easyMcalc

Take-home pay by state at $100,000

Estimate for information only, not tax advice. Sources

Tax year 2026Data checked 27 September 2026

At $100,000, 7 states tie for the most take-home pay, keeping 79.2%. The least is 71.8%, in Maryland.

Tied at the top

Most kept
79.2%
Least kept
71.8%
Gap a year
$7,425

Federal income tax, Social Security and Medicare come to $20,820 on $100,000 in every state, so what separates two states is what the state itself takes.

Save this result as an image

Format

The image is drawn in your browser. Nothing you entered is sent anywhere.

Salary and filing status

What the state takes from $100,000

The most any state takes from $100,000 is $7,425, in Maryland; the least is $0.

    • Maryland $7,425
    • Oregon $7,147
    • California $6,860
    • Washington, D.C. $6,535
    • Minnesota $6,077
    • Hawaii $6,073
    • Maine $5,361
    • New York $5,279
    • Delaware $5,259
    • New Jersey $5,220
    • 7 states tied $0
    The ten states that take the most, then the least any state takes, to the whole dollar. State and local income tax plus state payroll levies. Filing status: Single or married filing separately. Tax year 2026.
    All 51 places at $100,000, ranked
    RankPlaceKeep rateEffective rateState takesTake-home pay
    1 Florida 79.2% 20.8% $0 $79,180
    1 Nevada 79.2% 20.8% $0 $79,180
    1 New Hampshire 79.2% 20.8% $0 $79,180
    1 South Dakota 79.2% 20.8% $0 $79,180
    1 Tennessee 79.2% 20.8% $0 $79,180
    1 Texas 79.2% 20.8% $0 $79,180
    1 Wyoming 79.2% 20.8% $0 $79,180
    8 Alaska 78.9% 21.1% $271 $78,909
    9 North Dakota 78.4% 21.6% $826 $78,354
    10 Washington 77.8% 22.2% $1,387 $77,793
    11 Arizona † 77.1% 22.9% $2,106 $77,074
    12 Ohio † 76.6% 23.4% $2,628 $76,552
    13 Louisiana 76.5% 23.5% $2,692 $76,488
    14 Pennsylvania 76.0% 24.0% $3,140 $76,040
    15 Mississippi 75.9% 24.1% $3,268 $75,912
    16 Iowa 75.9% 24.1% $3,306 $75,874
    17 Kentucky 75.8% 24.2% $3,382 $75,798
    18 North Carolina 75.6% 24.4% $3,569 $75,611
    19 Arkansas † 75.5% 24.5% $3,656 $75,524
    20 Missouri † 75.4% 24.6% $3,763 $75,417
    21 Rhode Island † 75.3% 24.7% $3,882 $75,298
    22 West Virginia † 75.3% 24.7% $3,890 $75,290
    23 Nebraska 75.2% 24.8% $3,943 $75,237
    24 Oklahoma 75.2% 24.8% $3,955 $75,225
    25 New Mexico † 75.2% 24.8% $3,964 $75,216
    26 Alabama 75.1% 24.9% $4,102 $75,079
    27 Colorado † 75.0% 25.0% $4,158 $75,022
    28 Georgia † 74.9% 25.1% $4,242 $74,939
    29 Michigan † 74.9% 25.1% $4,250 $74,930
    30 Montana 74.9% 25.1% $4,290 $74,890
    31 Vermont † 74.8% 25.2% $4,335 $74,845
    32 Idaho † 74.7% 25.3% $4,447 $74,733
    33 Utah 74.7% 25.3% $4,450 $74,730
    34 South Carolina 74.6% 25.4% $4,594 $74,586
    35 Massachusetts 74.5% 25.5% $4,680 $74,500
    36 Kansas 74.4% 25.6% $4,780 $74,400
    37 Illinois 74.4% 25.6% $4,805 $74,375
    38 Virginia 74.2% 25.8% $4,936 $74,244
    39 Indiana 74.2% 25.8% $4,970 $74,210
    40 Wisconsin 74.2% 25.8% $4,971 $74,209
    41 Connecticut 74.2% 25.8% $4,975 $74,205
    42 New Jersey 74.0% 26.0% $5,220 $73,960
    43 Delaware † 73.9% 26.1% $5,259 $73,921
    44 New York 73.9% 26.1% $5,279 $73,901
    45 Maine 73.8% 26.2% $5,361 $73,819
    46 Hawaii † 73.1% 26.9% $6,073 $73,107
    47 Minnesota † 73.1% 26.9% $6,077 $73,103
    48 Washington, D.C. † 72.6% 27.4% $6,535 $72,646
    49 California 72.3% 27.7% $6,860 $72,320
    50 Oregon † 72.0% 28.0% $7,147 $72,033
    51 Maryland 71.8% 28.2% $7,425 $71,755

    Ties share a rank, and amounts are rounded to the whole dollar. Every state is worked out on the same gross salary and filing status, with its calculator's defaults for everything else: no children, and the default county or city where a state asks for one. † The page for this state carries a note on something this estimate assumes or leaves out, such as a local tax, a table changed during the year, or a figure that is a tax bill rather than an amount withheld.

