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All 50 states + DC · 2026 tax year

Paycheck Calculator by State: 2026 Tax Rates and Take-Home Pay

Use this paycheck calculator by state to see your 2026 take-home pay. Choose your state below to open a free calculator built on that state’s own withholding rules. Each one shows your pay after federal, state, and local taxes, so you know exactly what lands in your bank account.

Below the state list, you’ll find every state’s 2026 income tax rate in one table. You’ll also see which states don’t tax wages, which use a flat tax, and which add city taxes or payroll premiums.

  • Each state’s official 2026 withholding formula
  • Federal tax per IRS Publication 15-T
  • Rates checked against state tax agencies
  • Free, no sign-up, nothing stored

Choose Your State Paycheck Calculator

Quick answer

A state paycheck calculator turns your gross pay into take-home pay using your state’s own tax rules. It applies federal income tax, Social Security, Medicare, state income tax, local taxes, and state payroll premiums. Pick your state below, enter your pay, and you’ll see your net pay per paycheck and per year.

  • AlabamaComing soon
  • AlaskaNo income taxComing soon
  • ArizonaComing soon
  • ArkansasComing soon
  • CaliforniaComing soon
  • ColoradoComing soon
  • ConnecticutComing soon
  • DelawareComing soon
  • District of ColumbiaComing soon
  • FloridaNo income taxComing soon
  • GeorgiaComing soon
  • HawaiiComing soon
  • IdahoComing soon
  • IllinoisComing soon
  • IndianaComing soon
  • IowaComing soon
  • KansasComing soon
  • KentuckyComing soon
  • LouisianaComing soon
  • MaineComing soon
  • MarylandComing soon
  • MassachusettsComing soon
  • MichiganComing soon
  • MinnesotaComing soon
  • MississippiComing soon
  • MissouriComing soon
  • MontanaComing soon
  • NebraskaComing soon
  • NevadaNo income taxComing soon
  • New HampshireNo income taxComing soon
  • New JerseyComing soon
  • New MexicoComing soon
  • New YorkComing soon
  • North CarolinaComing soon
  • North DakotaComing soon
  • OhioComing soon
  • OklahomaComing soon
  • OregonComing soon
  • PennsylvaniaComing soon
  • Rhode IslandComing soon
  • South CarolinaComing soon
  • South DakotaNo income taxComing soon
  • TennesseeNo income taxComing soon
  • TexasNo income taxComing soon
  • UtahComing soon
  • VermontComing soon
  • VirginiaComing soon
  • WashingtonNo income taxComing soon
  • West VirginiaComing soon
  • WisconsinComing soon
  • WyomingNo income taxComing soon

Every state page uses the same trusted engine, yet each one knows its own state’s details. For example, each calculator:

  • Opens on the right state, with its 2026 withholding formula already loaded.
  • Asks for the questions on that state’s own withholding form, such as allowances or exemptions.
  • Adds local taxes where they apply, like New York City, Maryland counties, or Ohio cities.
  • Includes state payroll premiums, such as California SDI or Washington’s paid leave premium.
  • Lets you download a PDF pay stub, compare states, or share your results.

Why Your State Changes Your Paycheck

Quick answer

Your state decides three things on your paycheck: whether it taxes wages, how much it withholds, and which local taxes or payroll premiums apply. As a result, the same $60,000 salary can leave you with $50,390 in Texas but $45,996 in Oregon in 2026. That’s a gap of $4,394 a year.

9

States that don’t tax wages

AK, FL, NV, NH, SD, TN, TX, WA, WY

15

States with a flat income tax

from 2.5% to 5.3%

27

Graduated systems

26 states plus DC

13.3%

Highest top rate

California, on income over $1 million

Federal taxes work the same way everywhere. Federal income tax, Social Security (6.2%), and Medicare (1.45%) follow one set of IRS rules in all 50 states. By contrast, state taxes vary a lot from one state line to the next.

