Federal tax is the same everywhere
On a $75,000 single-filer salary with the $16,100 standard deduction, 2026 federal income tax and FICA are identical in all 50 states. The spread in net pay comes almost entirely from state income tax — and in some states, from what is excluded rather than charged.
The nine no-income-tax states
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming levy no tax on wage income in 2026 — 9 jurisdictions in all. A single filer earning $75,000 keeps roughly $4,000–4,500 more per year than the same earner in a mid-rate graduated state. New Hampshire and Washington tax investment income, not wages.
What changed for 2026
Several states cut or flattened rates effective for 2026: North Carolina 3.99%, Ohio 2.75% above $26,050, Kentucky 3.5%, Indiana 2.95%, Mississippi 4.0% above $10,000. Bracket thresholds elsewhere rose with inflation. If you compared states a year ago, refresh the numbers — the ranking moved.
- Flat-rate states: one rate on all taxable income (IL, IN, KY, MI, NC, OH, PA, UT…)
- Graduated states: CA, NY, NJ and others top out in the 9–13% range
- No-tax states: highest net, but often higher property or sales taxes elsewhere
The local-tax caveat
State-level comparison is not the whole picture: NYC and Yonkers residents pay city income tax, Ohio school districts and Pennsylvania locals add wage taxes, and Maryland counties levy income surcharges. A "high-tax state" label can invert for a specific metro. Always run the specific state — and, where relevant, the locality — through the same calculator before accepting a number.
Frequently asked questions
Which state has the highest take-home pay in 2026?
On wages alone, the 9 no-income-tax states tie for the top. Florida, Texas and Nevada are the most common for high earners; the full net depends on federal tax, which is identical across states.
Do state rate cuts apply mid-year?
Most 2026 rate cuts (NC, OH, KY, IN, MS) apply to the full tax year, so withholding tables already reflect them. Your check should show the new rate from January 2026.
Run your own numbers
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