Take-home pay on $75,000 and $100,000 in all 51 states, compared (2026)
On an identical $75,000 salary in 2026, a single filer taking the standard deduction keeps $61,593 a year in the seven highest-take-home jurisdictions (Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas and Wyoming) but only $55,079 in Oregon, a $6,514 difference in annual take-home pay across the 51 US jurisdictions, entirely from state income tax and employee-paid state payroll premiums, because the $13,408 of federal income tax and FICA is the same in every one of them.
A job offer is not the same offer everywhere. We ran two identical salaries, $75,000 and $100,000, through the 2026 rules of all 50 states and the District of Columbia, except Arizona, California, District of Columbia, Idaho, Maryland and Vermont, still on their 2025 tables, for a single filer taking the standard deduction and no other deductions. On $75,000 the modelled annual take-home pay runs from $61,593 down to $55,079, a $6,514 gap on the same gross pay. On $100,000 the same gap widens to $8,876. Both salaries sit side by side in one table below, so you can read your own state at either level without leaving its row.
On a $75,000 salary
On a $100,000 salary
Take-home pay on $75,000 and $100,000, all 51 jurisdictions
Single filer, standard deduction, 2026 rules, paid as one annual amount. Ranked by take-home pay on $75,000; tap the $100,000 column heading to re-rank the table by that salary instead, or search to filter. Every state name links to that state's own paycheck calculator, where you can change the salary, filing status and pay frequency.
| #on $75,000 | Stateopens its calculator | Take-homeon $75,000 | Take-homeon $100,000 | State taxon $75,000 | State taxon $100,000 | Total tax rateon $75,000 | Total tax rateon $100,000 |
|---|---|---|---|---|---|---|---|
| 1 | Florida | $61,593 | $79,180 | None | None | 17.88% | 20.82% |
| 1 | Nevada | $61,593 | $79,180 | None | None | 17.88% | 20.82% |
| 1 | New Hampshire | $61,593 | $79,180 | None | None | 17.88% | 20.82% |
| 1 | South Dakota | $61,593 | $79,180 | None | None | 17.88% | 20.82% |
| 1 | Tennessee | $61,593 | $79,180 | None | None | 17.88% | 20.82% |
| 1 | Texas | $61,593 | $79,180 | None | None | 17.88% | 20.82% |
| 1 | Wyoming | $61,593 | $79,180 | None | None | 17.88% | 20.82% |
| 8 | North Dakota | $61,411 | $78,511 | $182 | $669 | 18.12% | 21.49% |
| 9 | Alaska | $61,322 | $78,909 | None+ $271 unemployment insurance | None+ $271 unemployment insurance | 18.24% | 21.09% |
| 10 | Washington | $60,552 | $77,793 | None+ $1,040 paid family leave and long-term care | None+ $1,387 paid family leave and long-term care | 19.26% | 22.21% |
| 11 | Arizona2025 figures, no 2026 tables published yet | $60,111 | $77,074 | $1,481 | $2,106 | 19.85% | 22.93% |
| 12 | Ohio | $59,914 | $76,814 | $1,678 | $2,366 | 20.11% | 23.19% |
| 13 | Louisiana | $59,729 | $76,566 | $1,864 | $2,614 | 20.36% | 23.43% |
| 14 | Indiana | $59,410 | $76,260 | $2,183 | $2,921 | 20.79% | 23.74% |
| 15 | Iowa | $59,354 | $75,992 | $2,238 | $3,188 | 20.86% | 24.01% |
| 16 | Mississippi | $59,325 | $75,912 | $2,268 | $3,268 | 20.90% | 24.09% |
| 17 | Arkansas | $59,276 | $75,939 | $2,316 | $3,241 | 20.97% | 24.06% |
| 18 | Pennsylvania | $59,238 | $76,040 | $2,303+ $53 unemployment insurance | $3,070+ $70 unemployment insurance | 21.02% | 23.96% |
| 19 | New Mexico | $59,233 | $75,611 | $2,359 | $3,569 | 21.02% | 24.39% |
| 20 | North Carolina | $59,109 | $75,699 | $2,484 | $3,481 | 21.19% | 24.30% |
| 21 | Kentucky | $59,085 | $75,798 | $2,507 | $3,382 | 21.22% | 24.20% |
| 22 | West Virginia | $59,047 | $75,489 | $2,546 | $3,691 | 21.27% | 24.51% |