Four state-level factors change what you take home:

  • State income tax. Some states charge nothing on wages, others use one flat rate, and the rest use brackets that rise with income.
  • State withholding rules. Each state has its own formula, deductions, and allowances. So, two states with similar rates can still withhold different amounts.
  • Local income taxes. Cities, counties, and school districts in about a dozen states add their own tax on wages.
  • State payroll programs. Sixteen states take small deductions for disability insurance, paid leave, unemployment, or long-term care.

That’s why a paycheck calculator by state gives you a truer number than any national average.

2026 State Income Tax Rates for All 50 States

Quick answer

In 2026, state income tax rates on wages range from 0% in nine states to a top rate of 13.3% in California. Fifteen states use a single flat rate, while 26 states and DC use graduated brackets. The table below lists every state’s 2026 rates, local wage taxes, and employee payroll premiums.

State income tax rates by state, 2026 (wages)
51 rows
AlabamaGraduated2%–5%Some cities and countiesNone
AlaskaNo income taxNoneNoneUnemployment 0.5% (first $54,200)
ArizonaFlat2.5%NoneNone
ArkansasGraduated2%–3.7%NoneNone
CaliforniaGraduated1%–13.3%NoneSDI 1.3%
ColoradoFlat4.4%Monthly fee in a few cities (Denver $5.75)FAMLI paid leave 0.44%
ConnecticutGraduated2%–6.99%NonePaid Leave 0.5%
DelawareGraduated2.2%–6.6%Wilmington 1.25%Paid leave up to 0.4%
District of ColumbiaGraduated4%–10.75%NoneNone
FloridaNo income taxNoneNoneNone
GeorgiaFlat4.99%NoneNone
HawaiiGraduated1.4%–11%NoneTDI up to 0.5%
IdahoFlat5.3%NoneNone
IllinoisFlat4.95%NoneNone
IndianaFlat2.95%All 92 countiesNone
IowaFlat3.8%School district surtax (paid with your return)None
KansasGraduated5.2%–5.58%NoneNone
KentuckyFlat3.5%Most cities and countiesNone
LouisianaFlat3%NoneNone
MaineGraduated5.8%–7.15% (plus 2% over $1 million)NonePaid leave up to 0.5%
MarylandGraduated2%–6.5%Every county and Baltimore CityNone
MassachusettsGraduated5% (9% over $1,107,750)NonePFML 0.46%
MichiganFlat4.25%24 cities (Detroit 2.4%)None
MinnesotaGraduated5.35%–9.85%NonePaid Leave up to 0.44%
MississippiFlat4% (above $10,000)NoneNone
MissouriGraduated2%–4.7%Kansas City and St. Louis 1%None
MontanaGraduated4.7%–5.65%NoneNone
NebraskaGraduated2.46%–4.55%NoneNone
NevadaNo income taxNoneNoneNone
New HampshireNo income taxNoneNoneNone
New JerseyGraduated1.4%–10.75%NoneUI/WF 0.425%, TDI 0.19%, FLI 0.23%
New MexicoGraduated1.5%–5.9%NoneNone
New YorkGraduated3.9%–10.9%New York City and YonkersPFL 0.432%, SDI up to $0.60 a week
North CarolinaFlat3.99%NoneNone
North DakotaGraduated1.95%–2.5%NoneNone
OhioFlat2.75%Most cities, some school districtsNone
OklahomaGraduated2.5%–4.5%NoneNone
OregonGraduated4.75%–9.9%Portland-area taxes on higher incomesPaid Leave 0.6%, transit tax 0.1%
PennsylvaniaFlat3.07%Nearly every municipalityUnemployment 0.07%
Rhode IslandGraduated3.75%–5.99%NoneTDI 1.1% (first $100,000)
South CarolinaGraduated1.99%–5.21%NoneNone
South DakotaNo income taxNoneNoneNone
TennesseeNo income taxNoneNoneNone
TexasNo income taxNoneNoneNone
UtahFlat4.45%NoneNone
VermontGraduated3.35%–8.75%NoneChild care 0.11%
VirginiaGraduated2%–5.75%NoneNone
WashingtonNo income taxNone on wagesNonePaid leave 0.81%, WA Cares 0.58%
West VirginiaGraduated2.11%–4.58%NoneNone
WisconsinGraduated3.5%–7.65%NoneNone
WyomingNo income taxNoneNoneNone

Note: Statutory rates for wages in tax year 2026, including laws passed during 2026. Many states also have a 0% bracket or a standard deduction before the first rate applies. Withholding tables can differ slightly from these rates. Washington taxes some capital gains, not wages.

