois ($2,925 exemption), Indiana ($1,000 exemption), Michigan ($5,900 exemption), New Jersey ($1,000 exemption), New York ($8,000), North Carolina ($12,750), Pennsylvania (none) and Virginia ($8,750 plus a $930 exemption). Other states use the federal standard deduction as an approximation of their own.

Federal income tax uses 2026 IRS brackets (10%–37%, Rev. Proc. 2025-32). FICA includes Social Security (6.2% up to the wage base) and Medicare (1.45% + 0.9% additional Medicare tax above $200k).

Coverage: all 50 states + Washington D.C. — the nine zero-income-tax states (AK, FL, NV, NH, SD, TN, TX, WA, WY) plus all remaining states and DC using each jurisdiction's 2025 income tax schedule (graduated brackets or flat rate, single filer).

Results are before tax credits (EITC, child tax credit). For personalised numbers — your filing status, 401k, and city taxes — use the calculator linked in each row.

Frequently asked questions

Which state has the highest take-home pay?▾

At the $75,000 example salary in this model, seven states tie for the highest take-home: Texas, Florida, Nevada, Wyoming, South Dakota, Tennessee and New Hampshire. Alaska also has no state income tax, but employee unemployment insurance is 0.5% of reportable wages up to $54,200 in 2026, or $271 at $75,000 with no pre-tax deductions. Washington's employee paid-leave and WA Cares premiums also reduce take-home. No state income tax does not mean no payroll deductions. Rankings can differ at other salaries.

How much less do you take home in California vs Texas?▾

On a $75,000 salary, California's progressive income tax (up to 12.3%) creates a meaningful gap vs Texas (no income tax). For a single filer the gap is about $3,750/year at $75k and about $11,700/year at $150k. Federal tax and FICA are identical in both states — the difference is California's income tax plus its 1.3% SDI payroll contribution, which has no wage cap.

Does moving to a no-tax state always save money?▾

Not automatically. No-income-tax states often offset revenue via higher property taxes (Texas), higher sales taxes (Nevada, Tennessee), or higher cost of living (Washington). The figures here show income and payroll taxes only. For a full picture, compare property tax, sales tax, and housing costs together.

What is an effective tax rate?▾

Effective rate = total taxes paid ÷ gross income. It's always lower than your marginal rate because lower brackets apply to income below each threshold. A $75k earner in the 22% federal bracket typically has an effective federal rate of about 10% (roughly $7,700 of federal income tax), since the first $16,100 (2026 standard deduction) is untaxed and most of the rest falls in the 10% and 12% brackets.

How do I calculate my exact take-home pay?▾

This table uses standard assumptions (single, no 401k, no HSA). For a personalised number with your filing status, 401k contributions, health insurance, and city taxes, use the state-specific paycheck calculator linked in each row.

Want your exact take-home number?

The table uses standard assumptions. Enter your actual salary, filing status, and deductions for a precise paycheck.

Calculate my exact take-home →

Disclaimer: KalkWise calculators are for general informational purposes and do not constitute tax or financial advice. Results are estimates based on the figures and assumptions described above. Actual outcomes will vary. Consult a qualified tax professional before making financial decisions.