New Jersey income tax in 2026
New Jersey has a progressive income tax: higher slices of income are taxed at higher rates. Single filers subtract $1,000 in deductions and exemptions first ($2,000 for married couples).
| Rate | Taxable income (single) | Your tax |
|---|---|---|
| 1.4% | $0 – $20,000 | $280 |
| 1.75% | $20,000 – $35,000 | $263 |
| 3.5% | $35,000 – $40,000 | $175 |
| 5.525% | $40,000 – $75,000 | $1,050 |
| 6.37% | $75,000 – $500,000 | — |
| 8.97% | $500,000 – $1,000,000 | — |
| 10.75% | $1,000,000 and up | — |
What to know about taxes in New Jersey
New Jersey has a steeply progressive income tax, from 1.4% up to 10.75% on income above $1 million. There is no standard deduction, only small personal exemptions.
- Employees pay into state disability (TDI) and family leave (FLI) insurance.
- Newark charges employers a payroll tax, and property taxes are the highest in the country.
Largest cities: Newark, Jersey City, Paterson, Elizabeth.
Take-home pay in New Jersey by salary
What common salaries look like after taxes in New Jersey for a single filer.
| Salary | Take-home / year | Per month | Bi-weekly | Tax rate |
|---|---|---|---|---|
| $30,000 | $25,594 | $2,133 | $984 | 14.7% |
| $40,000 | $33,300 | $2,775 | $1,281 | 16.8% |
| $50,000 | $40,740 | $3,395 | $1,567 | 18.5% |
| $60,000 | $48,180 | $4,015 | $1,853 | 19.7% |
| $70,000 | $55,271 | $4,606 | $2,126 | 21.0% |
| $80,000 | $61,678 | $5,140 | $2,372 | 22.9% |
| $90,000 | $68,034 | $5,669 | $2,617 | 24.4% |
| $100,000 | $74,390 | $6,199 | $2,861 | 25.6% |
| $120,000 | $87,102 | $7,258 | $3,350 | 27.4% |
| $150,000 | $105,606 | $8,800 | $4,062 | 29.6% |
| $200,000 | $137,468 | $11,456 | $5,287 | 31.3% |
Where your taxes go
- Take-home pay$48,18080.3%
- Federal income tax$5,0208.4%
- Social Security$3,7206.2%
- Medicare$8701.5%
- New Jersey income tax$1,7672.9%
- State payroll (SDI/PFML)$4420.7%
- Federal income tax ($5,020). Charged on $43,900 of taxable income after the standard deduction, with a top rate of 12% on your last dollar.
- Social Security ($3,720). This 6.2% payroll tax builds your future Social Security retirement benefit.
- Medicare ($870). 1.45% of all wages, plus 0.9% on wages above $200,000 for single filers.
- New Jersey income tax ($1,767). Charged on $59,000 after state deductions, marginal rate 5.525%.
- State payroll contributions ($442). Disability insurance or paid family leave withheld from your paycheck.
How New Jersey compares with other states
New Jersey ranks #31 of 51 for take-home pay on $60,000. The gap between the best state (Florida) and the worst (Oregon) is $4,401 a year.
Top 5, your state and bottom 5. Single filer, no pre-tax contributions.
How a 401(k) changes your paycheck
See how much of your paycheck a 401(k) really costs. Pre-tax contributions reduce federal and state income tax, but not Social Security or Medicare.
| Contribution | Saved per year | Take-home pay | Per month | Income tax saved |
|---|---|---|---|---|
| None | $0 | $48,180 | $4,015 | — |
| 3% | $1,800 | $46,696 | $3,891 | $315 |
| 6% | $3,600 | $45,211 | $3,768 | $631 |
| 10% | $6,000 | $43,232 | $3,603 | $1,052 |
| 15% | $9,000 | $40,758 | $3,396 | $1,577 |
Single vs married filing jointly
Marriage changes the math: a couple filing jointly gets twice the standard deduction and brackets twice as wide as a single filer.
| Single | Married, one income | |
|---|---|---|
| Federal income tax | $5,020 | $2,840 |
| State income tax | $1,767 | $1,001 |
| Social Security + Medicare | $4,590 | $4,590 |
| Take-home pay | $48,180 | $51,127 |
Filing jointly would add $2,946 a year ($246 a month) to this household's take-home pay.
What this salary buys you
The 50/30/20 rule splits your monthly take-home pay of $4,015 into three buckets.
- $60,000 is 59% of the median household income in New Jersey ($101,050).
- With the 30% rule, a comfortable rent is up to $1,500 per month.
- That is 1.8 times the New Jersey minimum wage of $15.92/hour.
Frequently asked questions
Does New Jersey have a state income tax?
Yes. New Jersey income tax rates range from 1.4% – 10.75% in 2026, depending on taxable income.
What is the income tax rate in New Jersey?
New Jersey income tax rates range from 1.4% – 10.75% in 2026, depending on taxable income.
How much is $60,000 after tax in New Jersey?
A single filer earning $60,000 takes home about $48,180 a year, or $4,015 per month.
What is the minimum wage in New Jersey?
The minimum wage in New Jersey is about $15.92 per hour.
How is my New Jersey paycheck calculated?
We subtract federal income tax, Social Security (6.2%), Medicare (1.45%) and New Jersey income tax, plus state payroll contributions, from your gross pay.
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.