These are statutory rates, which your state uses to figure your final tax on your return. Your paycheck, however, is based on withholding tables, which estimate that tax over the year. For instance, New Jersey’s withholding tables reach 11.8%, and Ohio’s run from 1.6% to 3.4% for wages paid from August 1, 2026. Our paycheck calculator for each state uses the withholding tables, so your estimate matches your real paycheck.

States With No Income Tax on Wages

Quick answer

Nine states don’t tax wages in 2026: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Workers there still pay federal income tax, Social Security, and Medicare. However, Washington withholds paid leave and long-term care premiums, and Alaska withholds 0.5% for unemployment insurance.

Does a no-tax state always mean a bigger paycheck?

Not always. States without an income tax still need revenue, so many of them lean more on sales, property, or business taxes. Your total tax bill, therefore, depends on what you buy, whether you own a home, and where you live. For a full picture, compare your take-home pay with your local housing costs and sales tax.

Our states with no income tax guide covers each state in more detail.

Flat Tax States in 2026

Quick answer

Fifteen states use a flat income tax in 2026, which means one rate applies to all taxable wages. Arizona has the lowest flat rate at 2.5%, and Idaho has the highest at 5.3%. Several flat-tax states, including Georgia, Indiana, Kentucky, North Carolina, and Utah, cut their rates again for 2026.

Flat income tax states and 2026 rates
15 rows
Arizona2.5%You choose 0.5% to 3.5% withholding on Form A-4
Colorado4.4%FAMLI paid leave premium of 0.44%
Georgia4.99%Cut from 5.19%, retroactive to January 1
Idaho5.3%No withholding on the first $16,100 (single)
Illinois4.95%No local income taxes
Indiana2.95%Plus a county tax in all 92 counties
Iowa3.8%School district surtax is paid with your return
Kentucky3.5%Plus city and county occupational taxes
Louisiana3%Withholding uses 3.09%
Michigan4.25%Plus city tax in 24 cities
Mississippi4%0% on the first $10,000 of taxable income
North Carolina3.99%Withholding uses 4.09%
Ohio2.75%Withholding tables are graduated; most cities add a tax
Pennsylvania3.07%401(k) contributions are taxable for state tax
Utah4.45%Cut from 4.5% for 2026

A flat tax makes paychecks easier to predict, since a raise is taxed at the same state rate as the rest of your pay. Still, local taxes can push the total well above the state rate. A Detroit resident, for example, pays Michigan’s 4.25% plus Detroit’s 2.4% city tax.

States With Graduated Income Tax Brackets

Quick answer

Twenty-six states and DC use graduated brackets, so the rate rises as income rises. In 2026, the highest top rates are California (13.3%), Hawaii (11%), New York (10.9%), New Jersey and DC (10.75%), Oregon (9.9%), and Minnesota (9.85%). North Dakota has the lowest top rate at 2.5%.

Graduated state taxes work just like the federal system. Only the part of your income inside each bracket is taxed at that bracket’s rate. So, a raise never lowers your take-home pay, even if part of it falls into a higher bracket.

Highest top state income tax rates, 2026
California13.3%Income over $1 million (includes the 1% mental health tax)
Hawaii11%High incomes
New York10.9%Income over $25 million
New Jersey10.75%Income over $1 million
District of Columbia10.75%Income over $1 million
Oregon9.9%Income over $125,000 (single)
Minnesota9.85%High incomes
Maine9.15%Income over $1 million (7.15% plus the 2% surtax)
Massachusetts9%Income over $1,107,750

Note: Bracket start points adjust for inflation in many states. Each state paycheck calculator lists that state’s exact 2026 brackets.

Local Taxes on Your Paycheck, State by State

Quick answer

Cities, counties, or school districts in about a dozen states tax wages, too. The biggest examples are New York City, Philadelphia, Detroit, every Maryland county, all 92 Indiana counties, and most Ohio and Pennsylvania towns. Your employer usually withholds local tax based on where you live, where you work, or both.

