Take-Home Pay by State on a $40,000 Salary (2026)
What $40,000 keeps in every state, from most to least. 9 states charge no state income tax on wages.
The states that tax a $40,000 salary the most are Oregon ($2,448), Illinois ($1,839), Massachusetts ($1,780). The average state that taxes wages collects about $1,121 at this income. The gap between the best and worst state is about $2,448 a year (Alaska compared with Oregon).
| State | State income tax | Share of pay | Take-home pay |
|---|---|---|---|
| 1. Alaska | $0 | 0.0% | $34,320 |
| 2. Florida | $0 | 0.0% | $34,320 |
| 3. Nevada | $0 | 0.0% | $34,320 |
| 4. New Hampshire | $0 | 0.0% | $34,320 |
| 5. North Dakota | $0 | 0.0% | $34,320 |
| 6. South Dakota | $0 | 0.0% | $34,320 |
| 7. Tennessee | $0 | 0.0% | $34,320 |
| 8. Texas | $0 | 0.0% | $34,320 |
| 9. Washington | $0 | 0.0% | $34,320 |
| 10. Wyoming | $0 | 0.0% | $34,320 |
| 11. South Carolina | $476 | 1.2% | $33,844 |
| 12. California | $583 | 1.5% | $33,737 |
| 13. Arizona | $598 | 1.5% | $33,723 |
| 14. Ohio | $650 | 1.6% | $33,670 |
| 15. New Jersey | $683 | 1.7% | $33,638 |
| 16. New Mexico | $753 | 1.9% | $33,567 |
| 17. Louisiana | $815 | 2.0% | $33,505 |
| 18. Mississippi | $868 | 2.2% | $33,452 |
| 19. Iowa | $868 | 2.2% | $33,452 |
| 20. Rhode Island | $883 | 2.2% | $33,437 |
| 21. Vermont | $906 | 2.3% | $33,414 |
| 22. Missouri | $912 | 2.3% | $33,408 |
| 23. Nebraska | $940 | 2.4% | $33,380 |
| 24. Utah | $971 | 2.4% | $33,349 |
| 25. Montana | $984 | 2.5% | $33,336 |
| 26. Arkansas | $992 | 2.5% | $33,328 |
| 27. Idaho | $1,012 | 2.5% | $33,308 |
| 28. West Virginia | $1,043 | 2.6% | $33,277 |
| 29. Colorado | $1,052 | 2.6% | $33,268 |
| 30. Wisconsin | $1,084 | 2.7% | $33,236 |
| 31. North Carolina | $1,087 | 2.7% | $33,233 |
| 32. Maine | $1,111 | 2.8% | $33,209 |
| 33. Indiana | $1,151 | 2.9% | $33,170 |
| 34. Connecticut | $1,193 | 3.0% | $33,128 |
| 35. Pennsylvania | $1,228 | 3.1% | $33,092 |
| 36. Georgia | $1,248 | 3.1% | $33,073 |
| 37. Oklahoma | $1,255 | 3.1% | $33,066 |
| 38. Kentucky | $1,282 | 3.2% | $33,038 |
| 39. Minnesota | $1,321 | 3.3% | $32,999 |
| 40. Hawaii | $1,325 | 3.3% | $32,995 |
| 41. Kansas | $1,432 | 3.6% | $32,888 |
| 42. Michigan | $1,449 | 3.6% | $32,871 |
| 43. Virginia | $1,486 | 3.7% | $32,834 |
| 44. Maryland | $1,536 | 3.8% | $32,784 |
| 45. Delaware | $1,543 | 3.9% | $32,777 |
| 46. New York | $1,563 | 3.9% | $32,757 |
| 47. Alabama | $1,629 | 4.1% | $32,691 |
| 48. Massachusetts | $1,780 | 4.5% | $32,540 |
| 49. Illinois | $1,839 | 4.6% | $32,481 |
| 50. Oregon | $2,448 | 6.1% | $31,872 |
Single filer, no pre-tax deductions, 2026 rules, after federal income tax, Social Security, Medicare and state income tax. Local taxes and payroll premiums are not included. Open a state for its own calculator and rules.
States with no income tax on wages
Texas, Florida, Washington, Nevada, Tennessee, Alaska, New Hampshire, South Dakota, Wyoming.
Compare other salaries
Frequently asked questions
Which states have no income tax on wages?
Texas, Florida, Washington, Nevada, Tennessee, Alaska, New Hampshire, South Dakota, Wyoming do not tax wage income in 2026. They can still charge sales, property or other taxes, and some charge small payroll premiums.
How was this comparison calculated?
Each state is run through the same calculator used on its page: a single filer earning $40,000 with no pre-tax deductions, 2026 federal rules, and the state's own income tax. Local city and county income taxes are not included.
Does a lower state income tax always mean higher take-home pay?
For wages, yes, because federal tax, Social Security and Medicare are the same everywhere. Your total cost of living also depends on housing, sales and property taxes, so take-home pay alone does not show which state is cheaper to live in.