MyPayCal Research · v2026.2
Take-Home Pay by State: The 2026 Index
The same $100,000 salary leaves $7,848 more a year in Texas and the 6 other states tied with it than in Oregon. We computed take-home pay for all 50 states under the 2026 tax system and published the full dataset.
Correction — edition 2026.2. Edition 2026.1 (2026-07-26) applied one rate per state to income above the federal standard deduction. This edition uses each state's own 2026 schedule, the local tax most of its residents pay and the employee state payroll programs, so figures, ranks and the gap all change. What changed · 2026.1 CSV (archived)
Key findings
$7,848
a year on a $100,000 salary — $654 a month, 7.8% of the salary.
7
states at $79,180 net, with no income tax and no payroll program: Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Wyoming.
$113,318
is what you must earn in Oregon to match $100,000 in Texas — $13,318 more just to break even.
$75,063
is the median state's take-home; the average across the 41 states that do tax wages is $74,834.
Below all 50
is where New York City would rank among the 50 states: its 3.078%–3.876% local tax takes another $3,441 a year.
$13,855
is the spread at $150,000, against $3,554 at $50,000.
The salary you need to match $100,000 in Texas
Texas has no state income tax, so $100,000 there nets $79,180. These are the gross salaries you'd need in the priciest states to end up with exactly the same amount.
| State | Equivalent salary | Raise needed | % |
|---|---|---|---|
| Oregon | $113,318 | +$13,318 | 13.3% |
| Maryland | $112,047 | +$12,047 | 12.0% |
| California | $110,395 | +$10,395 | 10.4% |
| Hawaii | $109,859 | +$9,859 | 9.9% |
| Minnesota | $109,058 | +$9,058 | 9.1% |
Computed by inverting the tax engine (binary search to the cent), not by scaling a rate.
All 50 states on $100,000
The greener the state, the more of the same $100,000 salary it leaves you. Tap a state to open its calculator.
All 50 states, ranked
Annual take-home on a $100,000 gross salary — single filer, no dependents, tax year 2026.
| # | State | Take-home / yr | State tax | Effective rate | Equivalent salary |
|---|---|---|---|---|---|
| 1 | Floridano tax | $79,180 | — | 20.8% | $100,000 |
| 1 | Nevadano tax | $79,180 | — | 20.8% | $100,000 |
| 1 | New Hampshireno tax | $79,180 | — | 20.8% | $100,000 |
| 1 | South Dakotano tax | $79,180 | — | 20.8% | $100,000 |
| 1 | Tennesseeno tax | $79,180 | — | 20.8% | $100,000 |
| 1 | Texasno tax | $79,180 | — | 20.8% | $100,000 |
| 1 | Wyomingno tax | $79,180 | — | 20.8% | $100,000 |
| 8 | Alaskano tax | $78,909 | — | 21.1% | $100,385 |
| 9 | North Dakota | $78,511 | $669 | 21.5% | $100,979 |
| 10 | Washingtonno tax | $77,793 | — | 22.2% | $102,011 |
| 11 | Arizona | $77,083 | $2,098 | 22.9% | $103,091 |
| 12 | Ohio | $76,867 | $2,313 | 23.1% | $103,422 |
| 13 | Louisiana | $76,566 | $2,614 | 23.4% | $103,881 |
| 14 | Iowa | $76,032 | $3,148 | 24.0% | $104,731 |
| 15 | Mississippi | $75,912 | $3,268 | 24.1% | $104,925 |
| 16 | Kentucky | $75,798 | $3,382 | 24.2% | $105,060 |
| 17 | North Carolina | $75,699 | $3,481 | 24.3% | $105,246 |
| 18 | Arkansas | $75,690 | $3,490 | 24.3% | $105,251 |
| 19 | New Mexico | $75,611 | $3,569 | 24.4% | $105,453 |
| 20 | Missouri | $75,510 | $3,670 | 24.5% | $105,680 |
| 21 | Nebraska | $75,510 | $3,670 | 24.5% | $105,578 |
| 22 | West Virginia | $75,489 | $3,691 | 24.5% | $105,612 |
| 23 | Oklahoma | $75,226 | $3,955 | 24.8% | $106,005 |
| 24 | Michigan | $75,181 | $3,999 | 24.8% | $106,050 |
| 25 | Alabama | $75,079 | $4,102 | 24.9% | $106,172 |
| 26 | Colorado | $75,048 | $3,692 | 24.9% | $106,307 |
| 27 | Pennsylvania | $75,040 | $3,070 | 25.0% | $106,253 |
| 28 | Vermont | $74,994 | $4,076 | 25.0% | $106,578 |