States with local taxes on wages (2026)
StateWho charges itExample
AlabamaSome cities and countiesBirmingham occupational tax 1%
ColoradoA few cities, as a flat monthly feeDenver $5.75 a month
DelawareWilmington1.25% earned income tax
IndianaAll 92 countiesRate set by each county
KentuckyMost cities and countiesOccupational license taxes
MarylandEvery county and Baltimore City2.25% to 3.3%
Michigan24 citiesDetroit 2.4% for residents
MissouriKansas City and St. Louis1% earnings tax
New YorkNew York City and YonkersNYC tax for residents
OhioMost cities and some school districtsColumbus 2.5%
OregonPortland-area governmentsMetro and Multnomah County taxes on higher incomes
PennsylvaniaNearly every municipality and school districtPhiladelphia wage tax

Note: Iowa’s school district surtax is figured on your state return, not withheld from most paychecks.

Local rules can be tricky. In Ohio and Pennsylvania, for example, you may owe tax to both the city where you work and the one where you live, with a credit for part of it. That’s why each state paycheck calculator lets you pick your city or county.

State Paycheck Deductions: SDI, Paid Leave and More

Quick answer

Sixteen states take small payroll deductions on top of income tax in 2026. These fund disability insurance, paid family and medical leave, unemployment insurance, child care, or long-term care. California SDI is the largest at 1.3% of all wages, followed by Washington at about 1.39% and Rhode Island at 1.1%.

These deductions show up on your pay stub with short labels, such as SDI, TDI, PFL, FLI, or FAMLI. They’re usually a small share of your pay, but they add up. For example, California SDI takes $780 a year from a $60,000 salary.

  • Disability insurance: California (SDI 1.3%), Hawaii (TDI up to 0.5%), New Jersey (TDI 0.19%), New York (SDI up to $0.60 a week), and Rhode Island (TDI 1.1%).
  • Paid family and medical leave: Colorado, Connecticut, Delaware, Maine, Massachusetts, Minnesota, New Jersey, New York, Oregon, and Washington.
  • Unemployment insurance: Alaska, New Jersey, and Pennsylvania charge employees a small share.
  • Other programs: Oregon’s 0.1% statewide transit tax, Vermont’s child care contribution, and Washington’s WA Cares long-term care premium.

Take-Home Paycheck by State on a $60,000 Salary

Quick answer

On a $60,000 salary in 2026, a single filer keeps $50,390 a year in Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, and Wyoming. North Dakota comes close at $50,338. At the other end, the same worker keeps $47,057 in Hawaii and $45,996 in Oregon, before any local tax.

Paycheck calculator by state: take-home pay on a $60,000 salary in 2026, from $50,390 in Texas and Florida to $45,996 in Oregon
Take-home pay on a $60,000 salary in 2026: single filer, paid every two weeks, standard W-4, no local tax.

The table below uses the same engine as each state paycheck calculator. It ranks all 50 states and DC with identical pay and settings, and you can tap a column heading to sort it.