| 23 | Missouri | $59,005 | $75,417 | $2,588 | $3,763 | 21.33% | 24.58% |
| 24 | Utah | $58,971 | $75,446 | $2,621 | $3,734 | 21.37% | 24.55% |
| 25 | South Carolina | $58,935 | $74,936 | $2,657 | $4,244 | 21.42% | 25.06% |
| 26 | Nebraska | $58,884 | $75,334 | $2,709 | $3,846 | 21.49% | 24.67% |
| 27 | Vermont2025 figures, no 2026 tables published yet | $58,797 | $74,734 | $2,796 | $4,446 | 21.60% | 25.27% |
| 28 | Idaho2025 figures, no 2026 tables published yet | $58,726 | $74,988 | $2,867 | $4,192 | 21.70% | 25.01% |
| 29 | Oklahoma | $58,718 | $75,181 | $2,875 | $4,000 | 21.71% | 24.82% |
| 30 | Montana | $58,716 | $74,891 | $2,877 | $4,289 | 21.71% | 25.11% |
| 31 | Colorado | $58,671 | $75,048 | $2,592+ $330 paid family leave | $3,692+ $440 paid family leave | 21.77% | 24.95% |
| 32 | Michigan | $58,656 | $75,181 | $2,937 | $3,999 | 21.79% | 24.82% |
| 33 | Wisconsin | $58,612 | $74,715 | $2,981 | $4,465 | 21.85% | 25.28% |
| 34 | Georgia | $58,599 | $74,939 | $2,994 | $4,242 | 21.87% | 25.06% |
| 35 | New Jersey | $58,491 | $74,390 | $2,596+ $505 disability insurance, paid family leave and other state programs | $4,180+ $610 disability insurance, paid family leave and other state programs | 22.01% | 25.61% |
| 36 | Rhode Island | $58,375 | $74,683 | $2,393+ $825 disability insurance and paid family leave | $3,398+ $1,100 disability insurance and paid family leave | 22.17% | 25.32% |
| 37 | Maryland2025 figures, no 2026 tables published yet | $58,242 | $74,642 | $3,351 | $4,538 | 22.34% | 25.36% |
| 38 | District of Columbia2025 figures, no 2026 tables published yet | $58,093 | $73,555 | $3,500 | $5,625 | 22.54% | 26.45% |
| 39 | Virginia | $58,041 | $74,191 | $3,552 | $4,989 | 22.61% | 25.81% |
| 40 | Alabama | $58,033 | $74,370 | $3,560 | $4,810 | 22.62% | 25.63% |
| 41 | Illinois | $58,025 | $74,375 | $3,568 | $4,805 | 22.63% | 25.63% |
| 42 | Massachusetts | $57,818 | $74,040 | $3,430+ $345 paid family leave | $4,680+ $460 paid family leave | 22.91% | 25.96% |
| 43 | New York | $57,784 | $73,877 | $3,453+ $355 disability insurance and paid family leave | $4,860+ $443 disability insurance and paid family leave | 22.95% | 26.12% |
| 44 | Connecticut | $57,743 | $73,705 | $3,475+ $375 paid family leave | $4,975+ $500 paid family leave | 23.01% | 26.30% |
| 45 | Kansas | $57,696 | $73,889 | $3,896 | $5,291 | 23.07% | 26.11% |
| 46 | California2025 figures, no 2026 tables published yet | $57,690 | $72,672 | $2,928+ $975 disability insurance | $5,208+ $1,300 disability insurance | 23.08% | 27.33% |
| 47 | Minnesota | $57,686 | $73,463 | $3,577+ $330 paid family leave | $5,277+ $440 paid family leave | 23.09% | 26.54% |
| 48 | Delaware | $57,574 | $73,411 | $3,719+ $300 paid family leave | $5,369+ $400 paid family leave | 23.24% | 26.59% |
| 49 | Maine | $57,475 | $73,172 | $3,742+ $375 paid family leave | $5,508+ $500 paid family leave | 23.37% | 26.83% |
| 50 | Hawaii | $57,234 | $72,907 | $3,983+ $375 disability insurance | $5,883+ $390 disability insurance | 23.69% | 27.09% |
| 51 | Oregon | $55,079 | $70,304 | $5,989+ $525 paid family leave and state payroll programs | $8,176+ $700 paid family leave and state payroll programs | 26.56% | 29.70% |
The smaller line under a state tax figure is that state's employee-paid payroll premiums. 15 jurisdictions withhold at least one, covering disability insurance, long-term care, paid family leave, state payroll programs, unemployment insurance and workforce development, on top of or instead of income tax; sorting a state tax column sorts on the income tax alone. "Total tax rate" is federal income tax plus Social Security plus Medicare plus state income tax plus those premiums, as a share of gross pay.
