Take-home pay on $75,000 in every state, 2026

On a $75,000 salary in 2026, where you work changes your take-home pay by up to $5,569 a year — $214.19 every paycheck. We ran the same paycheck through the official withholding rules of all 50 states and D.C.

Key findings

• Most take-home: Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas and Wyoming — $61,593 a year ($2,368.94 every two weeks), with no state income tax or state payroll premium taken from pay.
• Least take-home: Oregon — $56,024 a year ($2,154.75 every two weeks), after $5,569 in state taxes (before any local tax).
• The middle: the median state, Oklahoma, takes $2,834 a year, leaving $58,759.
• No state tax at all: 7 states take nothing beyond federal tax, Social Security and Medicare.
• Payroll premiums add up: 17 states take a disability, family-leave, unemployment or long-term-care premium from pay on top of (or instead of) income tax — Washington $1,040, California $975, Rhode Island $825, Oregon $525, New Jersey $505, Connecticut $375, Maine $375, Hawaii $375, New York $355, Massachusetts $345, Colorado $330, Minnesota $330, Delaware $300, Alaska $271, Vermont $83, Pennsylvania $53 and New Mexico $9 a year on this salary.
• Everywhere the same: federal income tax ($7,670) and Social Security and Medicare ($5,738) don't depend on the state.

Take-home pay on $75,000 in every state, ranked

Single filer paid every two weeks, standard 2026 Form W-4 and each state's default withholding form choices, no 401(k) or benefits. "State taxes" is state (and default local) income tax withheld plus employee-paid state payroll premiums. Click a state for its full calculator with your own details. Download the data (CSV).

"=" marks a tie. Maryland includes a local income tax at the calculator's default choice (Baltimore City — 3.2%). "Per paycheck" is an early-year paycheck; where a state premium stops once yearly pay reaches a cap, the yearly figure is slightly higher than 26 paychecks. States marked "before any local tax" have city, county or school district taxes in some places that depend on where you live or work — see each state's page.

How we worked it out

• Federal income tax: IRS Publication 15-T (2026), Worksheet 1A, the percentage method payroll software uses.
• Social Security and Medicare: 2026 rates and wage base from the IRS and Social Security Administration.
• State taxes: each state's own 2026 withholding formula or tables and its employee-paid payroll programs, from the state's publications (listed on each state's page and our methodology page).
• Checked by tests: the engine behind these numbers runs hundreds of automated checks, including hand-worked paychecks for every state, before every update.
• What it isn't: withholding is not the tax you finally owe. Credits, deductions and other income on your return change the final bill. No CPA or enrolled agent has reviewed these figures — see how we review.

Using these numbers

You're welcome to quote, chart or republish this data. Please credit PaycheckPlain with a link to this page. Questions or a figure that looks wrong: hello@paycheckplain.com.

To see your own paycheck, use the paycheck calculator or compare any two states.

