Take-Home Pay by State on a $45,000 Salary (2026)

What $45,000 keeps in every state, from most to least. 9 states charge no state income tax on wages.

The states that tax a $45,000 salary the most are Oregon ($2,833), Illinois ($2,086), Massachusetts ($2,030). The average state that taxes wages collects about $1,344 at this income. The gap between the best and worst state is about $2,833 a year (Alaska compared with Oregon).

State	State income tax	Share of pay	Take-home pay
1. Alaska	$0	0.0%	$38,338
2. Florida	$0	0.0%	$38,338
3. Nevada	$0	0.0%	$38,338
4. New Hampshire	$0	0.0%	$38,338
5. North Dakota	$0	0.0%	$38,338
6. South Dakota	$0	0.0%	$38,338
7. Tennessee	$0	0.0%	$38,338
8. Texas	$0	0.0%	$38,338
9. Washington	$0	0.0%	$38,338
10. Wyoming	$0	0.0%	$38,338
11. South Carolina	$575	1.3%	$37,762
12. Arizona	$723	1.6%	$37,615
13. California	$783	1.7%	$37,555
14. Ohio	$794	1.8%	$37,544
15. New Jersey	$939	2.1%	$37,399
16. Louisiana	$965	2.1%	$37,373
17. New Mexico	$968	2.2%	$37,370
18. Iowa	$1,058	2.4%	$37,279
19. Mississippi	$1,068	2.4%	$37,270
20. Rhode Island	$1,071	2.4%	$37,267
21. Vermont	$1,074	2.4%	$37,264
22. Missouri	$1,140	2.5%	$37,198
23. Nebraska	$1,168	2.6%	$37,170
24. Arkansas	$1,177	2.6%	$37,160
25. Montana	$1,219	2.7%	$37,118
26. West Virginia	$1,233	2.7%	$37,104
27. Utah	$1,258	2.8%	$37,079
28. Colorado	$1,272	2.8%	$37,066
29. Idaho	$1,277	2.8%	$37,061
30. North Carolina	$1,287	2.9%	$37,051
31. Indiana	$1,298	2.9%	$37,040
32. Wisconsin	$1,330	3.0%	$37,007
33. Pennsylvania	$1,382	3.1%	$36,956
34. Maine	$1,401	3.1%	$36,937
35. Kentucky	$1,457	3.2%	$36,880
36. Oklahoma	$1,480	3.3%	$36,858
37. Georgia	$1,497	3.3%	$36,841
38. Minnesota	$1,589	3.5%	$36,749
39. Connecticut	$1,598	3.5%	$36,740
40. Michigan	$1,662	3.7%	$36,676
41. Hawaii	$1,665	3.7%	$36,672
42. Kansas	$1,711	3.8%	$36,626
43. Virginia	$1,773	3.9%	$36,564
44. Maryland	$1,774	3.9%	$36,564
45. Delaware	$1,821	4.0%	$36,517
46. New York	$1,833	4.1%	$36,505
47. Alabama	$1,849	4.1%	$36,489
48. Massachusetts	$2,030	4.5%	$36,308
49. Illinois	$2,086	4.6%	$36,251
50. Oregon	$2,833	6.3%	$35,505

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.

Wondering what $45,000 a year is per hour, month or week? See $45,000 a year per hour.

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 $45,000 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.