MyPayCal Research · v2026.1

Take-Home Pay by State: The 2026 Index

The same $100,000 salary leaves $9,229 more a year in Alaska than in Hawaii. We computed take-home pay for all 50 states under the 2026 tax system and published the full dataset.

Download CSV JSONCC BY 4.0 · published 2026-07-26

Key findings

National spread

$9,229

a year on a $100,000 salary — $769 a month, 9.2% of the salary.

No-income-tax states

tie for first at $79,180 net: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming.

The steepest raise

$115,550

is what you must earn in Hawaii to match $100,000 in Texas — $15,550 more just to break even.

National median

$74,985

is the median state's take-home; the average across the 41 states that do tax wages is $74,299.

The city effect

#50

is where New York City would rank among the 50 states: its 3.876% local tax takes another $3,252 a year.

It scales with income

$14,729

is the spread at $150,000, against $3,729 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	%
Hawaii	$115,550	+$15,550	15.6%
Oregon	$113,740	+$13,740	13.7%
Minnesota	$113,579	+$13,579	13.6%
California	$112,781	+$12,781	12.8%
Vermont	$111,995	+$11,995	12.0%

Computed by inverting the tax engine (binary search to the cent), not by scaling a rate.

Run your own number

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	Alaskano tax	$79,180	—	20.8%	$100,000
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	Washingtonno tax	$79,180	—	20.8%	$100,000
1	Wyomingno tax	$79,180	—	20.8%	$100,000
10	Arizona	$77,083	$2,098	22.9%	$103,091
11	North Dakota	$76,747	$2,433	23.3%	$103,607
12	Indiana	$76,663	$2,517	23.3%	$103,737
13	Pennsylvania	$76,579	$2,601	23.4%	$103,868
14	Ohio	$76,244	$2,937	23.8%	$104,393
15	Kentucky	$75,824	$3,356	24.2%	$105,058
16	Louisiana	$75,572	$3,608	24.4%	$105,462
16	Michigan	$75,572	$3,608	24.4%	$105,462
18	Arkansas	$75,488	$3,692	24.5%	$105,598
18	Colorado	$75,488	$3,692	24.5%	$105,598
20	North Carolina	$75,405	$3,776	24.6%	$105,734
21	Missouri	$75,153	$4,027	24.9%	$106,144
21	Oklahoma	$75,153	$4,027	24.9%	$106,144
23	Utah	$75,069	$4,111	24.9%	$106,281
24	Alabama	$74,985	$4,195	25.0%	$106,419
24	Illinois	$74,985	$4,195	25.0%	$106,419
24	Massachusetts	$74,985	$4,195	25.0%	$106,419
24	Mississippi	$74,985	$4,195	25.0%	$106,419
28	Georgia	$74,649	$4,531	25.4%	$106,976
29	Kansas	$74,398	$4,782	25.6%	$107,397
30	Idaho	$74,314	$4,866	25.7%	$107,539
30	Maryland	$74,314	$4,866	25.7%	$107,539
30	Virginia	$74,314	$4,866	25.7%	$107,539
33	New Mexico	$74,230	$4,950	25.8%	$107,681
34	Iowa	$74,146	$5,034	25.9%	$107,823
34	Rhode Island	$74,146	$5,034	25.9%	$107,823
36	New Jersey	$73,810	$5,370	26.2%	$108,397
36	South Carolina	$73,810	$5,370	26.2%	$108,397
38	West Virginia	$73,727	$5,454	26.3%	$108,541
39	Delaware	$73,643	$5,537	26.4%	$108,686
39	Nebraska	$73,643	$5,537	26.4%	$108,686
41	Montana	$73,475	$5,705	26.5%	$108,977
42	New York	$73,391	$5,789	26.6%	$109,124
43	Connecticut	$73,307	$5,873	26.7%	$109,271
44	Maine	$73,223	$5,957	26.8%	$109,418
45	Wisconsin	$72,804	$6,376	27.2%	$110,162
46	Vermont	$71,797	$7,383	28.2%	$111,995
47	California	$71,377	$7,803	28.6%	$112,781
48	Minnesota	$70,958	$8,222	29.0%	$113,579
49	Oregon	$70,874	$8,306	29.1%	$113,740
50	Hawaii	$69,951	$9,229	30.1%	$115,550

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	3.876%	−$3,252	$70,139	#50
PhiladelphiaPA	3.75%	−$3,146	$73,433	#42
ColumbusOH	2.5%	−$2,098	$74,146	#36
Kansas CityMO	1%	−$839	$74,314	#30

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

$50,000

$3,729

spread between best and worst state

$75,000

$6,479

spread between best and worst state

$100,000

$9,229

spread between best and worst state

$150,000

$14,729

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.

Arizona North Dakota Indiana Pennsylvania Ohio Compare two states →

Methodology

What we computed

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.

Where the model stops

State tax is modeled as each state's top marginal rate applied to income above the federal standard deduction. It's a uniform comparison index, not an estimate of your return: states with genuinely progressive brackets collect somewhat less, and we exclude state deductions, local credits, and property or sales taxes — which is precisely how several no-income-tax states fund themselves.

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.

Downloads

take-home-by-state-2026.csv — 50 rows, 14 columns
take-home-by-state-2026.json — with findings, cities and methodology

Suggested citation

MyPayCal. (2026). MyPayCal Take-Home Index 2026: take-home pay by state. https://mypaycal.org/en/take-home-pay-by-state

Embed the finding

Copy this block to quote the headline figure on your site:

<p>In 2026, a $100,000 salary leaves $9,229 more per year in Alaska than in Hawaii. Source: <a href="https://mypaycal.org/en/take-home-pay-by-state">MyPayCal Take-Home Index 2026</a>.</p>

FAQ

Which state gives you the most take-home pay in 2026?

The 9 states with no income tax tie for first: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. On a $100,000 salary (single, no dependents) take-home is $79,180 in any of them, since only federal tax and FICA apply.

How much difference does your state actually make?

On a $100,000 salary, $9,229 a year — $769 a month, 9.2% of the salary — between the best and worst state. The gap widens with income: $3,729 at $50,000, $6,479 at $75,000, $9,229 at $100,000, $14,729 at $150,000.

What salary do I need in Hawaii to match $100,000 in Texas?

$115,550 — a $15,550 raise (15.6%) just to break even after taxes. It's the largest jump of the 50 states.

Can I use this data in my article or research?

Yes. The dataset is released under CC BY 4.0: use it freely, including commercially, as long as you credit MyPayCal with a link to this page. CSV and JSON downloads include all 50 rows.

Are these numbers my exact tax bill?

No. It's a comparison index: it applies each state's top marginal rate to income above the federal standard deduction, with the same profile in all 50 states. States with genuinely progressive brackets pay somewhat less. For your own case use the calculator, which also handles 401(k), HSA and OBBBA deductions.

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