Download the full dataset, both salaries: CSV · JSON. Free to reuse with attribution to Tools Berry (CC BY 4.0).
What the numbers actually show
Most of the tax bill never changes
Before any state gets involved, a single filer on $75,000 owes $7,670 in federal income tax and $5,738 in FICA (Social Security at 6.2% plus Medicare at 1.45%). That $13,408 is the same in every jurisdiction on this page, and on $100,000 the equivalent figure, $20,820, is again the same everywhere. Only the state layer moves, and state income tax across the 51 jurisdictions runs from nothing at all to $5,989 in Oregon. Even in Oregon, where the total bill is highest, federal tax and FICA are still 67.3% of everything withheld. Moving state cannot touch that part.
The gap gets wider as the salary goes up
On $75,000 the distance between the best state and the worst is $6,514. On $100,000 it is $8,876, 36% wider, even though the extra salary is only 33% more gross pay. The states with no wage income tax take nothing on either salary, so the whole of that widening comes from the states that do tax income moving up their own brackets. Oregon takes $5,989 on $75,000 and $8,176 on $100,000. The practical reading: the higher your salary, the more the state on your pay stub is worth arguing about.
The top of the table is a tie, not a race
Seven jurisdictions land on exactly $61,593: Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas and Wyoming. They are identical because they do the same thing, which is nothing: no state income tax on wages and no employee-side payroll premium either. The same seven tie again on $100,000, at $79,180 each. There is no ranking to be had between them on take-home pay. Where they differ is sales tax, property tax and housing, none of which touch a pay stub.
North Dakota is the surprise
North Dakota does levy an income tax, but on $75,000 it collects only $182. That tax is the single thing separating it from the states above, so it finishes at $61,411, exactly $182 behind them. On this salary it behaves like a no-income-tax state. Raise the salary to $100,000 and its bill goes to $669, which is the point: "has an income tax" and "takes a meaningful bite" are different questions, and the answer to the second one depends on the salary you ask it about.
No income tax does not always mean no state deduction
Alaska has no state income tax and still does not tie for first. It withholds $271 a year in employee-paid state premiums, which lands it at $61,322, rank 9 of 51. On $100,000 it is the same $271, because the premium is capped and the extra salary is above the cap. It is the clearest case in the table of a state deduction that is not an income tax, and it is why "no income tax" predicts take-home pay less well than people assume.
The bottom of the table, and how flat the middle is
Oregon keeps the least, $55,079, on a $75,000 salary. That is $2,156 below Hawaii, the next-lowest, so the bottom of this table is one genuine outlier rather than a gradual slope. The middle is much flatter than the headline spread suggests: between the rank-16 state (Mississippi) and the rank-41 state (Illinois) the entire difference is $1,300 a year, under $108 a month. For most of the country, and on this salary, the state you pick moves your take-home pay by a smaller amount than most people expect.
The ranking is not the same at both salaries
A state's position depends on the salary you compare at, because a flat rate and a graduated one pull apart as income rises. Between $75,000 and $100,000, the biggest moves in the ranking are District of Columbia (38 to 45), South Carolina (25 to 31) and Vermont (27 to 33) falling, and Michigan (32 to 26) climbing. That is the reason both salaries sit in the same table above rather than on two pages: the answer to "which state is better" changes with the number you put in.
A high state rate is not the same as a high state bill
California has the highest top marginal income-tax rate in the country at 12.3%, but that rate applies to income far above $75,000. At this salary California takes $2,928 of income tax, less than 17 states whose top rate is lower than its own, and it finishes rank 46 of 51 largely because it adds $975 of employee-paid state premiums on top. A marginal rate describes your last dollar; this table describes all of them.
A bigger paycheck is not the same as being better off
This study measures one thing: what a payroll model leaves after federal income tax, FICA, state income tax and state payroll premiums, for a single filer with no other deductions. It says nothing about what those dollars buy. Cost of living is not modelled here at all.