Sources

• IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — Worksheet 1A and the annual percentage-method tables
• IRS Publication 15 (2026), Employer's Tax Guide — Social Security and Medicare rates
• Social Security Administration — 2026 wage base of $184,500
• IRS — tips and overtime deductions
• Florida Department of Revenue — Florida does not tax personal income
• Nevada Legislative Counsel Bureau — Residency fact sheet — Nevada Constitution art. 10, § 1: no income tax on the wages or personal income of natural persons
• New Hampshire Department of Revenue Administration — Interest and Dividends Tax — no income tax on W-2 wages; I&D tax repealed for periods after December 31, 2024
• South Dakota Department of Revenue — Individual taxes — South Dakota does not impose a state income tax
• Tennessee Department of Revenue — GEN-34 Income Tax Withholding — no state income tax on earned income and no withholding requirements
• Texas Constitution, Article 8, Section 24-a — the legislature may not tax the net incomes of individuals (adopted November 5, 2019)
• State of Wyoming — About Wyoming — Wyoming does not have an individual or corporate income tax
• Alaska Office of the State Assessor — Alaska tax facts — there is no personal state income tax
• North Dakota Office of State Tax Commissioner — Income Tax Withholding Rates and Instructions, For wages paid in 2026 — relies on the federal Form W-4; Section 1 (W-4 before 2020): allowance $97 weekly, $194 bi-weekly, $210 semi-monthly, $420 monthly, Tables 1–8, worked example $1,800 weekly single 2 allowances → $10; Section 2 (W-4 for 2020 and after, or no W-4 = single): annual percentage method, 1.95% and 2.50%, round to nearest dollar; supplemental wages 1.50%
• Washington Department of Revenue — Income tax — Washington does not currently have an individual income tax
• Arizona Department of Revenue — Form A-4, Employee's Arizona Withholding Election (2026) — 0.5%–3.5% choices; extra amount; 0% election; 2.0% if no A-4; gross taxable wages = W-2 box 1
• Ohio Department of Taxation — Employer Withholding Taxes: Optional Computer Formula (effective August 1, 2026) — $650 per exemption; 1.6% / 2.99% over $26,050 / 3.4% over $100,000; divided by pay periods
• Louisiana Department of Revenue — R-1306 (1/26) Louisiana Withholding Tables and Formulas, effective January 1, 2026 — 3.09% formula rate; $12,875 / $25,750 standard deductions by L-4 Block A; worked example
• Indiana Department of Revenue — Departmental Notice #1, Withholding (R46 / 01-26, effective Jan. 1, 2026) — 2.95% state rate; $1,000 / $1,500 / $3,000 exemption constants; county rates; worked example
• Mississippi Department of Revenue — Computer Payroll Accounting, For Periods In 2026 (flowchart, updated 8-13-25) — STDED M $4,600, B $2,300, H $3,400, S $2,300; TI = AGP − (EX + STDED); TAX = (TI − 10,000) × .04; PWT = TAX ÷ PERIOD; round to whole dollars; add Line 7 additional amount
• Arkansas Department of Finance and Administration — Withholding Tax Formula Method (Effective 01/01/2026) — $2,470 standard deduction; $50 midrange below $100,001; rates 0%–3.7% with adjustment amounts; round the annual gross tax; $29 personal credit per AR4EC exemption; worked example ($2,127 monthly, 2 exemptions → $36.50)
• Iowa Department of Revenue — Iowa Individual Income Tax Withholding Formula, Effective January 1, 2026 (released November 2025) — T1 = wages − deduction amount; T2 = T1 × 3.80%; T3 = T2 − allowance amount ÷ pay periods; T4 = T3 + additional; deduction amounts $13,000 / $19,500 / $26,000 a year; ten worked examples
• Pennsylvania Department of Revenue — Employer withholding — flat 3.07% of compensation
• Kentucky Department of Revenue — 42A003 (TCF)(10-2025), 2026 Kentucky Withholding Tax Formula — 3.5% flat rate; $3,360 standard deduction; four-step formula; monthly and bi-weekly examples
• North Carolina Department of Revenue — NC-30 Income Tax Withholding Tables and Instructions for Employers (2026) — 4.09% withholding rate; standard deductions; $2,500 per allowance; worked example
• Missouri Department of Revenue — 2026 Missouri Withholding Tax Formula — annual method; standard deductions $16,100 / $32,200 / $24,150; rate table 0%–4.7% in $1,348 steps; worked example $35,000 → $707.81, $59.00 a month; 4.7% supplemental
