Here’s the Salary Needed to Actually Take Home $100K in Every State

You’ve landed a job making six figures (or hope to someday), but you might be wondering, “How much will my take-home pay be?” After all, federal income taxes and withholding for Social Security and Medicare will leave you with less. Then state and local taxes also might take a bite out of your pay. That six-figure salary quickly can shrink to a take-home pay of five figures.

So what do you need to earn to actually take home six figures? GOBankingRates used SmartAsset’s Paycheck Calculator to determine the exact salary needed in each state to have $100,000 after taxes.

Click through to see the salary you really need to take home a six-figure paycheck in every state.

Take-home salary: 70.38%

Alabama workers can hang onto more of their paychecks than workers in most other states. That’s because Alabama’s relatively low state income tax rates range from 2% to 5%.

Take-home salary: 74.28%

Alaska is one of seven states with no state income tax. Therefore, it’s one of the states where you will be happiest with the money you take home after taxes.

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Take-home salary: 71.59%

Arizona might be one of the worst states to be rich in America, according to a recent GOBankingRates study. However, it’s one of two states with a state income tax in which it takes a salary of less than $140,000 to actually take home $100,000. The Grand Canyon State’s income tax ranges from 2.59% to 4.54%, so workers take home a higher percentage of their salary than residents in most states.

Take-home salary: 68.16%

Arkansas residents need to earn more than workers in most states to actually take home $100,000 because state income taxes take a relatively big bite out of higher incomes here. The top tax rate in Arkansas is 6.9%.

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Take-home salary: 66.27%

California has the second-lowest percentage of take-home pay due to its high state and local tax rates. As a result, you need a higher salary here than in any state except Oregon to actually take home $100,000. In fact, California is one of the most expensive states to live in.

Take-home salary: 69.87%

The percentage of take-home pay after taxes is higher in Colorado than in a majority of states. That’s because Colorado has a flat state income tax rate of 4.63%, meaning workers don’t have to earn as much here as in many states to take home $100,000.

Take-home salary: 68.81%

The percentage of take-home pay after taxes is lower in Connecticut than in more than half of the states. Residents need to earn more here to take home $100,000.

Take-home salary: 68.63%

Delaware is one of the few states with no sales tax. However, the state hits higher-income workers with a relatively hefty state income tax. Delaware’s top rate of 6.6% applies to income of more than $60,000.

Take-home salary: 74.28%

Florida’s lack of a state income tax allows residents to take home more of their salary than residents of other states. In fact, it’s one of the cheapest states to file taxes in and one of the states with the lowest salary needed to take home $100,000.

Take-home salary: 68.63%

Georgia ranks among the bottom half of states for the percentage of take-home pay after taxes. So, workers need to earn more here to actually take home $100,000.

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Take-home salary: 66.85%

Hawaii residents take home a smaller percentage of their paycheck than workers in all but three states. That’s because income above $48,000 for singles and $96,000 for married couples filing jointly is taxed at a rate of 8.25% in The Aloha State.

Take-home salary: 67.39%

Idaho has the fifth-lowest percentage of take-home pay thanks to its 7.4% state income tax rate on income above $7,270 for singles and $14,540 for married couples filing jointly. So, it takes a salary of nearly $150,000 to take home $100,000 in this state.

Take-home salary: 70.6%

Aside from the states with no income tax, Illinois has the third-highest percentage of take-home salary. Thanks to its flat tax rate of 4.95%, workers don’t need to earn as much as residents in most states to take home $100,000.

Take-home salary: 69.28%

Like its neighbor Illinois, Indiana has a flat income tax rate. It’s just 3.23%, but workers also have to pay local income taxes. You need to earn slightly more in Indiana than Illinois to take home $100,000 after taxes.

Take-home salary: 68.2%

Workers in Iowa need a higher salary than residents of more than half of the states to take home $100,000 after taxes. Iowa’s state income tax rates range from 0.36% to 8.98%, and there are local school district taxes.

