Take-Home Pay by State (2026): The $8,176 Difference
On a $100,000 salary, federal tax and FICA take $20,820 wherever you live, leaving $79,180. What happens after that is entirely the state's doing: 9 take nothing, and Oregon takes $8,176.
Every figure below is computed with the same engine behind our calculators, using 2026 federal brackets and current state rules. Single filer, standard deduction, no other income.
How much is taken out of a $100,000 paycheck?
$20,820 in federal tax and FICA, before any state touches it. That is the floor everyone pays.
| Deduction | On $100,000 |
|---|---|
| Federal income tax | $13,170 |
| Social Security (6.2%) | $6,200 |
| Medicare (1.45%) | $1,450 |
| Left before state tax | $79,180 |
2026 federal brackets and the 2026 standard deduction, verified 2026-08-07. FICA rates from the Social Security Administration.
Which states have no income tax?
9 of them, and they all leave the same $79,180 because there is nothing left to deduct.
Two of those deserve an asterisk. New Hampshire and Washington tax some investment or capital gains income but not wages, so a salary is untouched while a portfolio may not be.
The bigger caveat applies to all nine. A state that does not tax income still needs revenue, and it generally comes from property and sales taxes instead. This page compares income tax, which is the part that leaves your paycheck, not the total cost of living somewhere.
Which state takes the most?
Oregon, at $8,176. These are the six most expensive states on a $100,000 salary.
Single filer, 2026 rules, state income tax only. Computed with the same engine as our calculators.
Oregon stands out even against the rest of that list. Its top rate arrives early, so a six-figure salary is well into the upper brackets, and unlike most high-tax states it has no sales tax offsetting it. The result is the widest single gap in the country against a no-tax state.
Where a taxed state costs you least
Not every income tax is expensive. These six charge something, but little enough that the difference from a no-tax state is small.
Excludes the nine states with no income tax, which are all $0. Same salary and assumptions throughout.
The practical point of putting these two charts side by side: the choice is not between tax and no tax. Several states with an income tax cost less than a percent of gross pay at this salary, which is well inside the noise of a housing or salary difference between two cities.
Take-home pay in all 51 jurisdictions
Ranked by what you keep on $100,000. Each links to a calculator for that state where you can run your own salary.
| # | State | State tax | You keep |
|---|---|---|---|
| 1 | Alaska | none | $79,180 |
| 2 | Florida | none | $79,180 |
| 3 | Nevada | none | $79,180 |
| 4 | New Hampshire | none | $79,180 |
| 5 | South Dakota | none | $79,180 |
| 6 | Tennessee | none | $79,180 |
| 7 | Texas | none | $79,180 |
| 8 | Washington | none | $79,180 |
| 9 | Wyoming | none | $79,180 |
| 10 | North Dakota | $691 | $78,489 |
| 11 | Ohio | $2,034 | $77,146 |
| 12 | Arizona | $2,291 | $76,889 |
| 13 | Louisiana | $2,614 | $76,566 |
| 14 | Indiana | $2,950 | $76,230 |
| 15 | Pennsylvania | $3,070 | $76,110 |
| 16 | Iowa | $3,188 | $75,992 |
| 17 | Kentucky | $3,382 | $75,798 |
| 18 | Rhode Island | $3,398 | $75,783 |
| 19 | North Carolina | $3,481 | $75,699 |
| 20 | New Mexico | $3,569 | $75,611 |
| 21 | Colorado | $3,692 | $75,488 |
| 22 | Arkansas | $3,716 | $75,464 |
| 23 | Missouri | $3,763 | $75,417 |
| 24 | Nebraska | $3,846 | $75,334 |
| 25 | Mississippi | $3,908 | $75,272 |
| 26 | Wisconsin | $3,957 | $75,223 |
| 27 | West Virginia | $3,982 | $75,199 |
| 28 | Oklahoma | $4,000 | $75,181 |
| 29 | New Jersey | $4,246 | $74,935 |
| 30 | Michigan | $4,250 | $74,930 |
| 31 | Montana | $4,289 | $74,891 |
| 32 | Idaho | $4,447 | $74,733 |
| 33 | Vermont | $4,490 | $74,690 |
