- Nine states have no broad individual income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. North Dakota also has $0 modeled liability at this salary because taxable income remains within its 0% bracket; North Dakota is not a no-income-tax state.
- Top 5 in this $60,000 model: Alaska ($50,390), Florida ($50,390), Nevada ($50,390), New Hampshire ($50,390), North Dakota ($50,390).
- Bottom 5: Delaware ($47,627), Massachusetts ($47,610), Illinois ($47,565), Hawaii ($47,360), Oregon ($45,714).
- Modeled state gap: $4,676 a year between the highest group and Oregon.
- Total modeled deduction rates: 16.0% in the highest group (federal income tax plus FICA) and 23.8% in Oregon.
Home › Average Take-Home Pay by State 2026
Average Take-Home Pay by State 2026
Using one versioned single-filer model across all 50 states, average take-home on a $60,000 salary is $48,644 a year. Results range from $45,714 in Oregon to $50,390 in the highest group — a $4,676 difference from modeled state deductions.
National average
$48,644/year take-home at $60,000 gross
Highest take-home
$50,390 — 10 states tied at this salary
Lowest take-home
$45,714 in Oregon
Modeled state gap
$4,676 a year
All 50 states ranked by take-home pay ($60,000 salary)
Click any column header to sort. Each state links to its detailed state paycheck calculator.
| Rank | State | Take-home / year | Monthly | State deductions | Total tax rate |
|---|---|---|---|---|---|
| 1 | Alaska | $50,390 | $4,199 | $0 | 16.0% |
| 2 | Florida | $50,390 | $4,199 | $0 | 16.0% |
| 3 | Nevada | $50,390 | $4,199 | $0 | 16.0% |
| 4 | New Hampshire | $50,390 | $4,199 | $0 | 16.0% |
| 5 | North Dakota | $50,390 | $4,199 | $0 | 16.0% |
| 6 | South Dakota | $50,390 | $4,199 | $0 | 16.0% |
| 7 | Tennessee | $50,390 | $4,199 | $0 | 16.0% |
| 8 | Texas | $50,390 | $4,199 | $0 | 16.0% |
| 9 | Washington | $50,390 | $4,199 | $0 | 16.0% |
| 10 | Wyoming | $50,390 | $4,199 | $0 | 16.0% |
| 11 | Ohio | $49,456 | $4,121 | $934 | 17.6% |
| 12 | Arizona | $49,284 | $4,107 | $1,106 | 17.9% |
| 13 | Louisiana | $48,976 | $4,081 | $1,414 | 18.4% |
| 14 | Vermont | $48,814 | $4,068 | $1,576 | 18.6% |
| 15 | Rhode Island | $48,757 | $4,063 | $1,633 | 18.7% |
| 16 | New Mexico | $48,736 | $4,061 | $1,654 | 18.8% |
| 17 | Mississippi | $48,722 | $4,060 | $1,668 | 18.8% |
| 18 | Utah | $48,656 | $4,055 | $1,734 | 18.9% |
| 19 | Indiana | $48,649 | $4,054 | $1,741 | 18.9% |
| 20 | New Jersey | $48,568 | $4,047 | $1,823 | 19.1% |
| 21 | Pennsylvania | $48,548 | $4,046 | $1,842 | 19.1% |
| 22 | Wisconsin | $48,531 | $4,044 | $1,859 | 19.1% |
| 23 | West Virginia | $48,524 | $4,044 | $1,866 | 19.1% |
| 24 | Missouri | $48,507 | $4,042 | $1,883 | 19.2% |
| 25 | North Carolina | $48,505 | $4,042 | $1,885 | 19.2% |
| 26 | Colorado | $48,458 | $4,038 | $1,932 | 19.2% |
| 27 | Kentucky | $48,404 | $4,034 | $1,986 | 19.3% |
| 28 | Nebraska | $48,364 | $4,030 | $2,026 | 19.4% |
| 29 | Montana | $48,327 | $4,027 | $2,063 | 19.5% |
| 30 | Oklahoma | $48,236 | $4,020 | $2,155 | 19.6% |
| 31 | Arkansas | $48,234 | $4,019 | $2,156 | 19.6% |
| 32 | Idaho | $48,177 | $4,015 | $2,213 | 19.7% |
