Ranked by take-home pay on each state's own median income, adjusted for cost of living.
This ranking covers 50 states, with New Hampshire at the top ($62,241 take-home on $100K) and Hawaii at the bottom ($54,279). The spread between best and worst is $7,962/year.
The ranking is influenced by state income tax rates, tax structure (flat vs graduated), local taxes, and in cost-adjusted rankings, the cost of living index. States with no income tax generally rank highest for raw take-home pay, but cost adjustments can shuffle the order significantly.
| # | State | Tax Rate | Type | Take-Home | Monthly | Eff. Rate | Cost Index | Cost-Adj. |
|---|---|---|---|---|---|---|---|---|
| 1 | New Hampshire | 0% | None | $62,241 | $5,187 | 18.1% | 108 | $57,631 |
| 2 | Maryland | 5.75% | Grad. | $63,397 | $5,283 | 22.7% | 112 | $56,605 |
| 3 | Texas | 0% | None | $51,997 | $4,333 | 16.1% | 93 | $55,911 |
| 4 | Washington | 0% | None | $60,834 | $5,070 | 17.8% | 110 | $55,304 |
| 5 | Virginia | 5.75% | Grad. | $56,736 | $4,728 | 21.2% | 103 | $55,083 |
| 6 | Illinois | 4.95% | Flat | $51,190 | $4,266 | 21.2% | 93 | $55,043 |
| 7 | Connecticut | 6.99% | Grad. | $60,104 | $5,009 | 22.9% | 111 | $54,148 |
| 8 | Utah | 4.45% | Flat | $53,587 | $4,466 | 21.2% | 99 | $54,128 |
| 9 | North Dakota | 2.5% | Grad. | $49,415 | $4,118 | 17.6% | 92 | $53,712 |
| 10 | Wyoming | 0% | None | $50,390 | $4,199 | 16.0% | 94 | $53,606 |
| 11 | South Dakota | 0% | None | $48,783 | $4,065 | 15.9% | 92 | $53,025 |
| 12 | Massachusetts | 5% | Flat | $62,362 | $5,197 | 23.9% | 118 | $52,849 |
| 13 | New Jersey | 10.75% | Grad. | $60,732 | $5,061 | 25.9% | 115 | $52,811 |
| 14 | Minnesota | 9.85% | Grad. | $52,259 | $4,355 | 23.1% | 99 | $52,787 |
| 15 | Iowa | 3.8% | Flat | $46,579 | $3,882 | 19.7% | 89 | $52,336 |
| 16 | Nebraska | 4.55% | Grad. | $47,068 | $3,922 | 18.8% | 91 | $51,723 |
| 17 | Pennsylvania | 3.07% | Flat | $50,094 | $4,174 | 19.2% | 98 | $51,116 |
| 18 | Colorado | 4.4% | Flat | $53,621 | $4,468 | 21.1% | 105 | $51,068 |
| 19 | Wisconsin | 7.65% | Grad. | $47,407 | $3,951 | 21.0% | 93 | $50,975 |
| 20 | Ohio | 2.75% | Flat | $45,636 | $3,803 | 18.5% | 90 | $50,707 |
| 21 | Kansas | 5.58% | Grad. | $45,145 | $3,762 | 19.4% | 90 | $50,161 |
| 22 | Michigan | 4.25% | Flat | $45,557 | $3,796 | 20.1% | 91 | $50,063 |
| 23 | Tennessee | 0% | None | $44,766 | $3,730 | 15.5% | 90 | $49,739 |
| 24 | Missouri | 4% | Flat | $44,173 | $3,681 | 19.7% | 89 | $49,632 |
| 25 | Indiana | 2.95% | Flat | $43,976 | $3,665 | 18.6% | 90 | $48,862 |
| 26 | Arizona | 2.5% | Flat | $47,333 | $3,944 | 18.4% | 97 | $48,797 |
| 27 | Delaware | 6.6% | Grad. | $49,337 | $4,111 | 20.4% | 102 | $48,370 |
| 28 | Nevada | 0% | None | $48,783 | $4,065 | 15.9% | 101 | $48,300 |
| 29 | Alabama | 5% | Grad. | $42,272 | $3,523 | 18.7% | 88 | $48,036 |
| 30 | Florida | 0% | None | $47,980 | $3,998 | 15.8% | 100 | $47,980 |
| 31 | Rhode Island | 5.99% | Grad. | $50,348 | $4,196 | 20.1% | 105 | $47,950 |
| 32 | Oklahoma | 4.5% | Grad. | $41,667 | $3,472 | 18.3% | 87 | $47,893 |
| 33 | Georgia | 5.19% | Flat | $44,270 | $3,689 | 20.9% | 93 | $47,602 |
| 34 | Arkansas | 3.9% | Grad. | $39,531 | $3,294 | 17.6% | 86 | $45,967 |
| 35 | Idaho | 5.3% | Flat | $43,458 | $3,621 | 21.0% | 95 | $45,745 |
| 36 | Montana | 5.65% | Grad. | $44,353 | $3,696 | 19.4% | 97 | $45,724 |
| 37 | North Carolina | 3.99% | Flat | $43,414 | $3,618 | 19.6% | 95 | $45,699 |
| 38 | Maine | 7.15% | Grad. | $44,573 | $3,714 | 20.4% | 98 | $45,483 |
| 39 | Kentucky | 3.5% | Flat | $40,605 | $3,384 | 18.8% | 90 | $45,117 |
| 40 | South Carolina | 6% | Grad. | $41,170 | $3,431 | 19.3% | 92 | $44,749 |
| 41 | Vermont | 8.75% | Grad. | $46,978 | $3,915 | 21.7% | 105 | $44,740 |
| 42 | Oregon | 9.9% | Grad. | $48,746 | $4,062 | 22.6% | 110 | $44,315 |
| 43 | Louisiana | 3% | Flat | $40,082 | $3,340 | 18.2% | 91 | $44,046 |
| 44 | New Mexico | 5.9% | Grad. | $39,672 | $3,306 | 19.0% | 91 | $43,596 |
| 45 | West Virginia | 4.82% | Grad. | $36,155 | $3,013 | 17.8% | 83 | $43,561 |
| 46 | Mississippi | 4% | Flat | $35,774 | $2,981 | 18.7% | 83 | $43,101 |
| 47 | Alaska | 0% | None | $54,408 | $4,534 | 16.3% | 127 | $42,841 |
| 48 | New York | 10.9% | Grad. | $51,795 | $4,316 | 23.8% | 125 | $41,436 |
| 49 | California | 13.3% | Grad. | $56,905 | $4,742 | 27.0% | 142 | $40,074 |
| 50 | Hawaii | 11% | Grad. | $54,279 | $4,523 | 24.6% | 192 | $28,270 |