| 29 | Idaho | $74,985 | $4,195 | 25.0% | $106,449 |
| 30 | Georgia | $74,939 | $4,242 | 25.1% | $106,489 |
| 31 | South Carolina | $74,936 | $4,244 | 25.1% | $106,515 |
| 32 | Rhode Island | $74,932 | $3,148 | 25.1% | $106,476 |
| 33 | Montana | $74,891 | $4,289 | 25.1% | $106,629 |
| 34 | Wisconsin | $74,752 | $4,428 | 25.3% | $106,874 |
| 35 | Utah | $74,730 | $4,450 | 25.3% | $106,753 |
| 36 | Indiana | $74,527 | $2,921 | 25.5% | $107,088 |
| 37 | Kansas | $74,400 | $4,780 | 25.6% | $107,380 |
| 38 | New Jersey | $74,390 | $4,180 | 25.6% | $107,537 |
| 39 | Illinois | $74,375 | $4,805 | 25.6% | $107,347 |
| 40 | Virginia | $74,244 | $4,936 | 25.8% | $107,641 |
| 41 | Massachusetts | $74,040 | $4,680 | 26.0% | $107,921 |
| 42 | New York | $73,877 | $4,860 | 26.1% | $108,238 |
| 43 | Connecticut | $73,705 | $4,975 | 26.3% | $108,653 |
| 44 | Maine | $73,551 | $5,129 | 26.4% | $109,142 |
| 45 | Delaware | $73,521 | $5,259 | 26.5% | $108,933 |
| 46 | Minnesota | $73,463 | $5,277 | 26.5% | $109,058 |
| 47 | Hawaii | $72,994 | $5,796 | 27.0% | $109,859 |
| 48 | California | $72,969 | $4,911 | 27.0% | $110,395 |
| 49 | Maryland | $71,807 | $4,384 | 28.2% | $112,047 |
| 50 | Oregon | $71,332 | $7,148 | 28.7% | $113,318 |
The cities that change the ranking
Some cities levy their own wage tax on top of the state's. Once that layer is in, the state is no longer the number that matters.
| City | Local rate | Local tax | Take-home / yr | Rank vs states |
|---|---|---|---|---|
| New York CityNY | 3.078%–3.876% | −$3,441 | $70,436 | Below all 50 |
| PhiladelphiaPA | 3.737% | −$3,738 | $72,303 | #49 |
| ColumbusOH | 2.5% | −$2,500 | $74,367 | #40 |
| Kansas CityMO | 1% | −$1,000 | $74,510 | #37 |
Municipal wage tax on the same base as the state model. Other cities (Pittsburgh, Grand Rapids, Indiana and Maryland counties) also tax wages and are not in this sample.
The more you earn, the more your state matters
$3,554
spread between best and worst state
$5,580
spread between best and worst state
$7,848
spread between best and worst state
$13,855
spread between best and worst state
High-rate states tax a fixed share of income above the deduction, so the spread grows close to linearly: 3.9× going from $50,000 to $150,000.
Methodology
A single filer with no dependents, on gross salaries of $50,000, $75,000, $100,000, $150,000, in each of the 50 states. Federal tax uses the 2026 brackets and standard deduction, plus FICA (6.2% Social Security up to the wage base and 1.45% Medicare). No pre-tax contributions and no OBBBA deductions, so the state is the only variable.
State tax runs through each state's own 2026 schedule — brackets, standard deduction, exemptions, credits and phase-outs — plus the local tax most residents pay (the county rate in Maryland, Indiana and Pennsylvania) and the employee state payroll programs. It's a uniform comparison index, not an estimate of your return: we leave out itemized deductions, income-tested credits such as the EITC, and property or sales taxes — which is precisely how several no-income-tax states fund themselves. What changed from the first edition is in the October 10, 2026 methodology changelog.
Sources: IRS Rev. Proc. 2025-32 (2026 brackets and standard deduction) and current state rates compiled by MyPayCal. Full engine methodology.
Use and cite this data
Released under CC BY 4.0: reuse it, including commercially, as long as you credit MyPayCal with a link.
- take-home-by-state-2026.csv — 50 rows, 16 columns
- take-home-by-state-2026.json — with findings, cities and methodology
MyPayCal. (2026). MyPayCal Take-Home Index 2026 (edition 2026.2): take-home pay by state. https://mypaycal.org/en/take-home-pay-by-state
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