    Keep rate on 100,000 in each local currency

    Keep rate in 7 places in Europe on the same figure. The most is 80.4%, in Zurich.

      • Zurich 80.4%
      • United Kingdom 68.6%
      • France 64.9%
      • Spain 63.8%
      • Netherlands 62.7%
      • Germany 58.0%
      • Italy 57.0%
      Single earner, each place's default options and current tax year. The same figure in euros, pounds and Swiss francs is not the same amount of money: this compares tax systems, not pay or living costs.

      Prices and exchange rates are not in these figures. Compare two places with both taken into account

      What this ranking compares

      Every state and the District of Columbia, worked out on the same gross salary and the same filing status, each with the same official withholding rules its own salary page uses. The keep rate is the share of the salary left after every payroll deduction: federal income tax, Social Security, Medicare, and whatever the state adds. The effective rate beside it is the same figure seen from the other side, the share that goes.

      A ranking only means something if nothing moves but the thing being ranked. So every state gets the same answers to every question its calculator asks: no children, the default number of allowances, and the default county or city where a state has a local tax that depends on where you live. Change any of those and a state can move a few places; the state's own page lets you set them.

      Why the chart measures what the state takes

      Federal income tax, Social Security and Medicare do not depend on where you work. Two people on the same salary with the same filing status have the same federal lines on their payslip in Texas and in California, to the cent, because every state starts from the same federal rules. Everything that separates one state from another happens in the state's own layer.

      That is why the bars measure what the state takes rather than the keep rate. Keep rates sit close together, because the federal part they share is most of what leaves a payslip, and bars of nearly equal length hide the ranking they are meant to show. The state's share starts at nothing, so measured on its own the differences between states show at their true size. The keep rate is still in the table, next to the effective rate, for anyone who wants the whole picture.

      Why several states tie at the top

      A state with no tax on wages and no payroll levy of its own adds nothing to the federal lines, so every such state leaves exactly the same pay. They are not close; they are identical, and the ranking gives them one shared place rather than inventing an order among them.

      At lower salaries the group can grow. A state whose allowances or standard deduction are larger than the salary takes nothing either, and it joins the top for as long as that lasts.

      No income tax is not the same as no deductions

      Some states run insurance funds paid for through the payroll: disability insurance, paid family leave, long-term care, or an employee share of unemployment insurance. Those levies leave the payslip exactly the way a tax does, so they count in what the state takes.

      That is how a state with no income tax at all can rank below the top group. Alaska and Washington are the two on file: neither taxes wages, and both take a levy that the states at the top do not.

      What the figures leave out

      These are withholding figures for a full year of employment, not tax returns. They leave out what only appears when a return is filed: itemised deductions, credits that depend on the whole household, investment income, and refunds.

      They also leave out pre-tax deductions such as retirement plan contributions and health insurance premiums, which lower the taxable wage in every state but by an amount that depends on the job rather than on the place. City and county income taxes are included only where the state's calculator models them. A state whose own page carries a note about something like that is marked in the table, and the note itself is on that page.

      Arizona is the one state whose figure is a tax bill rather than an amount withheld. Arizona lets employees choose their own withholding percentage, so there is no single withheld amount to show; the page uses what the state's tax on that salary works out to, which is the fairer figure to rank.

      Europe, beside rather than inside

      The European countries are worked out on the same figure in their own currency and shown in a block of their own. A hundred thousand euros and a hundred thousand dollars are not the same amount of money, and a single league table has no room for the sentence that would make them comparable. What the block does show fairly is how much of the same nominal salary each tax system leaves, which is a question about the systems rather than about pay.

      To compare what a salary is worth in two places once prices and exchange rates are taken into account, the salary comparison does that step, and the cost of living comparison does it for spending rather than for pay.

      What this is not

      A ranking of where to live. The state that takes the least from a salary can still cost more to live in, and the one that takes the most can be where the salary itself is higher. This page answers one question, how much of the same pay each state's rules leave you, and it answers it exactly.

      Common questions

      Which state has the highest take-home pay?

      On the same salary, the states with no tax on wages and no payroll levy of their own, and they tie exactly. Which states those are, and at what keep rate, is in the answer at the top of the page for the salary you chose.

      Which state takes the most from a paycheck?

      The first bar of the chart. The order among the states that take the most changes with salary, because each state's brackets, deductions and levy ceilings bite at different points, so it is worth checking at your own salary rather than at a round figure.

      Why does a state with no income tax not rank first?

      Because it takes a payroll levy instead, for a state insurance fund. The levy leaves your pay the same way a tax would, so it counts.

      Does filing jointly change the ranking?

      It can. Choosing a different filing status recalculates every state, and states whose brackets or deductions for couples are not simply double the single ones move relative to the others.

      Is cost of living taken into account?

      No. This page compares what each state's rules take from the same pay. The cost of living comparison and the salary comparison add prices to the picture.

      Is anything I type stored?

      No. The salary you enter travels in the page address and nowhere else, and the access log for this site drops that part of the address.

      Sources

      The federal rules every state shares come from the documents below. Each state's own sources are listed on its page, which the table above links to.