US state income tax varies dramatically — from 0% in states like Texas, Florida, and Washington to 13.3% in California. In 2026, 9 states have no state income tax, several states use a flat tax rate, and the majority use graduated brackets similar to the federal system. Your total tax bill depends on both federal rates (10%–37%) and your state's tax system. This hub lets you compare state income tax rates and estimate your take-home pay in any US state.
2025 federal + simplified state + FICA — updates as you type.
State: Texas (pre-selected; change the dropdown for other states)
Select any state to compare — state tax in this tool is a simplified model; confirm with state DOR or a tax professional.
Not applied in this simplified model (no credits). For illustration only.
State tax uses a flat effective rate on taxable income — not your actual state brackets. FICA: Social Security 6.2% on wages up to $176,100 and Medicare 1.45% on all wages shown.
SS $4,650.00 · Medicare $1,087.50
Federal 22.00% + state 0.00%
Estimated take-home
$61,149 / yr
$5,096 / month
Federal brackets (2025 · Single)
| State | Income Tax | Notes |
|---|---|---|
| Alaska | 0% | No state income or sales tax |
| Florida | 0% | Relies on sales tax and tourism |
| Nevada | 0% | Relies on gaming/sales tax |
| New Hampshire | 0% | No wage income tax (interest/dividends taxed) |
| South Dakota | 0% | No income tax |
| Tennessee | 0% | No wage income tax |
| Texas | 0% | High property taxes offset |
| Washington | 0% | 7% capital gains tax on gains over $250K |
| Wyoming | 0% | No income tax |
| State | Flat Rate | Notes |
|---|---|---|
| Arizona | 2.5% | Recently moved to flat tax |
| Colorado | 4.40% | Low flat rate |
| Georgia | 5.49% | Moved to flat rate 2024 |
| Illinois | 4.95% | Constitutionally required flat tax |
| Indiana | 3.05% | Low flat rate |
| Kentucky | 4.0% | Flat rate |
| Michigan | 4.25% | Flat rate |
| Mississippi | 4.7% | Moving toward lower flat rate |
| North Carolina | 4.5% | Declining flat rate |
| Pennsylvania | 3.07% | Lowest flat rate |
| Utah | 4.55% | Flat rate |
| State | Top Rate | Notes |
|---|---|---|
| California | 13.3% | Highest in US |
| Hawaii | 11.0% | High top rate |
| New Jersey | 10.75% | High top rate |
| Oregon | 9.9% | High top rate |
| Minnesota | 9.85% | High top rate |
| New York | 10.9% | Plus NYC local up to 3.876% |
| Vermont | 8.75% | High top rate |
| Iowa | 8.53% | Reducing over time |
The most commonly searched US state tax comparisons are California vs Texas (no income tax), New York vs Florida (no income tax), and California vs Nevada. At $100,000 income, a California resident pays approximately $6,000–$9,000 in state income tax, while a Texas or Florida resident pays $0. Over a 10-year career, this difference can exceed $60,000–$90,000 in cumulative state tax savings.
Nine states have no state income tax in 2026: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Among states with income tax, Arizona (2.5%) and Pennsylvania (3.07%) have the lowest flat rates.
California has the highest state income tax rate in 2026 at 13.3% on income over $1 million. Hawaii (11%), New Jersey (10.75%), Oregon (9.9%), and New York (10.9%) also rank among the highest. NYC residents pay an additional local tax of up to 3.876% on top of the state rate.
At $100,000 income, a California resident pays approximately $6,000–$9,000 in state income tax. A Texas resident pays $0 in state income tax. Over a 30-year career at that income level, the cumulative difference can exceed $180,000–$270,000 in state taxes alone.
A flat tax state charges the same percentage rate on all income levels, regardless of how much you earn. Examples include Illinois (4.95%), Pennsylvania (3.07%), Colorado (4.40%), and Georgia (5.49%). Flat tax states are simpler to calculate but may be less progressive than graduated bracket states.
Generally, you pay income tax in the state where you physically perform the work. If you work remotely from Texas for a California employer, you typically owe Texas tax (0%) not California tax — though some states have specific rules for remote workers. Consult a tax professional for your specific situation.
No-income-tax states are best for high earners: Texas, Florida, Nevada, Washington, and Wyoming are most popular for relocation. Among states with income tax, Arizona (2.5%), North Carolina (4.5%), and Colorado (4.40%) offer relatively low flat rates for higher incomes.
Educational estimates only. Not tax advice.