Take-Home Pay on a $100,000 Salary in Every US State (2026)

The short version

Your state changes your take-home pay by at most a few thousand dollars on a $100,000 salary. Here is where the extremes sit:

• 9 jurisdictions charge no income tax on wages (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming). A single filer on $100,000 keeps $79,180 in each of them.
• Among states that do tax wages, the lightest bills at this salary are in North Dakota ($78,489), Arizona ($77,074) and Ohio ($76,867).
• The lowest take-home pay is in Oregon ($72,003), Hawaii ($73,110), District of Columbia ($73,649), Minnesota ($73,903) and Delaware ($73,921).
• The gap between the best and worst state is $7,177 a year on $100,000. Federal income tax ($13,170) and FICA ($7,650) are identical everywhere; only state income tax differs.

Why the gap between states is smaller than people expect

Federal income tax and FICA do not depend on where you live: a single filer on $100,000 pays the same federal tax and the same FICA in Texas as in California. The only part that changes from state to state is the state income tax, which is why the ranking below is driven entirely by that one line.

That is also why states that look very different on paper (a flat 3% and a graduated 9% top rate, say) can be closer than expected at a middle income. Top rates apply only to the highest slice of income, and many states let you deduct a standard amount or claim a personal exemption first, so the rate that matters at $100,000 is usually well below the headline top rate.

The full ranking

Take-home pay for a single filer on $100,000 in 2026, after federal tax, state income tax and FICA. Tied states are listed alphabetically.

No income tax does not mean no tax

States without an income tax on wages still need revenue, and they get it from other places: sales tax, property tax, and various fees and excise taxes. A ranking that looks only at income tax can therefore flatter these states.

Washington is a good example of how this changes over time. It has no tax on wages today, but it taxes capital gains, and in 2026 it enacted a 9.9% tax on income above $1 million that is scheduled to start in 2028 (a ballot measure to repeal it has been proposed for November 2026). That does not affect a $100,000 salary, but it shows why a state's label can change.

What this ranking leaves out

It is a like-for-like comparison of one situation, not a complete cost-of-living verdict. Several things can move your real take-home pay by more than the gap between neighbouring states:

• Local income taxes, such as New York City, Philadelphia and county taxes in Maryland, Ohio, Pennsylvania and other states.
• State payroll taxes, for example California's State Disability Insurance and family-leave programs in several states.
• Sales tax, property tax, housing costs and everything else that makes a dollar go further or less far.
• Filing status: married couples, heads of household and people with dependents get different deductions and credits.
• Deductions and credits you might claim, such as a 401(k) or HSA contribution, which can lower your state tax as well as your federal tax.

Get the number for your own situation

Open the calculator, choose your state, and enter your salary, bonus and filing status. You will see federal tax, state tax, FICA and your take-home pay, plus how much a 401(k) or IRA contribution would save. Each state also has its own page with brackets, deductions and salary examples.

How we keep these figures accurate

State rules change often, sometimes mid-year and retroactively. Where we could reach a state's own revenue department or statute we checked our data against it, and each state page says which figures were confirmed and which are less firmly verified. Our methodology page lists every source. If you spot a figure that looks wrong, send us the state and a link to the official source and we will correct it.