U.S. Take-Home Pay by State
How much of a salary you actually keep depends heavily on your state. Every figure below is computed live from the 2026 federal and state tax schedules for a single filer taking the standard deduction, not estimated.
- $75,733
- average $100K take-home (2026)
- $79,180
- most kept (no-tax states)
- $71,004
- least kept (Oregon)
- 9
- states with no wage income tax
The 2026 picture
Federal income tax and FICA are the same in every state, so your state decides how much of a salary you keep. On a $100,000 salary the gap is about $8,176, and it widens with income: roughly $3,801 at $50K and $17,755 at $200K.
2026 figures from IRS Rev. Proc. 2025-32, the SSA wage base, and state Department of Revenue schedules. Single filer, standard deduction.
Where a $100K salary keeps the least
Take-home pay on a $100,000 salary in the ten states with the highest combined tax bite, 2026. Federal tax and FICA are identical everywhere; the difference shown here is state income tax.
Cite this page
These statistics are free to quote and link with attribution. Suggested citation:
PlainSalary, "U.S. Take-Home Pay by State," 2026 tax-year computation. https://plainsalary.com/statistics/
Figures are computed from official public schedules: the IRS 2026 brackets (Rev. Proc. 2025-32), the SSA wage base, and each state's Department of Revenue.
Reading these numbers: take-home assumes a single filer taking the standard deduction, so married filers, itemizers, and high earners with other income will see different totals. The state gap matters most at higher incomes, where state brackets bite hardest, and it is one input among many (cost of living, housing, and local taxes can outweigh income-tax savings). Figures use 2026 schedules and are not tax advice.