States with no income tax still have to raise revenue somewhere, and they generally do it through sales and property taxes instead. Here are the states at the top and the bottom of the take-home ranking, next to the two taxes a paycheck calculator structurally cannot see:
| State | Take-homeon $75,000 | Take-homeon $100,000 | Avg. combined sales tax | Effective property tax | Median household income |
|---|---|---|---|---|---|
| Florida | $61,593 | $79,180 | 7.02% | 0.78% | $77,735 |
| Nevada | $61,593 | $79,180 | 8.24% | 0.5% | $81,134 |
| New Hampshire | $61,593 | $79,180 | 0% | 1.5% | $99,782 |
| South Dakota | $61,593 | $79,180 | 6.11% | 1% | $76,881 |
| Tennessee | $61,593 | $79,180 | 9.61% | 0.52% | $71,997 |
| Texas | $61,593 | $79,180 | 8.2% | 1.47% | $79,721 |
| Wyoming | $61,593 | $79,180 | 5.36% | 0.53% | $75,532 |
| Maine | $57,475 | $73,172 | 5.5% | 0.98% | $74,733 |
| Hawaii | $57,234 | $72,907 | 4.5% | 0.29% | $100,700 |
| Oregon | $55,079 | $70,304 | 0% | 0.81% | $85,220 |
Sales tax is the average combined state and local rate; property tax is the effective rate on owner-occupied housing; median household income is the latest American Community Survey figure via FRED. Sources are linked in full on each state's own page.
Tennessee ties for the most take-home pay and also charges an average 9.61% combined sales tax, while Oregon, last on take-home pay, charges 0%. Neither figure is in the take-home columns, and both are real money. Treat the take-home figures on this page as the payroll half of the question and nothing more.
How we computed this
Every figure on this page is computed at build time by the same open calculation engine that powers the 51 state paycheck calculators on this site. Nothing here is typed in by hand and nothing is copied from another site's table.
To be plain about how the figures stay current, because it is easy to overclaim: this page does not fetch tax data from anywhere. A person updates the tax data file in this repository when a state publishes new brackets, and the next build recomputes all 51 rows, both salaries, the summary figures, the analysis and the FAQ from it. The date under the headline is when that last happened.
- The inputs, held constant
- Two gross salary levels, $75,000 and $100,000, single filing status, no dependents, paid as one annual amount, no pre-tax deductions, 2026 tax rules. Within a salary level, only the state changes between rows.
- Federal income tax
- 2026 federal brackets applied to gross pay less the $16,100 single standard deduction, per IRS Rev. Proc. 2025-32. No credits, no itemizing, no W-4 adjustments.
- FICA
- Social Security at 6.2% on wages up to the 2026 wage base of $184,500, and Medicare at 1.45% with no cap, per the SSA 2026 COLA fact sheet. Both salary levels here are below the $200,000 Additional Medicare threshold for a single filer, so that 0.9% surtax does not apply on this page.
- State income tax
- Each state's own 2026 rate structure, flat or graduated, applied after that state's own standard deduction where it offers one. 9 states levy no wage income tax at all: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming.
- State payroll deductions
- Employee-paid state premiums in the 15 jurisdictions that have them, covering disability insurance, long-term care, paid family leave, state payroll programs, unemployment insurance and workforce development, with each program's own rate, wage base and annual cap: Alaska, California, Colorado, Connecticut, Delaware, Hawaii, Maine, Massachusetts, Minnesota, New Jersey, New York, Oregon, Pennsylvania, Rhode Island and Washington. The model withholds them after tax on gross wages, so they reduce take-home pay without reducing taxable income.
- Rounding and ties
- Dollar figures are rounded to the nearest dollar for display; ranks are computed on the unrounded values, and tied states share a rank.
What this does not include
A clean comparison needs identical inputs, which means leaving real things out. The figures above will not match your pay stub, and here is exactly why:
- Local income taxes. 14 states allow city, county or school-district income taxes that are not modelled here: Alabama, Delaware, Indiana, Iowa, Kentucky, Maryland, Michigan, Missouri, New Jersey, New York, Ohio, Oregon, Pennsylvania and West Virginia. Where one applies, actual take-home pay is lower than the figure this table shows for that state.
