Paycheck calculator › Take-home pay by state › $40,000 salary
$40,000 salary: take-home pay by state (2026)
On a $40,000 salary a single filer keeps $34,320 in Alaska and $31,599 in Oregon — a gap of $2,721 a year ($227 a month) from state taxes alone. Federal tax and FICA are identical everywhere ($5,680, 14.2% of pay); the nine states without a wage tax tie for first, and North Dakota is the best of the states that do tax wages ($0 in state tax).
Single filer, ranked by take-home pay
| # | State | Take-home / year | Per month | State tax | All taxes | Effective rate | vs best |
|---|---|---|---|---|---|---|---|
| 1 | Alaska | $34,320 | $2,860 | $0 | $5,680 | 14.2% | — |
| 2 | Florida | $34,320 | $2,860 | $0 | $5,680 | 14.2% | — |
| 3 | Nevada | $34,320 | $2,860 | $0 | $5,680 | 14.2% | — |
| 4 | New Hampshire | $34,320 | $2,860 | $0 | $5,680 | 14.2% | — |
| 5 | North Dakota | $34,320 | $2,860 | $0 | $5,680 | 14.2% | — |
| 6 | South Dakota | $34,320 | $2,860 | $0 | $5,680 | 14.2% | — |
| 7 | Tennessee | $34,320 | $2,860 | $0 | $5,680 | 14.2% | — |
| 8 | Texas | $34,320 | $2,860 | $0 | $5,680 | 14.2% | — |
| 9 | Wyoming | $34,320 | $2,860 | $0 | $5,680 | 14.2% | — |
| 10 | Ohio | $34,002 | $2,834 | $318 | $5,998 | 15.0% | −$318 |
| 11 | Washington | $33,765 | $2,814 | $555 | $6,235 | 15.6% | −$555 |
| 12 | Arizona | $33,722 | $2,810 | $598 | $6,278 | 15.7% | −$598 |
| 13 | New Mexico | $33,567 | $2,797 | $753 | $6,433 | 16.1% | −$753 |
| 14 | South Carolina | $33,542 | $2,795 | $778 | $6,458 | 16.1% | −$778 |
| 15 | Louisiana | $33,506 | $2,792 | $814 | $6,494 | 16.2% | −$814 |
| 16 | Mississippi | $33,452 | $2,788 | $868 | $6,548 | 16.4% | −$868 |
| 17 | Iowa | $33,452 | $2,788 | $868 | $6,548 | 16.4% | −$868 |
| 18 | Vermont | $33,414 | $2,784 | $906 | $6,586 | 16.5% | −$906 |
| 19 | Missouri | $33,408 | $2,784 | $912 | $6,592 | 16.5% | −$912 |
| 20 | Nebraska | $33,380 | $2,782 | $940 | $6,620 | 16.6% | −$940 |
| 21 | Utah | $33,351 | $2,779 | $969 | $6,649 | 16.6% | −$969 |
| 22 | Idaho | $33,308 | $2,776 | $1,012 | $6,692 | 16.7% | −$1,012 |
| 23 | New Jersey | $33,300 | $2,775 | $1,020 | $6,700 | 16.8% | −$1,020 |
| 24 | West Virginia | $33,277 | $2,773 | $1,043 | $6,723 | 16.8% | −$1,043 |
| 25 | Maine | $33,241 | $2,770 | $1,079 | $6,759 | 16.9% | −$1,079 |
| 26 | Wisconsin | $33,236 | $2,770 | $1,084 | $6,764 | 16.9% | −$1,084 |
| 27 | North Carolina | $33,233 | $2,769 | $1,087 | $6,767 | 16.9% | −$1,087 |
| 28 | California | $33,217 | $2,768 | $1,103 | $6,783 | 17.0% | −$1,103 |
| 29 | Montana | $33,197 | $2,766 | $1,123 | $6,803 | 17.0% | −$1,123 |
| 30 | Indiana | $33,170 | $2,764 | $1,150 | $6,830 | 17.1% | −$1,150 |
| 31 | Colorado | $33,088 | $2,757 | $1,232 | $6,912 | 17.3% | −$1,232 |
| 32 | District of Columbia | $33,086 | $2,757 | $1,234 | $6,914 | 17.3% | −$1,234 |
| 33 | Georgia | $33,072 | $2,756 | $1,248 | $6,928 | 17.3% | −$1,248 |
| 34 | Oklahoma | $33,066 | $2,755 | $1,254 | $6,934 | 17.3% | −$1,254 |