| 33 | Georgia | $48,145 | $4,012 | $2,246 | 19.8% |
| 34 | Iowa | $48,110 | $4,009 | $2,280 | 19.8% |
| 35 | Michigan | $48,053 | $4,004 | $2,338 | 19.9% |
| 36 | California | $48,037 | $4,003 | $2,353 | 19.9% |
| 37 | Maine | $48,018 | $4,001 | $2,372 | 20.0% |
| 38 | South Carolina | $47,947 | $3,996 | $2,443 | 20.1% |
| 39 | Maryland | $47,904 | $3,992 | $2,486 | 20.2% |
| 40 | Alabama | $47,881 | $3,990 | $2,509 | 20.2% |
| 41 | Kansas | $47,842 | $3,987 | $2,548 | 20.3% |
| 42 | Connecticut | $47,840 | $3,987 | $2,550 | 20.3% |
| 43 | Minnesota | $47,833 | $3,986 | $2,557 | 20.3% |
| 44 | Virginia | $47,701 | $3,975 | $2,689 | 20.5% |
| 45 | New York | $47,695 | $3,975 | $2,695 | 20.5% |
| 46 | Delaware | $47,627 | $3,969 | $2,763 | 20.6% |
| 47 | Massachusetts | $47,610 | $3,968 | $2,780 | 20.6% |
| 48 | Illinois | $47,565 | $3,964 | $2,825 | 20.7% |
| 49 | Hawaii | $47,360 | $3,947 | $3,030 | 21.1% |
| 50 | Oregon | $45,714 | $3,809 | $4,676 | 23.8% |
For the full country-by-country comparison (US, UK, Ireland, Germany, Netherlands), see the 2026 Take-Home Pay Index dataset.
Key findings
Methodology
Every figure in this study uses FreeKalc US rules version 2026.10.14 for a standard single filer earning $60,000 in 2026:
- Federal income tax: official 2026 IRS brackets and the $16,100 single standard deduction.
- FICA: 6.2% Social Security plus 1.45% Medicare; the Social Security wage cap and Additional Medicare thresholds are not reached at $60,000.
- State deductions: the same versioned state functions used by the interactive paycheck calculator and every linked state page.
- Excluded: local and city income taxes, benefits, itemized deductions, person-specific credits and household circumstances.
Annual tax is calculated before independently rounding displayed yearly and monthly values. Material state assumptions link to primary sources on the state pages. Dataset updated October 14, 2026 and published under CC BY 4.0.
Questions about take-home pay by state
What is the average take-home pay in the US in 2026?
Across these 50 standard single-filer estimates, average take-home on a $60,000 salary is $48,644 a year. The average modeled deduction rate is about 18.9%.
Which state has the highest take-home pay in 2026?
The highest modeled amount is $50,390. Nine no-wage-tax states reach that figure, and North Dakota ties at this salary because its modeled taxable income remains in a 0% bracket.
Which state has the lowest take-home pay in 2026?
Oregon is lowest in this model at $45,714 a year, $4,676 below the highest group.
How large is the modeled state difference?
The range is $4,676 a year, or about 9.3% of the highest take-home result. This comparison excludes local taxes and individual credits.
Does this study include local or city income taxes?
No. Local wage or occupational taxes can apply in some cities and counties, so actual withholding can differ from these state-level estimates.
Sources: IRS 2026 federal brackets and standard deduction; state primary sources linked on the detailed calculator pages. Rules version 2026.10.14; rechecked October 14, 2026. See the methodology and correction history.