Take-home pay on $60,000 in every state, 2026
#StateState + local payroll taxesTake-home a yearPer paycheck (biweekly)
1Florida$0$50,390$1,938.08
2Nevada$0$50,390$1,938.08
3New Hampshire$0$50,390$1,938.08
4South Dakota$0$50,390$1,938.08
5Tennessee$0$50,390$1,938.08
6Texas$0$50,390$1,938.08
7Wyoming$0$50,390$1,938.08
8North Dakota$52$50,338$1,936.08
9Alaska$271$50,119$1,927.65
10Washington$832$49,558$1,906.06
11Arizona$1,200$49,190$1,891.92
12Ohio$1,412$48,978$1,883.75
13Louisiana$1,456$48,934$1,882.07
14Mississippi$1,664$48,726$1,874.08
15Arkansas$1,733$48,657$1,871.42
16Indiana$1,741$48,650$1,871.13
17Iowa$1,746$48,644$1,870.92
18Vermont$1,764$48,626$1,870.25
19Missouri$1,872$48,518$1,866.08
20Pennsylvania$1,884$48,506$1,865.62
21North Carolina$1,924$48,466$1,864.08
22Kentucky$1,982$48,408$1,861.83
23New Mexico$2,033$48,357$1,859.90
24West Virginia$2,054$48,336$1,859.08
25Montana$2,063$48,327$1,858.72
26Nebraska$2,124$48,266$1,856.37
27Oklahoma$2,158$48,232$1,855.08
28Georgia$2,246$48,145$1,851.71
29South Carolina$2,284$48,106$1,850.23
30Michigan$2,299$48,091$1,849.64
31Idaho$2,314$48,076$1,849.08
32New Jersey$2,396$47,994$1,845.91
33Alabama$2,509$47,881$1,841.58
34Maryland$2,537$47,854$1,840.52
35Kansas$2,548$47,842$1,840.07
36California$2,583$47,807$1,838.71
37Connecticut$2,618$47,773$1,837.40
38Virginia$2,636$47,754$1,836.70
39Colorado$2,662$47,728$1,835.69
40Utah$2,670$47,720$1,835.38
41Wisconsin$2,765$47,625$1,831.75
42Illinois$2,825$47,565$1,829.42
43Rhode Island$2,873$47,518$1,827.60
44Maine$2,874$47,516$1,827.54
45Delaware$2,893$47,497$1,826.80
46Massachusetts$2,956$47,434$1,824.38
47New York$2,966$47,424$1,823.99
48Minnesota$3,181$47,209$1,815.73
49District of Columbia$3,230$47,160$1,813.84
50Hawaii$3,333$47,057$1,809.87
51Oregon$4,394$45,996$1,769.09

Note: Single filer, paid every two weeks, no pre-tax deductions, and no local tax. For your own pay, open any state calculator and use its “Compare states” tab.

State Paycheck Withholding Forms in the 10 Largest States

Quick answer

Most states with an income tax have their own withholding form, which works like a state version of the federal Form W-4. You give it to your employer when you start a job. If you don’t, your employer may withhold at a default rate, which can be much higher than you need.

State withholding certificates in the 10 most populous states
StateState withholding formGood to know
CaliforniaForm DE 4Uses allowances, not the federal W-4 steps
TexasNoneNo state income tax
FloridaNoneNo state income tax
New YorkForm IT-2104Also covers New York City and Yonkers tax
PennsylvaniaNoneFlat 3.07% with no allowances
IllinoisForm IL-W-4Allowances lower your withholding
OhioForm IT 4Exemptions lower your withholding
GeorgiaForm G-4Filing status and dependents
North CarolinaForm NC-4Allowances based on a worksheet
MichiganForm MI-W4Personal and dependent exemptions

Connecticut shows why this form matters. If you never file Form CT-W4, your employer must withhold 6.99% of your wages, the state’s top rate. Each state paycheck calculator names the right form and asks the same questions it does.

How to Use a Paycheck Calculator by State

  1. Pick the state where you work.

    Use the search box or the state list at the top of this page to open your state paycheck calculator. If you live in one state and work in another, see the next section.

  2. Enter your pay.

    Type your yearly salary, or switch to hourly and enter your wage, hours, and any overtime.

  3. Choose how often you’re paid.

    Weekly, every two weeks, twice a month, or monthly. This changes each paycheck, not your yearly total.

  4. Match your federal and state forms.

    Add your W-4 filing status and dependents, then your state form’s allowances or exemptions.

  5. Add local tax and deductions.

    Select your city or county, then add 401(k), health insurance, HSA, or FSA amounts.

  6. Read your results.

    See take-home pay per paycheck, per month, and per year, with every tax listed line by line.

Your Paycheck When You Live and Work in Different States

Quick answer

In general, the state where you work taxes your wages, and your home state may tax them too. When both do, your home state usually gives you a credit, so you aren’t taxed twice on the same pay. Some neighboring states also have reciprocal agreements, so you only pay tax to your home state.