| 34 | Utah | $4,500 | $74,680 |
| 35 | Maryland | $4,538 | $74,642 |
| 36 | Georgia | $4,567 | $74,613 |
| 37 | Connecticut | $4,750 | $74,430 |
| 38 | Alabama | $4,810 | $74,370 |
| 39 | South Carolina | $4,843 | $74,337 |
| 40 | New York | $4,860 | $74,320 |
| 41 | Illinois | $4,950 | $74,230 |
| 42 | Virginia | $4,989 | $74,191 |
| 43 | Massachusetts | $5,000 | $74,180 |
| 44 | California | $5,223 | $73,957 |
| 45 | Minnesota | $5,277 | $73,903 |
| 46 | Kansas | $5,291 | $73,889 |
| 47 | Delaware | $5,369 | $73,811 |
| 48 | District of Columbia | $5,532 | $73,649 |
| 49 | Maine | $6,033 | $73,147 |
| 50 | Hawaii | $6,157 | $73,023 |
| 51 | Oregon | $8,176 | $71,004 |
What this comparison leaves out
Three things, and each can be larger than the $8,176 the state income tax decides.
- Property and sales tax. The nine no-income-tax states raise revenue some other way. Texas has notably high property taxes; Washington has a high sales tax. Neither shows up in a paycheck.
- Local income tax. Several cities levy their own, New York City and Philadelphia among them, and it is not in these figures.
- Health insurance. The largest deduction on many American paychecks after tax, and it varies by employer rather than by state.
To run your own number rather than the $100,000 example, the take-home pay calculator covers all 51 jurisdictions with filing status and pre-tax contributions. If you are weighing a raise, the 401(k) calculator shows what routing part of it pre-tax does to both this year's tax and the eventual balance.
Frequently asked questions
Which state has the highest take-home pay?
Nine states tie for first, because they levy no state income tax at all: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. On a $100,000 salary each leaves $79,180 after federal tax and FICA.
Which state takes the most income tax?
Oregon, at $8,176 on a $100,000 single-filer salary, leaving $71,004. Hawaii and Maine follow. Oregon's rate is high and its brackets compress quickly, so a six-figure salary reaches the upper rates faster than in most states.
How much difference does the state make on a $100,000 salary?
$8,176 between the best and worst, comparing a no-income-tax state against Oregon. That is roughly 8% of gross pay, and it is the part of your tax bill that moving actually changes.
Which states have no income tax?
Nine: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. New Hampshire and Washington tax certain investment or capital gains income but not wages.
Does no state income tax mean lower taxes overall?
Not necessarily. States without an income tax generally raise the money elsewhere, most often through higher property or sales taxes. The comparison on this page is income tax only, which is the part that comes out of a paycheck.
How much is taken out of a $100,000 paycheck?
Federal income tax and FICA take $20,820 from a $100,000 single-filer salary in 2026, leaving $79,180 before any state tax. FICA is Social Security at 6.2% and Medicare at 1.45%.
What is FICA and does every state pay it?
FICA is the federal payroll tax funding Social Security and Medicare, 7.65% combined for an employee. It is federal, so it applies identically in all 50 states and the District of Columbia regardless of state income tax.
Is take-home pay the same as net pay?
Effectively yes, though a real paycheck also has deductions this comparison excludes: health insurance premiums, retirement contributions and any other pre-tax or post-tax withholding your employer runs.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Take-Home Pay by State (2026): The $8,176 Difference.” Vault Nerd, https://www.vaultnerd.com/learn/take-home-pay-by-state, updated August 2026.
- IRS Revenue Procedure 2025-32, 2026 inflation-adjusted brackets
- Social Security Administration, 2026 FICA rates and wage base
- Tax Foundation, 2026 state individual income tax rates and brackets