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How Much You Really Take Home From a $100K Salary in Every State

Gabrielle Olya

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.

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.

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 percent to 4.54 percent. 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.

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 percent 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 percent. 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 percent.

Delaware

Take-home salary: $67,231
Cities evaluated: Dover and Wilmington

Despite income taxes as high as 6.6 percent, 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 percent 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 percent 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 percent, 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 percent, but some counties impose their own income taxes on top of it. The state has a sales tax of 7 percent, 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 percent. 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 percent. 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 percent.

Louisiana

Take-home salary: $68,997
City evaluated: New Orleans

State income taxes of 6 percent 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 percent — 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 percent, while county income taxes range from 1.75 to 3.2 percent.

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 percent, as well as a flat 5.1 percent property tax and a flat 6.25 percent sales tax.

Michigan

Take-home salary: $67,125
Cities evaluated: Detroit and Grand Rapids

Michigan has a flat income tax rate of 4.25 percent 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 percent. 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 percent. 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 percent. 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 percent 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 percent. 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 percent 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 percent 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 percent.

North Carolina

Take-home salary: $67,827
City evaluated: Charlotte

North Carolina has a flat income tax rate of 5.49 percent. 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 percent 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 percent. 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 percent. 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 percent. Even those individual filers who make at least $8,450 pay 9 percent 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 percent. 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 percent. 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 percent rate for the 2018 tax year. However, the state has one of the highest sales taxes in the country.

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 percent. 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 percent. 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 percent. 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 percent. 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 on Wealth

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.

This article originally appeared on GOBankingRates.com: How Much You Really Take Home From a $100K Salary in Every State