Guide · United States · 2026

Best States for Take-Home Pay

The nine states without income tax on wages top every ranking. After them, the order changes with income: some states are gentle on middle incomes but steep at the top. On $100,000, you keep $7,855 more a year in the best state than in Oregon.

Best on $100k$79,180no-tax states
Worst on $100k$71,325Oregon
Gap on $50k$3,561per year
Gap on $200k$19,062per year
Your take-home pay
$50,390/ year
Monthly$4,199
Bi-weekly$1,938
Tax rate16.0%
  • Take-home pay $50,390
  • Federal income tax $5,020
  • Social Security $3,720
  • Medicare $870

Take-home pay on $100,000 after the no-tax states

Positions 9 to 16 and the 8 lowest states, single filer:

North Dakota
$78,511
Washington
$77,793
Arizona
$77,083
Ohio
$76,872
Louisiana
$76,566
Pennsylvania
$76,040
Iowa
$76,032
Arkansas
$75,968
New York
$73,877
District of Columbia
$73,555
Delaware
$73,521
Minnesota
$73,463
Hawaii
$72,994
California
$72,825
Maryland
$71,994
Oregon
$71,325

All states ranked by take-home pay

Sorted by take-home pay on $100,000. Single filer, standard deduction, no pre-tax contributions.

StateOn $50,000On $100,000On $200,000
Florida$42,355$79,180$148,927
Nevada$42,355$79,180$148,927
New Hampshire$42,355$79,180$148,927
South Dakota$42,355$79,180$148,927
Tennessee$42,355$79,180$148,927
Texas$42,355$79,180$148,927
Wyoming$42,355$79,180$148,927
Alaska$42,105$78,909$148,656
North Dakota$42,355$78,511$146,308
Washington$41,662$77,793$146,278
Arizona$41,508$77,083$144,330
Ohio$41,422$76,872$143,869
Louisiana$41,241$76,566$143,313
Pennsylvania$40,785$76,040$142,647
Iowa$41,107$76,032$141,979
Arkansas$40,993$75,968$142,015
Mississippi$41,087$75,912$141,659
Kentucky$40,723$75,798$142,045
North Carolina$40,869$75,699$141,456
New Mexico$41,171$75,611$140,458
Missouri$40,987$75,510$140,464
Nebraska$40,960$75,510$140,707
West Virginia$40,911$75,489$140,656
Oklahoma$40,651$75,226$140,473
Michigan$40,481$75,181$140,678
Alabama$40,286$75,079$141,004
Colorado$40,643$75,048$140,024
Vermont$41,114$75,040$137,514
Idaho$40,813$74,988$139,435
Georgia$40,609$74,939$139,696
South Carolina$41,355$74,936$139,473
Rhode Island$40,547$74,932$139,929
Montana$40,762$74,891$138,988
Wisconsin$40,778$74,752$138,931
Utah$40,683$74,730$140,027
Indiana$40,077$74,577$139,674
Kansas$40,365$74,400$138,567
New Jersey$40,740$74,390$137,468
Illinois$40,025$74,375$139,172
Virginia$40,294$74,244$138,241
Maine$40,658$74,051$136,648
Massachusetts$39,845$73,940$138,298
Connecticut$40,105$73,930$137,255
New York$40,005$73,877$137,724
District of Columbia$40,455$73,555$134,802
Delaware$40,057$73,521$136,330
Minnesota$40,258$73,463$135,248
Hawaii$40,080$72,994$134,888
California$40,665$72,825$131,972
Maryland$39,044$71,994$133,478
Oregon$38,794$71,325$129,865

Why the ranking changes with income

Flat-tax states charge the same rate at every income, so they look relatively better for high earners. Progressive states with low bottom rates, like several in the Midwest and South, are relatively kinder to middle incomes.

Payroll programs matter too: California, New York, New Jersey and Washington withhold disability or paid leave contributions that do not show up in income tax rates.

Take-home pay is not the whole picture

A higher paycheck can be eaten up by housing costs. Before relocating, compare rents or home prices, sales taxes and property taxes. Salaries also differ by state: many employers pay more in high-tax, high-cost areas.

Best states among those with an income tax

If a no-tax state is not an option, these states leave the most take-home pay:

SalaryTop 5 states with an income tax
$50,000North Dakota ($42,355), Arizona ($41,508), Ohio ($41,422), South Carolina ($41,355), Louisiana ($41,241)
$100,000North Dakota ($78,511), Arizona ($77,083), Ohio ($76,872), Louisiana ($76,566), Pennsylvania ($76,040)
$200,000North Dakota ($146,308), Arizona ($144,330), Ohio ($143,869), Louisiana ($143,313), Pennsylvania ($142,647)

Couples and families

Married couples filing jointly benefit from wider brackets in most states, so the gaps shrink for a single-income household. Two earners are taxed on their combined income, which can push part of it into higher state brackets.

Frequently asked questions

Which state has the highest take-home pay?

The nine states without income tax on wages tie at the top: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas and Wyoming, with Washington just behind because of payroll contributions.

Which state has the lowest take-home pay on $100,000?

Oregon, with $71,325.

Is it worth moving for lower taxes?

It can add thousands of dollars a year, but compare housing and living costs, and the salary you can earn in each state.

Which state with an income tax is best on $100,000?

North Dakota ($78,511) tops the list among states that tax wages.

How we calculate

Figures use 2026 IRS federal brackets, the standard deduction, Social Security and Medicare rates, and each state's income tax rules for a W-2 employee. Read our methodology. Last updated September 25, 2026. Estimates for information only, not tax advice.