Take-home salary: 70.06%

Kansas workers take home a higher percentage of their paycheck than residents in more than half of the states. It’s one of 15 states where the take-home salary is more than 70%.

Take-home salary: 67.65%

Kentucky workers need to earn more than residents in all but seven states to actually take home $100,000. That’s because the state’s relatively high top income tax rate of 6% leaves workers with a smaller percentage of take-home pay. Plus, workers have to pay local occupational taxes.

Take-home salary: 69.92%

Louisiana residents need to earn less than residents in more than half of the states to actually take home $100,000. That’s because the state’s income tax brackets — which range from 2% to 6% — take a smaller bite out of paychecks, and there are no local income taxes.

Take-home salary: 67.45%

Maine has the sixth-lowest percentage of take-home pay as a result of its high state income tax rates, which range from 5.8% to 10.15%. Workers need to earn nearly $150,000 to take home $100,000.

Take-home salary: 66.63%

Maryland is one of just three states — along with California and Oregon — where you need to earn more than $150,000 to take home $100,000. In addition to a state income tax that ranges from 5% to 5.5% on income over $100,000, workers also are hit with local taxes.

Take-home salary: 69.42%

Massachusetts is nicknamed Taxachusetts. But the percentage of take-home salary here is actually higher than in half of the states.

Take-home salary: 70.16%

Michigan is among 15 states where the take-home salary after taxes is higher than 70%. That’s because it has a relatively low flat income tax rate of 4.25%.

Take-home salary: 67.52%

The percentage of take-home salary after taxes in Minnesota is lower than in most states. That’s because the state’s income tax ranges from 5.35% to 9.85%.

Take-home salary: 69.69%

Mississippi workers don’t have to earn as much as residents in more than half of the states to actually take home $100,000. The state income tax rates range from 3% to 5%.

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Take-home salary: 69.01%

Missouri ranks in the middle of states for the percentage of take-home salary left after taxes and salary needed to actually take home $100,000. Its state income tax rates range from 1.5% to 6%, but its top rate will drop to 5.5% over the next few years.

Take-home salary: 68.57%

Montana has the 16th-highest salary needed to actually take home $100,000. That’s because its top income tax rate of 6.9% applies to income over $17,600 for both single and married taxpayers.

Take-home salary: 68.17%

Nebraska ranks near the top of states for salary needed to take home $100,000 after taxes. That’s because its state income tax rates range from 2.46% to 6.84%.

Take-home salary: 74.28%

Nevada is another state with no state income tax. So it’s among the group of states that require a salary of just $134,629 to take home $100,000 after federal taxes and FICA withholdings.

Take-home salary: 74.28%

New Hampshire is one of the states where the percentage of take-home pay is the highest. It doesn’t tax earned income, but New Hampshire does tax interest and dividends.

Take-home salary: 68.95%

New Jersey ranks among the middle of states for salary required to take home $100,000. The Garden State has a progressive income tax that ranges from 1.4% to 8.97%.

Take-home salary: 69.8%

The salary needed in New Mexico to take home $100,000 is lower than in more than half of the states. That’s because New Mexico’s top state income tax rate is a relatively low 4.9%.

Take-home salary: 67.99%

You need a higher salary in New York to take home $100,000 after taxes than in most states. That’s because the state’s income tax bite — along with federal taxes and FICA withholding — leaves workers with only about 68% of their paycheck.

Take-home salary: 68.86%

The salary needed in North Carolina to take home $100,000 after taxes is higher than in half of the states. The state has a flat income tax rate that leaves workers with a smaller percentage of their take-home pay than residents are left with in many other states.

Take-home salary: 72.53%

Aside from the states with no state income tax, North Dakota has the highest take-home salary percentage thanks to its low state income tax rates. So, workers don’t need to earn as much here as in most other states to actually take home $100,000.

