✓ 2026 federal figures · state rates from the Tax Foundation tables

The U.S. Take-Home Pay Report 2026

What a salary is actually worth after federal income tax, FICA and state income tax, computed for all fifty states and the District of Columbia, at five salary levels.

The short answer: on a $100,000 salary, take-home pay ranges from $79,180 in Alaska down to $72,032 in Oregon, a spread of $7,148 a year for identical work. Federal tax and FICA take $20,820 of that salary no matter where you live; everything above it is the state's doing.

The ten states where a $100,000 salary goes furthest

Ranked by annual take-home pay after federal income tax, FICA and state income tax, for a single filer taking the standard deduction.

#State Take-homeState taxTotal tax rate
1Alaska$79,180$020.8%
2Florida$79,180$020.8%
3Nevada$79,180$020.8%
4New Hampshire$79,180$020.8%
5South Dakota$79,180$020.8%
6Tennessee$79,180$020.8%
7Texas$79,180$020.8%
8Washington$79,180$020.8%
9Wyoming$79,180$020.8%
10North Dakota$78,511$66921.5%

The ten where it goes least far

#State Take-homeState taxTotal tax rate
42New York$74,320$4,86025.7%
43Virginia$74,244$4,93625.8%
44Connecticut$74,205$4,97525.8%
45California$74,125$5,05525.9%
46Maine$74,051$5,12925.9%
47Delaware$73,921$5,25926.1%
48Minnesota$73,903$5,27726.1%
49Washington, D.C.$73,648$5,53226.4%
50Hawaii$73,384$5,79626.6%
51Oregon$72,032$7,14828.0%

Every state, at five salary levels

Annual take-home pay after federal income tax, FICA and state income tax.

State$50,000$75,000$100,000$150,000$200,000
Alabama$40,286$58,466$75,078$107,768$141,004
Alaska$42,355$61,592$79,180$113,791$148,927
Arizona$41,499$60,111$77,074$110,435$144,321
Arkansas$40,993$59,305$75,690$108,441$141,727
California$41,315$58,818$74,125$104,086$134,572
Colorado$40,863$59,001$75,488$107,899$140,835
Connecticut$40,555$58,118$74,205$105,566$137,677
Delaware$40,257$57,984$73,921$105,232$137,068
Florida$42,355$61,592$79,180$113,791$148,927
Georgia$40,608$58,598$74,938$107,054$139,696
Hawaii$40,330$57,696$73,384$104,147$135,278
Idaho$40,968$58,881$75,143$107,104$139,590
Illinois$40,025$58,025$74,375$106,511$139,172
Indiana$40,910$59,410$76,260$109,396$143,056
Iowa$41,107$59,394$76,032$108,743$141,979
Kansas$40,365$58,207$74,400$106,221$138,567
Kentucky$40,723$59,085$75,798$108,659$142,045
Louisiana$41,240$59,728$76,565$109,676$143,312
Maine$40,658$58,208$74,051$104,372$135,526
Maryland$40,346$58,396$74,796$106,752$139,104
Massachusetts$40,175$58,162$74,500$106,611$139,247
Michigan$40,481$58,656$75,181$107,667$140,678
Minnesota$40,478$58,016$73,903$104,849$136,060
Mississippi$41,087$59,324$75,912$108,523$141,659
Missouri$40,987$59,059$75,510$107,678$140,464
Montana$40,762$58,716$74,891$106,677$138,988
Nebraska$40,960$59,060$75,510$107,846$140,707
Nevada$42,355$61,592$79,180$113,791$148,927
New Hampshire$42,355$61,592$79,180$113,791$148,927
New Jersey$41,140$58,996$75,000$106,426$138,377
New Mexico$41,171$59,233$75,611$107,772$140,458
New York$40,252$58,140$74,320$105,500$137,599
North Carolina$40,869$59,109$75,699$108,315$141,456
North Dakota$42,355$61,411$78,511$112,147$146,308
Ohio$41,424$59,974$76,867$110,103$143,864
Oklahoma$40,650$58,763$75,226$107,586$140,472
Oregon$39,151$56,538$72,032$100,986$131,172
Pennsylvania$40,820$59,290$76,110$109,186$142,787
Rhode Island$41,097$59,397$76,032$108,268$141,029
South Carolina$41,356$58,935$74,936$106,942$139,473
South Dakota$42,355$61,592$79,180$113,791$148,927
Tennessee$42,355$61,592$79,180$113,791$148,927
Texas$42,355$61,592$79,180$113,791$148,927
Utah$40,683$58,483$74,730$107,116$140,027
Vermont$41,114$59,147$75,084$106,253$137,589
Virginia$40,294$58,094$74,244$105,980$138,241
Washington$42,355$61,592$79,180$113,791$148,927
Washington, D.C.$40,521$58,164$73,648$104,010$134,896
West Virginia$40,911$59,047$75,489$107,810$140,656
Wisconsin$40,778$58,649$74,752$106,482$138,968
Wyoming$42,355$61,592$79,180$113,791$148,927

What the numbers show

The first thing the table makes obvious is how much of the bill is federal. At $100,000, federal income tax and FICA together come to $20,820 before a single state has taken anything. That is the floor everywhere in the country, and it is why the gap between the best and worst state ($7,148 a year) is smaller than most relocation arguments assume.

The second is that the states with no tax on wages (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming) cluster at the top of the ranking, which is exactly what you would expect and also exactly what makes the ranking misleading on its own. These states raise revenue through property, sales and severance taxes instead. Take-home pay is one line in a household budget, and a state that returns $7,148 more in salary can take more than that back in property tax on the same house. This report measures income tax. It does not measure cost of living.

The third is that the spread widens sharply with income. The difference between states is small at modest salaries, where standard deductions and personal exemptions absorb much of the base, and grows steadily as income climbs into the higher state brackets. A move that is worth little at $50,000 can be worth a great deal at $200,000.

Methodology

Every figure above is computed, not collected. Federal brackets, the standard deduction and FICA rates are the official IRS figures for tax year 2026 (Rev. Proc. 2025-32). State brackets, standard deductions and personal exemptions come from the Tax Foundation's published 2026 state tables. The same data drives the calculators on this site, and both the state figures and the federal figures are checked against their primary sources by an automated test on every build.

Assumptions: a single filer with no dependents, taking the standard deduction in both the federal and state calculation, with all income as wages. Not modeled: state tax credits, retirement-income exclusions, itemized deductions, local income taxes (levied in eleven states), part-year or non-resident residency, and any employer benefits. Washington taxes capital gains but not wages, so a wage earner there owes no state income tax.

These are estimates for comparison, not tax advice. To run your own numbers, use the state income tax calculator or compare two states directly with the state tax comparison calculator.

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Frequently Asked Questions

Which state has the highest take-home pay?

On a $100,000 salary, Alaska leaves a single filer with the most after federal tax, FICA and state income tax: $79,180 a year.

How much difference does moving states actually make?

On a $100,000 salary the gap between the best and worst jurisdiction is $7,148 a year. That is real money, but it is smaller than the federal bill everyone pays, and it ignores property and sales taxes, which no-income-tax states rely on.

How much of my salary goes to federal tax and FICA?

At $100,000, federal income tax and FICA together come to about $20,820 for a single filer taking the standard deduction, before any state tax. That portion is the same wherever you live.

Do these figures include local income tax?

No. Eleven states allow counties or cities to levy their own income tax on top of the state rate. Those are excluded here because they depend on exactly where you live and work.

Can I cite this report?

Yes, with attribution to QuickTaxTools and a link to this page. Every figure is computed from the published IRS and Tax Foundation figures listed in the methodology.