| 35 | Pennsylvania | $33,064 | $2,755 | $1,256 | $6,936 | 17.3% | −$1,256 |
| 36 | Kentucky | $33,038 | $2,753 | $1,282 | $6,962 | 17.4% | −$1,282 |
| 37 | Arkansas | $32,973 | $2,748 | $1,347 | $7,027 | 17.6% | −$1,347 |
| 38 | Rhode Island | $32,917 | $2,743 | $1,403 | $7,083 | 17.7% | −$1,403 |
| 39 | Kansas | $32,888 | $2,741 | $1,432 | $7,112 | 17.8% | −$1,432 |
| 40 | Michigan | $32,871 | $2,739 | $1,449 | $7,129 | 17.8% | −$1,449 |
| 41 | Virginia | $32,834 | $2,736 | $1,486 | $7,166 | 17.9% | −$1,486 |
| 42 | Minnesota | $32,823 | $2,735 | $1,497 | $7,177 | 17.9% | −$1,497 |
| 43 | Connecticut | $32,795 | $2,733 | $1,525 | $7,205 | 18.0% | −$1,525 |
| 44 | Maryland | $32,784 | $2,732 | $1,536 | $7,216 | 18.0% | −$1,536 |
| 45 | Delaware | $32,777 | $2,731 | $1,543 | $7,223 | 18.1% | −$1,543 |
| 46 | Alabama | $32,691 | $2,724 | $1,629 | $7,309 | 18.3% | −$1,629 |
| 47 | New York | $32,553 | $2,713 | $1,767 | $7,447 | 18.6% | −$1,767 |
| 48 | Hawaii | $32,550 | $2,712 | $1,770 | $7,450 | 18.6% | −$1,770 |
| 49 | Illinois | $32,485 | $2,707 | $1,835 | $7,515 | 18.8% | −$1,835 |
| 50 | Massachusetts | $32,456 | $2,705 | $1,864 | $7,544 | 18.9% | −$1,864 |
| 51 | Oregon | $31,599 | $2,633 | $2,721 | $8,401 | 21.0% | −$2,721 |
Married filing jointly (one earner)
| # | State | Take-home / year | Per month | State tax | All taxes | Effective rate | vs best |
|---|---|---|---|---|---|---|---|
| 1 | Alaska | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 2 | Florida | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 3 | Idaho | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 4 | Maine | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 5 | Nevada | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 6 | New Hampshire | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 7 | North Dakota | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 8 | South Dakota | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 9 | Tennessee | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 10 | Texas | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 11 | Utah | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 12 | Wyoming | $36,160 | $3,013 | $0 | $3,840 | 9.6% | — |
| 13 | New Mexico | $36,043 | $3,004 | $117 | $3,957 | 9.9% | −$117 |
| 14 | South Carolina | $36,035 | $3,003 | $125 | $3,965 | 9.9% | −$125 |
| 15 | Missouri | $35,977 | $2,998 | $183 | $4,023 | 10.1% | −$183 |
| 16 | Arizona | $35,965 | $2,997 | $195 | $4,035 | 10.1% | −$195 |
| 17 | Iowa | $35,944 | $2,995 | $216 | $4,056 | 10.1% | −$216 |
| 18 | District of Columbia | $35,848 | $2,987 | $312 | $4,152 | 10.4% | −$312 |
| 19 | Ohio | $35,842 | $2,987 | $318 | $4,158 | 10.4% | −$318 |
| 20 | Nebraska | $35,816 | $2,985 | $344 | $4,184 | 10.5% | −$344 |
| 21 | Montana | $35,793 | $2,983 | $367 | $4,207 | 10.5% | −$367 |
| 22 | Louisiana | $35,732 | $2,978 | $428 | $4,268 | 10.7% | −$428 |
| 23 | Vermont | $35,688 | $2,974 | $472 | $4,312 | 10.8% | −$472 |