Reciprocal agreements are common in the Midwest and the Mid-Atlantic. For example, Illinois has agreements with Iowa, Kentucky, Michigan, and Wisconsin. To use one, you usually file a short form with your employer, so it withholds for your home state instead.

Remote work adds another twist. A few states, including New York, may tax remote employees of an in-state employer in some cases. If you work across state lines, check with your payroll team or a tax professional, then run both states in the paycheck calculator.

Moving during the year?

If you move to a new state, update your state withholding form with your employer right away. Most states tax you as a part-year resident, based on the income you earned while you lived there.

How We Keep State Tax Rates Accurate

We build each state paycheck calculator from that state’s official withholding formula, tables, and employer guide for 2026. Then we test that paycheck calculator against the worked examples many state tax agencies publish. When a state changes its law mid-year, as Georgia, Utah, Ohio, West Virginia, and others did in 2026, we update the data and note the change.

Official sources

Every rate comes from a state tax agency, the IRS, or the SSA.

Tested formulas

We check results against state-published examples.

Updated in 2026

Mid-year law changes are added as they take effect.

Read the full method on our how we calculate page, and see every source on our tax data sources page.

Estimates, not tax advice

Our state paycheck calculators estimate what your employer withholds. Your final tax can differ once you file your return, and local rules can change. For advice about your own situation, talk to a CPA or another tax professional.

Paycheck Calculator by State FAQs

Which state has the highest income tax in 2026?

California has the highest top rate at 13.3%, which applies to income over $1 million and includes a 1% mental health services tax. Next come Hawaii (11%), New York (10.9%), and New Jersey and DC (10.75%). Most workers pay far less than these top rates.

Which states have no income tax on paychecks?

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming don’t tax wages. You still pay federal income tax, Social Security, and Medicare. Washington and Alaska also withhold small payroll premiums.

Which states have a flat income tax?

In 2026, 15 states use a flat rate: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Michigan, Mississippi, North Carolina, Ohio, Pennsylvania, and Utah. Rates range from 2.5% in Arizona to 5.3% in Idaho.

Do I pay state tax where I live or where I work?

Usually the state where you work taxes your wages. Your home state may tax them too, but it typically gives you a credit for the other state’s tax. Reciprocal agreements between some neighboring states let you pay only your home state.

Why does my state withholding differ from my state’s tax rate?

Paychecks use withholding tables, which estimate your yearly tax after deductions and allowances. Your final tax uses the statutory rates on your return. So, the two rarely match exactly, and the difference shows up as a refund or a balance due.

How accurate is a paycheck calculator by state?

Each state paycheck calculator here uses that state’s official 2026 withholding formula and IRS Publication 15-T, so results usually land within a few cents of a real paycheck. Differences come from rounding, benefits, or local rules your employer applies.

Which state lets you keep the most of your paycheck?

On a $60,000 salary, the seven no-tax states without payroll premiums tie at $50,390 a year for a single filer. North Dakota is the best state with an income tax, at $50,338. Oregon is lowest at $45,996.

Do cities charge income tax on wages?

Yes, in about a dozen states. New York City, Philadelphia, Detroit, every Maryland county, all Indiana counties, and most Ohio and Pennsylvania towns tax wages. Choose your city or county in the state calculator to include it.

The Bottom Line

Your state has a big say in your take-home pay. In 2026, rates run from 0% to 13.3%, and local taxes and payroll premiums can add even more. A paycheck calculator by state brings all of those rules together, so you see your real net pay instead of a national average.

Sources

  1. State Individual Income Tax Rates and Brackets, 2026Tax Foundation
  2. IRS Publication 15-T (2026), Federal Income Tax Withholding MethodsInternal Revenue Service Official
  3. Contribution and benefit baseSocial Security Administration Official
  4. Contribution rates and withholding schedules (SDI)California Employment Development Department Official
  5. Withholding tax publicationsNew York State Department of Taxation and Finance Official
  6. Paid Family and Medical Leave premiumsWashington Employment Security Department Official
  7. Each state’s withholding tables and formulasFiftyStatePay tax data sources

Note: This page is general information, not tax, legal, or financial advice.

Find your state's 2026 take-home pay

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