How Much You Really Take Home From a $100K Salary in Every State
Making a six-figure salary is something many of us aspire to do. However, even if your salary is $100,000, you’ll be taking a lot less home after taxes.
In addition to federal income taxes and FICA deductions, you might have to pay state and local taxes, depending on where you live. Each state has its own tax brackets and rates, so how much gets taken out of your paycheck varies by state.
Last updated: Aug. 5, 2020
Alabama
Take-home salary: $68,870
Cities evaluated: Birmingham and Montgomery
In Alabama, residents are allowed to deduct their federal income taxes, and the state has the second-lowest property taxes in the country. Property taxes are used to cover community needs such as public safety, education, infrastructure, street maintenance and recreation.
Alaska
Take-home salary: $73,077
City evaluated: Anchorage
Alaska is one of the most tax-friendly states in the U.S. because it’s one of the seven states with no income tax. In fact, the state actually pays its residents an annual stipend to live there.
Arizona
Take-home salary: $70,377
City evaluated: Phoenix
Even though Arizona has a state income tax, it’s one of the most tax-friendly states because the rates are so low: 2.59% to 4.54%. The highest rate applies only to people who earn more than $300,000 of taxable income as married joint filers, and more than $150,000 for all others.
Arkansas
Take-home salary: $67,296
City evaluated: Little Rock
Arkansas has a complicated system for income taxes that ends up dividing residents into 16 different tax brackets. The state is mixed in terms of its overall taxation, with low property taxes but a high sales tax.
But Arkansas residents can save on taxes by taking advantage of its tax-free weekends.
Take a Look: The Average Salary in Every State
California
Take-home salary: $66,157
City evaluated: Los Angeles
California is one of the least tax-friendly states, with high earners being taxed heavily. The top tax bracket, which applies to single filers with a taxable income of $1 million or more, is taxed 13.3% on income.
Colorado
Take-home salary: $68,727
Cities evaluated: Denver and Colorado Springs
All Colorado residents with a taxable income pay a flat tax of 4.63%. The state has low property rates but a sales tax rate that is on the higher end.
Connecticut
Take-home salary: $67,853
City evaluated: Bridgeport
Connecticut is one of the least tax-friendly states due to its high real estate taxes, as well as a gift tax and a luxury tax on top of its sales tax. Income taxes in the New England state range from 3% to 6.99%.
Delaware
Take-home salary: $67,231
Cities evaluated: Dover and Wilmington
Despite income taxes as high as 6.6%, Delaware is a relatively tax-friendly state because of its low property tax and lack of sales tax.
Florida
Take-home salary: $73,077
City evaluated: Jacksonville
Florida residents take home a large chunk of their salary because the Sunshine State has no income tax. The state also has relatively low property taxes.
Georgia
Take-home salary: $67,567
City evaluated: Atlanta
Georgia is not a tax-friendly state, with residents paying nearly a 6% income tax. Sales taxes also are relatively high, and even groceries are taxed in some parts of the state.
Hawaii
Take-home salary: $65,846
City evaluated: Honolulu
Not only is Hawaii one of the most expensive states to live in, but it has high taxes as well. Starting with the 2018 tax year, individual filers with a taxable income of $200,000 or higher will pay an 11% income tax.
Idaho
Take-home salary: $66,394
City evaluated: Boise
Idaho’s top tax rate takes effect at a comparatively low income versus most other states, so $100,000 in earnings gets taxed heavily. However, the state has low property taxes and a moderate sales tax that help ease the burden.
Illinois
Take-home salary: $69,409
City evaluated: Chicago
Illinois is one of the least tax-friendly states. Its flat state income tax has been raised to 4.95%, and the Midwestern state also has the second-highest property taxes in the U.S.
Indiana
Take-home salary: $68,266
Cities evaluated: Indianapolis and Fort Wayne
Indiana has a flat income tax rate of 3.23%, but some counties impose their own income taxes on top of it. The state has a sales tax of 7%, but municipalities cannot charge any additional sales taxes.
Iowa
Take-home salary: $67,573
City evaluated: Des Moines
Iowa lumps anyone with a taxable income of more than $69,930 into its highest income tax bracket, which has a relatively high rate at 8.98%. The state also has high real estate taxes.
Kansas
Take-home salary: $69,004
City evaluated: Wichita
For the 2018 tax year, income taxes in Kansas will range from 3.1% to 5.7%. The sales tax has increased in recent years in the state, which also has relatively high property taxes.