| 24 | Georgia | $35,661 | $2,972 | $499 | $4,339 | 10.8% | −$499 |
| 25 | Connecticut | $35,640 | $2,970 | $520 | $4,360 | 10.9% | −$520 |
| 26 | Colorado | $35,637 | $2,970 | $523 | $4,363 | 10.9% | −$523 |
| 27 | Wisconsin | $35,636 | $2,970 | $524 | $4,364 | 10.9% | −$524 |
| 28 | Mississippi | $35,624 | $2,969 | $536 | $4,376 | 10.9% | −$536 |
| 29 | Washington | $35,605 | $2,967 | $555 | $4,395 | 11.0% | −$555 |
| 30 | California | $35,596 | $2,966 | $564 | $4,404 | 11.0% | −$564 |
| 31 | North Carolina | $35,581 | $2,965 | $579 | $4,419 | 11.0% | −$579 |
| 32 | Minnesota | $35,481 | $2,957 | $679 | $4,519 | 11.3% | −$679 |
| 33 | Kansas | $35,461 | $2,955 | $699 | $4,539 | 11.3% | −$699 |
| 34 | Oklahoma | $35,429 | $2,952 | $731 | $4,571 | 11.4% | −$731 |
| 35 | Hawaii | $35,378 | $2,948 | $782 | $4,622 | 11.6% | −$782 |
| 36 | Rhode Island | $35,374 | $2,948 | $786 | $4,626 | 11.6% | −$786 |
| 37 | Virginia | $35,231 | $2,936 | $929 | $4,769 | 11.9% | −$929 |
| 38 | New Jersey | $35,227 | $2,936 | $933 | $4,773 | 11.9% | −$933 |
| 39 | West Virginia | $35,180 | $2,932 | $980 | $4,820 | 12.1% | −$980 |
| 40 | Indiana | $35,039 | $2,920 | $1,121 | $4,961 | 12.4% | −$1,121 |
| 41 | Kentucky | $34,995 | $2,916 | $1,165 | $5,005 | 12.5% | −$1,165 |
| 42 | New York | $34,985 | $2,915 | $1,175 | $5,015 | 12.5% | −$1,175 |
| 43 | Michigan | $34,962 | $2,913 | $1,198 | $5,038 | 12.6% | −$1,198 |
| 44 | Arkansas | $34,938 | $2,912 | $1,222 | $5,062 | 12.7% | −$1,222 |
| 45 | Delaware | $34,907 | $2,909 | $1,253 | $5,093 | 12.7% | −$1,253 |
| 46 | Pennsylvania | $34,904 | $2,909 | $1,256 | $5,096 | 12.7% | −$1,256 |
| 47 | Maryland | $34,902 | $2,908 | $1,258 | $5,098 | 12.7% | −$1,258 |
| 48 | Alabama | $34,679 | $2,890 | $1,481 | $5,321 | 13.3% | −$1,481 |
| 49 | Massachusetts | $34,516 | $2,876 | $1,644 | $5,484 | 13.7% | −$1,644 |
| 50 | Illinois | $34,470 | $2,872 | $1,690 | $5,530 | 13.8% | −$1,690 |
| 51 | Oregon | $34,108 | $2,842 | $2,052 | $5,892 | 14.7% | −$2,052 |
How these rankings are calculated
Every figure is computed by the same engine as the paycheck calculator, with 2026 tables: federal income tax after the $16,100 standard deduction ($32,200 married filing jointly), Social Security 6.2% up to $184,500, Medicare 1.45%, and each state's own income tax with its standard deduction, exemptions and credits, plus mandatory state payroll premiums (CA SDI, NJ, NY PFL/SDI, WA Paid Leave and WA Cares, MA PFML and similar). No local income tax (so New York City, Philadelphia and Maryland counties are not included), no 401(k) or health deductions, no dependents, no other income. Married rows assume one earner. Ranking is by net pay; states with the same net pay share a position in the order shown. The full table for every salary and filing status is in open data (CSV, CC BY 4.0) and is regenerated whenever a tax table changes.
$40,000 a year: paycheck breakdown by pay period · Compare two states side by side