• New Mexico Taxation and Revenue Department — FYI-104, New Mexico Withholding Tax, Effective January 1, 2026 (REV. 11/2025) — TRD RealFile public-files copy; federal W-4 used, no allowances; percentage-method Tables 1–8 (single, married, head of household), 1.5%–5.9%; worked example $1,000 weekly married + $20 → $41.80; 5.9% flat supplemental rate
• West Virginia Tax Division — Form WV IT-100.2A, Tables for Percentage Method of Withholding (March 2026) — exemption $2,000 a year ($38.46 weekly, $76.92 bi-weekly, $83.33 semi-monthly, $166.67 monthly); Two Earner/Two or More Jobs and Optional One Earner/One Job tables; rates 2.11%–4.58%
• Vermont Department of Taxes — GB-1210, 2026 Income Tax Withholding Instructions, Tables, and Charts — percentage method tables (Single, Married) at 3.35%, 6.60%, 7.60%, 8.75%; one allowance = $5,400 a year ($103.85 weekly, $207.69 biweekly, $225.00 semimonthly, $450.00 monthly); worked example; no W-4VT: employer may use the federal W-4
• Nebraska Department of Revenue — 2026 Circular EN, Nebraska Income Tax Withholding (8-429-1998 Rev. 11-2025) — wages paid on or after January 1, 2026; $2,440 allowance; single with no allowances when no W-4N; 1.5% / 50% minimum withholding; 3.5% supplemental option; no worked example, no rounding rule
• Oklahoma Tax Commission — Packet OW-2, 2026 Oklahoma Income Tax Withholding Tables (Revised 11-2025) — effective January 1, 2026; $1,000 allowance ÷ pay periods; percentage-method tables 1–8 (0%, 2.5%, 3.5%, 4.5%); round to the nearest dollar; worked example
• Montana Department of Revenue — Montana Employer and Information Agent Guide with Montana Withholding Tax Tables (V4, November 2025; for use beginning Jan. 1, 2026) — formula tables by payroll period and MW-4 status (4.7% and 5.65%; annual Single $16,100 / $63,600 / $2,233, Married $32,200 / $127,200 / $4,465, Head of household $24,150 / $95,400 / $3,349; both spouses working = Single figures); round to the nearest dollar; worked examples; supplemental flat 5%; deferred-compensation contributions excluded from federal AGI are exempt
• Michigan Department of Treasury — Form 446, 2026 Michigan Income Tax Withholding Guide — 4.25%; $5,900 personal exemption for 2026; fringe benefits follow IRS Publication 15
• Georgia Department of Revenue — 2026 Employer's Withholding Tax Guide (revised June 2026) — 4.99% from May 11, 2026 (5.19% before); $15,000 / $30,000 standard deductions; $5,000 per allowance; percentage method Table E and worked examples; 401(k) not taxable; no G-4 → single, zero allowances
• SCDOR — WH-1603F, Formula for Computing SC Withholding Tax, 2026 (Rev. 11/4/25) — $5,000 per allowance; standard deduction 10% of wages up to $7,500, $0 with zero allowances; 0% / 3% − $109.20 / 6% − $656.10; worked example $750 weekly, 3 allowances → $10.58
• Idaho State Tax Commission — Table for Percentage Computation Method of Withholding (EPB00744, 07-23-2026) — 5.3% of wages over $16,100 single / $32,200 married a year; weekly $310 / $619; biweekly $619 / $1,238; semimonthly $671 / $1,342; monthly $1,342 / $2,683; single includes head of household
• Alabama Department of Revenue — Withholding Tax Tables and Instructions for Employers and Withholding Agents (revised January 2026) — formula steps 1–6; standard deduction phase-down; $1,500/$3,000 personal exemption; $1,000/$500/$300 per dependent; 2%/4%/5% rates; federal withholding deducted; worked example (M-2, $850 weekly → $29.59); no A-4 → zero exemptions
• Utah State Tax Commission — Publication 14, Withholding Tax Guide (Rev. 4/26, effective June 1, 2026) — 4.45%; base allowances and 1.3% phase-out by pay period; Single column for head of household; worked examples
• Kansas Department of Revenue — KW-100 Kansas Withholding Tax Guide — percentage formula method; allowance amounts ($9,160 single, $18,320 joint, $2,320 per dependent or head of household) ÷ pay periods; worked example; rounding to whole dollars optional; 401(k)/cafeteria plans follow federal wages
• Colorado Department of Revenue — DR 1098, 2026 Colorado Withholding Worksheet for Employers — 4.40%; allowance $11,000 married filing jointly, $5,500 otherwise, or DR 0004 Line 2; DR 0004 Line 3 added per paycheck