Kentucky
Take-home salary: $66,252
Cities evaluated: Louisville and Lexington
Kentucky has relatively high income tax rates that kick in even for relatively low earners. The top tax bracket applies to residents with a taxable income of $75,000 or more, with a rate of 6%.
Louisiana
Take-home salary: $68,997
City evaluated: New Orleans
State income taxes of 6% apply to individual filers who earn more than $50,000 a year. Property taxes are low, but sales taxes also take a big bite out of residents’ pockets.
Maine
Take-home salary: $66,829
City evaluated: Portland
Maine has some of the highest income taxes in the country, with the lowest income bracket taxed at 5.8% — a rate higher than what top income brackets pay in some other states.
Maryland
Take-home salary: $65,541
City evaluated: Baltimore
Maryland is one of the least tax-friendly states, with many counties levying their own income taxes on top of the state income taxes. State income taxes range from 2% to 5.75%, while county income taxes range from 1.75% to 3.2%.
Massachusetts
Take-home salary: $68,304
City evaluated: Boston
Massachusetts’ taxes are about average. The state has a flat income tax rate of 5.1%, as well as a flat 5.1% property tax and a flat 6.25% sales tax.
Read: How Much You Need To Live Comfortably in 50 Major US Cities
Michigan
Take-home salary: $67,125
Cities evaluated: Detroit and Grand Rapids
Michigan has a flat income tax rate of 4.25% of the federal adjusted gross income, with modification. High property taxes — which are especially high in Detroit — take a chunk of residents’ income, as well.
Minnesota
Take-home salary: $66,812
City evaluated: Minneapolis
Income taxes are high in Minnesota, where income is taxed at rates ranging from 5.35% to 9.85%. In addition, the state has high property taxes. Minnesota is one of the least tax-friendly states in the U.S.
Mississippi
Take-home salary: $68,642
City evaluated: Jackson
Mississippi levies its highest income taxes on anyone earning $10,000 or more. That rate is 5%. However, Mississippi has low property taxes.
Missouri
Take-home salary: $67,240
City evaluated: Kansas City
Missouri has 10 income tax brackets, with rates ranging from 1.5% to 6%. The highest rate starts with earners who make at least $9,000 a year. Sales and property taxes are about average.
Montana
Take-home salary: $67,613
City evaluated: Billings
Montana’s highest income tax bracket has a 6.9% rate, which applies to residents who earn a taxable income of $17,600 or more. While the income threshold is low for the highest income tax bracket, the state has low property tax and no general sales tax, though localities can impose a sales tax.
Nebraska
Take-home salary: $67,331
City evaluated: Omaha
Nebraska’s income taxes range from 2.46% to 6.84%. The state has some of the highest property taxes in the country.
Nevada
Take-home salary: $73,077
City evaluated: Las Vegas
Nevada does not levy a state income tax, but it has a high sales tax rate to compensate. Still, it’s one of the most tax-friendly states in the country.
New Hampshire
Take-home salary: $73,077
City evaluated: Portsmouth
New Hampshire doesn’t have sales tax or income tax, but there is a 5% tax on dividends and interest in excess of $2,400 for individuals and $4,800 for joint filers. The state is relatively tax-friendly, but it does have some of the highest property taxes in the U.S.
New Jersey
Take-home salary: $68,467
City evaluated: Newark
In New Jersey, the highest state tax bracket applies only to residents who earn over $500,000, but localities also can assess an income tax. However, the state is one of the least tax-friendly overall because it has the highest property taxes in the nation and recently added a fuel tax.
New Mexico
Take-home salary: $68,765
City evaluated: Albuquerque
In New Mexico, the highest state income tax of 4.9% applies to single filers earning at least $16,000 a year and to married couples filing jointly who earn more than $24,000.
New York
Take-home salary: $65,753
Cities evaluated: New York City and Buffalo
New York is one of the least tax-friendly states in the U.S. — income, property and sales taxes are all high. Income taxes in the Empire State range from 4% to 8.82%.
North Carolina
Take-home salary: $67,827
City evaluated: Charlotte
North Carolina has a flat income tax rate of 5.49% The state recently widened its sales tax to apply to more services, such as clothing alteration and cable installation.
North Dakota
Take-home salary: $71,523
City evaluated: Fargo
North Dakota has low income taxes, with rates ranging from 1.1% to 2.9% and the highest rates applying only to residents whose taxable income exceeds $416,700. Property taxes in North Dakota are about average.