- Pre-tax deductions. No 401(k), no HSA or FSA, no health premiums. Those reduce taxable income, so a real paycheck in a high-tax state closes some of the gap shown here.
- Credits, itemizing and other filing statuses. Single filers taking the standard deduction only. Married filing jointly, head of household, dependents and state-specific credits all change the answer, sometimes substantially.
- Non-wage income and employer-side taxes. Investment income, self-employment income and the employer's half of FICA are all out of scope.
- Cost of living. As set out above, not modelled at all.
Prior-year figures. Arizona (2025), Vermont (2025), Idaho (2025), Maryland (2025), District of Columbia (2025) and California (2025) have not published 2026 brackets yet, so those rows use the most recent official figures. We update our tax data file when the 2026 tables are released, and the next build recomputes those rows from it.
This is a computed estimate for comparison, not tax advice, and not a substitute for your employer's withholding or a tax professional.
Frequently asked questions
Which state has the highest take-home pay on a $75,000 salary?
Seven jurisdictions tie at $61,593 a year: Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas and Wyoming. Each has no state income tax on wages and no state payroll premium, so a single filer keeps the same amount in all of them.
Which state has the lowest take-home pay on $75,000?
Oregon, at $55,079 a year, which is $6,514 less than the top of the table on identical gross pay.
What changes if the salary is $100,000 instead?
The best states pay $79,180 and Oregon pays $70,304, so the gap between them widens from $6,514 to $8,876. The order of the table also shifts, because a flat state rate and a graduated one diverge as income rises. Both salaries are in the same table above, one row per state.
Is a no-income-tax state always the better financial move?
No. This page measures payroll only. States without an income tax generally raise revenue through sales and property taxes instead, and neither of those is in a paycheck calculation. Cost of living is not modelled here at all.
Why do two states with no income tax show different take-home pay?
Because an income tax is not the only thing a state can withhold. Alaska has no income tax but collects $271 a year in employee-paid state premiums on a $75,000 salary, which is why it does not tie with the other no-income-tax states.
Are city and local income taxes included?
No. 14 states permit local income taxes, and they are excluded so that every row compares like with like. If you work in a city that levies one, your actual take-home pay will be lower than the figure shown for your state.
Why is the gap between states smaller than I expected?
Because most of the bill is federal. On $75,000 a single filer pays $13,408 in federal income tax and FICA no matter where they live, and on $100,000 it is $20,820. State tax is the only variable, and it is worth at most $6,514 a year at the lower salary and $8,876 at the higher one.
Will these figures match my own paycheck?
Almost certainly not, and they are not meant to. Every row uses the same assumptions so the states can be compared: one salary, single filer, standard deduction, no 401(k), no health insurance, no dependents, no local income tax. Treat this as a model of the state-by-state difference, not as your net pay. Open your own state's calculator and enter your real numbers for a figure that is about you.
How often is this page updated?
Whenever the tax data behind it is. Nothing on this site fetches tax figures automatically: we edit the 2026 tax data file when a state publishes new brackets, and the next build recomputes every figure, table, summary and answer on this page from that file. The date under the headline is when that last happened.
Cite this data
Free to use and republish with attribution. Suggested citation:
Tools Berry, "Take-Home Pay on $75,000 and $100,000 in All 51 States, Compared (2026)", tools-berry.com/data/take-home-pay-by-state/ (updated July 29, 2026).
Download this study: CSV · JSON. The full salary ladder, all 51 jurisdictions at 9 salary levels from $30,000 to $200,000: per-rung CSV · one-row-per-state CSV.
Source: Tools Berry, tools-berry.com — 2026 take-home pay computed from IRS and state DOR withholding tables.
Licensed CC BY 4.0. Journalists and researchers: we are happy to run the same comparison at a different salary or filing status, or to supply the per-state sources. Contact us.
Sources
- IRS: 2026 inflation-adjusted tax brackets (Rev. Proc. 2025-32)
- Tax Foundation: 2026 federal tax brackets
- Social Security Administration: Contribution and Benefit Base (Social Security wage base)
- IRS: Topic no. 751, Additional Medicare Tax
State income tax brackets, standard deductions and payroll-premium rates come from each state's Department of Revenue or equivalent agency, and the full source list for a given state is published on that state's own calculator page. Federal figures were last verified 2026-08-02.
Press and reuse: this dataset is free to cite with attribution. Found an error? See our corrections log or contact us.