$TakeHomeUSA
Interactive Tool · 2026 Brackets

State Income Tax Comparison

Pick up to 3 states and see exactly how your take-home pay changes. Perfect for relocation decisions.

★ = no state income tax

Take-Home at Salary:

$
TexasNo state tax
$79,180/yr$6,598/mo
79.2% kept
Fed: $13,170FICA: $7,650Effective: 20.8%
California
$72,721/yr$6,060/mo
72.7% kept
Fed: $13,170FICA: $7,650State: $6,459Effective: 27.3%
New York
$74,228/yr$6,186/mo
74.2% kept
Fed: $13,170FICA: $7,650State: $4,952Effective: 25.8%

At $100,000 salary: +$6,459/yr Texas more than California. +$4,952/yr Texas more than New York.

Full Take-Home Comparison — All Salary Levels

2026 · Single · Standard deduction

Gross SalaryTexasCaliforniaNew York
$50,000

$42,355

15.3% eff.

$40,540

18.9% eff.

$40,328

19.3% eff.

$75,000

$61,593

17.9% eff.

$57,723

23.0% eff.

$58,103

22.5% eff.

$100,000Selected

$79,180

20.8% eff.

$72,721

27.3% eff.

$74,228

25.8% eff.

$125,000

$96,704

22.6% eff.

$87,645

29.9% eff.

$90,289

27.8% eff.

$150,000

$113,791

24.1% eff.

$102,132

31.9% eff.

$105,914

29.4% eff.

$200,000

$148,927

25.5% eff.

$132,068

34.0% eff.

$138,003

31.0% eff.

Detailed Breakdown at $100,000

Texas

Gross Salary$100,000
Federal Income Tax−$13,170
Social Security−$6,200
Medicare−$1,450
Texas State Tax$0
Total Tax−$20,820
Take-Home Pay$79,180
Effective Rate20.8%
Marginal Rate22.0%
Monthly Take-Home$6,598

California

Gross Salary$100,000
Federal Income Tax−$13,170
Social Security−$6,200
Medicare−$1,450
California State Tax−$6,459
Total Tax−$27,279
Take-Home Pay$72,721
Effective Rate27.3%
Marginal Rate22.0%
Monthly Take-Home$6,060

New York

Gross Salary$100,000
Federal Income Tax−$13,170
Social Security−$6,200
Medicare−$1,450
New York State Tax−$4,952
Total Tax−$25,772
Take-Home Pay$74,228
Effective Rate25.8%
Marginal Rate22.0%
Monthly Take-Home$6,186

Frequently Asked Questions

Which US state has the lowest income tax?

Nine states have no state income tax at all: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Of states with income tax, North Dakota (2.5% flat) and Arizona (2.5% flat) have among the lowest rates.

How much more do you keep in Texas vs California?

On a $100,000 salary, Texas residents keep approximately $7,420 more per year than California residents. On $200,000, the gap widens to roughly $18,000+. The exact difference depends on your specific income and deductions.

Is it worth relocating to a no-tax state?

The tax savings can be substantial — $5,000–$20,000+ per year for high earners. However, factor in cost of living differences (housing is typically higher in no-tax states like Texas), and any other state-specific taxes (e.g., Washington has no income tax but has high sales and property taxes).

Does this comparison include all taxes?

The comparison includes federal income tax, FICA (Social Security and Medicare), and state income tax. It does not include sales tax, property tax, estate tax, or local/city income taxes, which vary widely.