These states add city or county income taxes on top of state taxes. Your take-home may be lower than the state rate suggests.
These 11 states add city or county income taxes on top of the state rate. Local taxes can add 1–4% to your total burden, significantly reducing take-home pay beyond what the headline state rate suggests.
Local taxes hit hardest in states like New York (NYC adds up to 3.876%), Ohio (cities like Columbus charge 2.5%), and Maryland (counties add 2.25–3.2%). When comparing states, always factor in the local tax — a state with a 5% rate plus 2.5% local tax is effectively a 7.5% state.
| # | State | Tax Rate | Type | Take-Home | Monthly | Eff. Rate | Cost Index | Cost-Adj. |
|---|---|---|---|---|---|---|---|---|
| 1 | Ohio | 2.75% | Flat | $74,875 | $6,240 | 25.1% | 90 | $83,194 |
| 2 | Indiana | 2.95% | Flat | $74,675 | $6,223 | 25.3% | 90 | $82,972 |
| 3 | Pennsylvania | 3.07% | Flat | $74,555 | $6,213 | 25.4% | 98 | $76,077 |
| 4 | Missouri | 4.8% | Grad. | $74,505 | $6,209 | 25.5% | 89 | $83,713 |
| 5 | Alabama | 5% | Grad. | $74,375 | $6,198 | 25.6% | 88 | $84,517 |
| 6 | Kentucky | 3.5% | Flat | $74,125 | $6,177 | 25.9% | 90 | $82,361 |
| 7 | Maryland | 5.75% | Grad. | $73,888 | $6,157 | 26.1% | 112 | $65,971 |
| 8 | Michigan | 4.25% | Flat | $73,375 | $6,115 | 26.6% | 91 | $80,632 |
| 9 | Delaware | 6.6% | Grad. | $73,335 | $6,111 | 26.7% | 102 | $71,897 |
| 10 | Oregon | 9.9% | Grad. | $71,190 | $5,933 | 28.8% | 110 | $64,718 |
| 11 | New York | 10.9% | Grad. | $70,540 | $5,878 | 29.5% | 125 | $56,432 |