Ohio
Take-home salary: $67,265
Cities evaluated: Cincinnati and Columbus
Ohio’s state income taxes are low, with rates ranging from 0.495% to 4.997%. However, municipalities and even school districts can levy additional income taxes.
Oklahoma
Take-home salary: $68,631
City evaluated: Oklahoma City
Oklahoma’s highest tax bracket applies to all residents with a taxable income of $7,200 or more, and rates range from 0.5% to 5%. The state has high sales taxes but low taxes on property and fuel.
Oregon
Take-home salary: $65,092
City evaluated: Portland
Oregon has the highest average income tax for people who make over $125,000 a year, with a tax rate of 9.9%. Even those individual filers who make at least $8,450 pay 9% income tax.
Although Oregon is one of the few states with no sales tax, its property taxes are high.
Pennsylvania
Take-home salary: $67,545
Cities evaluated: Philadelphia and Pittsburgh
Income taxes are low in Pennsylvania, which has a flat rate of 3.07%. However, the state has high property taxes in some areas.
Rhode Island
Take-home salary: $68,983
City evaluated: Providence
Income taxes in Rhode Island are relatively low, but the state has relatively high property taxes and sales tax.
South Carolina
Take-home salary: $66,720
City evaluated: Columbia
South Carolina’s top tax rate takes effect at a comparatively low income, so $100,000 gets taxed at a rate of 7%. The state does have low property taxes, which helps even things out.
South Dakota
Take-home salary: $73,077
City evaluated: Sioux Falls
South Dakota is one of the most tax-friendly states, with no income tax and lower sales taxes.
Tennessee
Take-home salary: $73,077
City evaluated: Nashville
Tennessee has no statewide income tax, but it does have the Hall Tax, which taxes dividends and some interest at a 3% rate for the 2018 tax year. However, the state has one of the highest sales taxes in the country.
Check Out: How To Avoid Paying Taxes Legally — and 11 Crazy Ways People Have Done It
Texas
Take-home salary: $73,077
City evaluated: Houston
Texas has no state income tax, but residents face high sales and property taxes.
Utah
Take-home salary: $68,077
City evaluated: Salt Lake City
Utah has a flat income tax of 5%. The state has low property taxes and average sales taxes.
Vermont
Take-home salary: $67,918
City evaluated: Burlington
Vermont’s income tax rates range from 3.55% to 8.95%. The state has some of the highest property taxes in the nation.
Virginia
Take-home salary: $67,811
City evaluated: Virginia Beach
Virginia’s income taxes are average, with rates ranging from 2% to 5.75%. Property taxes and sales taxes are relatively low, although there is a tax on groceries.
Washington
Take-home salary: $73,077
City evaluated: Seattle
Washington has no state income tax, but it does have high sales tax rates.
West Virginia
Take-home salary: $67,807
City evaluated: Charleston
Income taxes in West Virginia range from 3% to 6.5%. The state has low real estate taxes and relatively low sales taxes.
Wisconsin
Take-home salary: $67,124
City evaluated: Milwaukee
Wisconsin has relatively high income taxes and property taxes.
Wyoming
Take-home salary: $73,077
City evaluated: Cheyenne
Wyoming is one of the most tax-friendly states, and it doesn’t have a state income tax.
States That Take the Most and Least Out of a $100K Paycheck
For people making $100,000, here are the states that deduct the most in taxes:
1. Oregon
2. Maryland
3. New York
4. Hawaii
5. California
6. Kentucky
7. Idaho
8. South Carolina
9. Minnesota
10. Maine
For people making $100,000, the states that deduct the least in taxes:
1. Alaska
2. Florida
3. Nevada
4. New Hampshire
5. South Dakota
6. Tennessee
7. Texas
8. Washington
9. Wyoming
10. North Dakota
More From GOBankingRates
Methodology: GOBankingRates identified how much Americans would take home in every state using Smart Asset’s paycheck calculator. To satisfy the “every state” angle, we choose the top two cities in each state, since the calculator forces you to pick a city (not a state) as a location. For states where there was a difference in taxes between the top two cities, we calculated the average take-home pay. Data is accurate as of Feb 18, 2019, and is subject to change.
This article originally appeared on GOBankingRates.com: How Much You Really Take Home From a $100K Salary in Every State