Take-home salary: 69.76%

Ohio residents need to earn less than residents in more than half of the states to take home $100,000 after taxes. That’s because its state income tax rates range from 0.5% to 5%.

Take-home salary: 69.68%

No local taxes and relatively low state income tax rates help Oklahoma workers hang onto a higher percentage of their paycheck than residents in more than half of the states. Oklahoma’s state income tax rates range from 0.5% to 5%.

Take-home salary: 65.44%

Oregon workers need the highest salary of any state to actually take home $100,000. That’s because the state has the highest average tax rate on income over $125,000 — 9.9%. However, residents get a tax break on purchases because Oregon is one of the few states that don’t have a sales tax.

Take-home salary: 69.72%

Pennsylvania residents need to earn less than residents in more than half of the states to take home $100,000 after taxes. The state has a relatively low flat income tax rate of 3.07%.

Take-home salary: 69.93%

Rhode Island has the 16th-lowest salary needed to take home $100,000 after taxes. The state income tax rates range from 3.75% to 5.99%, and there are no local income taxes.

Take-home salary: 67.74%

South Carolina is among the 10 states that require the highest salary to actually take home $100,000. That because the state’s relatively high income tax rates of up to 7% leave workers with less after taxes.

Take-home salary: 74.28%

South Dakota’s lack of an income tax makes it one of the states with the lowest salary needed to take home $100,000. If you’re near retirement and are thinking about moving to a state with no income tax, GOBankingRates has found that Aberdeen is the best city for retirement in this tax-free state.

Take-home salary: 74.28%

In Tennessee, take-home pay is higher than in most states because earned income isn’t taxed. However, Tennessee does tax interest and dividends, but that tax will be eliminated by 2022.

Take-home salary: 74.28%

Workers in Texas take home more of their salary than residents of other states because there is no state income tax. Although they escape state income taxes, Texans are hit with one of the strangest state taxes: The state charges a 6.25% sales tax on belt buckles.

Take-home salary: 69.3%

Utah ranks in the middle of states for salary needed to take home $100,000 after taxes. It has a flat income tax rate of 5%.

Take-home salary: 68.3%

Vermont has the 15th-highest salary needed to take home $100,000 after taxes. That’s because the state’s income tax rates range from 3.55% to 8.95%.

Take-home salary: 68.88%

Virginia ranks near the middle of states in salary needed for residents to take home $100,000 after taxes. Its top tax rate of 5.75% applies to income above $17,000 for both single and married taxpayers.

Take-home salary: 74.28%

Washington has no state income tax, so it’s one of the states where the percentage of take-home pay after taxes is the highest. As a result, workers don’t need to earn as much here as in most other states to actually take home $100,000.

Take-home salary: 68.64%

It takes a higher salary in West Virginia than in more than half of the states to take home $100,000. That’s because the state’s top income tax rate is 6.5%.

Take-home salary: 68.25%

Wisconsin has the 14th-highest salary needed for residents to take home $100,000 after taxes. Its state income tax rates range from 4% to 7.65%.

Take-home salary: 74.28%

The salary you need to take home $100,000 is lower in Wyoming than in most states because it has no state income tax. The lower tax bite allows workers to hang on to to nearly 75% of their pay.

Nine states tie for the lowest salary needed to take home $100,000 after taxes — about $134,630. Of these states, seven don’t tax any income and two tax only interest and dividend income. The nine states are Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Washington, Wyoming and Texas.

The top five states with the highest salaries needed to take home $100,000 after taxes:

1. Oregon: $152,8102. California: $150,8973. Maryland: $150,0804. Hawaii: $149,5835. Idaho: $148,399

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Methodology: GOBankingRates determined the salary you would need to take home an annual pay of $100,000 after federal, state and local taxes, plus FICA withholdings. SmartAsset’s Paycheck Calculator was used to calculate the exact salary amount in each state. All state income tax rates cited in this article are accurate as of 2017.