• N.J. Division of Taxation — New Jersey Withholding Rate Tables (percentage method, paid on and after October 1, 2020) — Rate A–E annual and per-period tables; 1.5% to 11.8%
• Virginia Tax — Income Tax Withholding Guide for Employers (Rev. 05/25) — formula: $8,750 standard deduction, $930 per personal/dependent exemption, $800 per age 65+/blind exemption; rate table; worked example; no VA-4 → no exemptions
• Illinois Department of Revenue — Booklet IL-700-T, Illinois Withholding Tax Tables (2026) — 4.95%; $2,925 per Line 1 allowance, $1,000 per Line 2 allowance; worked example
• RI Division of Taxation — 2026 Rhode Island Employer's Income Tax Withholding Tables — percentage method: one exemption $1,000 a year ($19.23 weekly), $0 if annual wages exceed $290,800; tables 3.75% / 4.75% / 5.99% for all filing statuses; worked example $2,195 weekly → $87.57; supplemental rate 5.99%; wages subject to federal withholding
• Wisconsin Department of Revenue — Publication W-166, Withholding Tax Guide (1/26) — alternate (formula) method, p. 26: sliding deduction, $400 per exemption, 3.54%–7.65% schedule, worked examples; no WT-4 → zero exemptions; reciprocity
• Massachusetts DOR — Circular M: Income Tax Withholding Tables at 5.0%, effective January 1, 2026 — percentage method; $4,400 / $1,000 exemption factors; $2,000 FICA maximum; $120 head of household; $110 blindness; 9% over $1,107,750; supplemental wage example
• NYS Department of Taxation and Finance — NYS-50-T-NYS, New York State Withholding Tax Tables and Methods (1/26) — effective January 1, 2026; Table A/B/C deduction and exemption allowances; Method II tables and worked examples; Method III top rates; supplemental rate 11.70%
• Connecticut DRS — TPG-211, 2026 Withholding Calculation Rules (Rev. 12/25) — 16 steps; Tables A–E (exemptions, initial tax 2%–6.99%, 2% phase-out add-back, recapture, personal tax credits); unchanged from 2025
• Delaware Division of Revenue — Employer's Guide (Withholding Regulations and Employer's Duties) — annualized formula: standard deduction $3,250 single / $6,500 joint / $3,250 separate; $110 credit per exemption; tax table effective Jan. 1, 2025 (0%–6.6%); example $25,000 single, 1 allowance → $722, $13.88 weekly; no form → single, no allowances; page updated Jan. 9, 2026
• Maine Revenue Services — Withholding Tables for Individual Income Tax, tax year 2026 (rev. December 2025) — percentage method Steps 1–6; $5,300 per allowance; standard deduction $12,450 / $27,750 with phase-out; rate schedules 5.8%, 6.75%, 7.15%; round to the nearest dollar; Examples 1–3; invalid W-4ME: single, no allowances
• California EDD — 2026 Withholding Schedules, Method B – Exact Calculation Method — Tables 1–28; worked examples A–F
• D.C. Code § 47-1806.03 — Tax on residents and estates and trusts; rates — (a)(11), taxable years after Dec. 31, 2021: 4% to $10,000; 6% to $40,000; 6.5% to $60,000; 8.5% to $250,000; 9.25% to $500,000; 9.75% to $1,000,000; 10.75% above
• Hawaii Department of Taxation — Appendix 2: Income Tax Withholding Tables for Taxable Years Beginning After December 31, 2025 (June 30, 2025) — Part 1 annualized method: $1,144 per allowance, $4,350 extra lump sum allowance, annual Single/Married tables 1.40%–7.90%; worked example $500 weekly, single, 3 allowances → $9.58; Part 2 per-period tables
• Minnesota Department of Revenue — 2026 Minnesota Withholding Tax Instructions and Tables (Computer Formula, page 34) — allowance $5,300; single and married charts 5.35% to 9.85%; divide by payroll periods, may round to the nearest dollar; no W-4MN → single, zero allowances; supplemental 6.25%
• Comptroller of Maryland — 2026 Maryland Employer Withholding Guide — percentage method: $3,400 standard deduction, $3,200 per exemption, rate tables ignore rates below 4.75%, no withholding under $5,000 a year, 1 exemption if no MW507, Anne Arundel and Frederick rates
• Oregon Department of Revenue — Oregon Withholding Tax Formulas, 150-206-436 (effective January 1, 2026) — formulas, $2,910/$5,820 standard deduction, $8,750 federal-tax cap and phase-out, $263 per allowance, examples 1–4, 8% rate with no withholding statement