If you’ve landed a job making $100,000 or more, the reality is that money isn’t all yours for the keeping.
Federal income taxes and Social Security and Medicare take a chunk, too. Then state and local taxes can take another bite. That six-figure salary could quickly shrink to a take-home pay of five figures.
Check Out: 6 Subtly Genius Moves All Wealthy People Make With Their Money
Learn More: How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too
So what do you need to earn to actually take home six figures? GOBankingRates determined the exact salary you would need to earn to take home an annual pay of $100,000 in each state after taxes.
Key Findings
The five states where you need the most to net $100,000 are Oregon, Maryland, Hawaii, California and Minnesota. The salary needed ranges from $143,539 in Minnesota to $148,309 in Oregon.
Nine states do not tax income and thus tied for the least amount needed to net $100,000: $130,999. Those states are Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming.
Four states have income tax below 3% and came in just above the states with no income tax: Louisiana, Ohio, Arizona, North Dakota.
Click through to see the salary you really need to take home a six-figure paycheck in every state, ranked from most to least.
Also see five states where you will keep more of your paycheck than anywhere else.
Also See: What Salary Single People Need To Live Comfortably in 100 Major US Cities
Discover More: Are You Rich or Middle Class? 8 Ways To Tell That Go Beyond Your Paycheck
Trending Now: Suze Orman’s Secret to a Wealthy Retirement–Have You Made This Money Move?
1. Oregon
Salary needed for $100K: $148,309
Tax burden: 32.6%
Explore More: What Is the Estimated Median Income for the Upper-Middle Class in 2025?
2. Maryland
Salary needed for $100K: $146,521
Tax burden: 31.8%
3. Hawaii
Salary needed for $100K: $144,939
Tax burden: 31.0%
4. California
Salary needed for $100K: $144,879
Tax burden: 31.0%
5. Minnesota
Salary needed for $100K: $143,539
Tax burden: 30.3%
6. Maine
Salary needed for $100K: $143,206
Tax burden: 30.2%
Read More: Here’s the Minimum Salary Required To Be Considered Upper-Middle Class in 2025
7. Delaware
Salary needed for $100K: $142,135
Tax burden: 29.7%
8. Montana
Salary needed for $100K: $142,121
Tax burden: 29.6%
9. New York
Salary needed for $100K: $141,923
Tax burden: 29.5%
10. Virginia
Salary needed for $100K: $141,801
Tax burden: 29.5%
11. Kansas
Salary needed for $100K: $141,777
Tax burden: 29.5%
Read Next: I’m a Financial Advisor — 10 Most Awesome Things You Can Do for Your Finances in 2025
12. Connecticut
Salary needed for $100K: $141,600
Tax burden: 29.4%
13. South Carolina
Salary needed for $100K: $141,429
Tax burden: 29.3%
14. Nebraska
Salary needed for $100K: $141,359
Tax burden: 29.3%
15. Idaho
Salary needed for $100K: $141,351
Tax burden: 29.3%
16. Wisconsin
Salary needed for $100K: $141,338
Tax burden: 29.3%
Consider This: 3 Signs You’ve ‘Made It’ Financially, According to Financial Influencer Genesis Hinckley
17. Georgia
Salary needed for $100K: $141,187
Tax burden: 29.2%
18. Illinois
Salary needed for $100K: $141,010
Tax burden: 29.1%
19. Vermont
Salary needed for $100K: $140,939
Tax burden: 29.1%
20. New Jersey
Salary needed for $100K: $140,929
Tax burden: 29.1%
21. Massachusetts
Salary needed for $100K: $140,643
Tax burden: 28.9%
Find More: 4 Secrets of the Truly Wealthy, According To Dave Ramsey
22. Oklahoma
Salary needed for $100K: $139,830
Tax burden: 28.5%
23. Utah
Salary needed for $100K: $139,681
Tax burden: 28.4%
24. West Virginia
Salary needed for $100K: $139,656
Tax burden: 28.4%
25. New Mexico
Salary needed for $100K: $139,547
Tax burden: 28.3%
26. North Carolina
Salary needed for $100K: $139,333
Tax burden: 28.2%
Also Read: 7 Tax Loopholes the Rich Use To Pay Less and Build More Wealth
27. Mississippi
Salary needed for $100K: $139,321
Tax burden: 28.2%
28. Michigan
Salary needed for $100K: $139,313
Tax burden: 28.2%
29. Pennsylvania
Salary needed for $100K: $139,293
Tax burden: 28.2%
30. Alabama
Salary needed for $100K: $139,188
Tax burden: 28.2%
31. Missouri
Salary needed for $100K: $139,130
Tax burden: 28.1%
For You: 10 Genius Things Warren Buffett Says To Do With Your Money
32. Arkansas
Salary needed for $100K: $139,054
Tax burden: 28.1%
33. Colorado
Salary needed for $100K: $139,008
Tax burden: 28.1%
34. Kentucky
Salary needed for $100K: $138,944
Tax burden: 28.0%
35. Rhode Island
Salary needed for $100K: $138,408
Tax burden: 27.8%
36. Iowa
Salary needed for $100K: $138,009
Tax burden: 27.6%
Be Aware: Warren Buffett Reveals 10 Things Poor People Waste Money On
37. Indiana
Salary needed for $100K: $137,071
Tax burden: 27.1%
38. Louisiana
Salary needed for $100K: $136,927
Tax burden: 27.0%
39. Ohio
Salary needed for $100K: $136,911
Tax burden: 27.0%
40. Arizona
Salary needed for $100K: $135,420
Tax burden: 26.2%
41. North Dakota
Salary needed for $100K: $133,033
Tax burden: 24.8%
Check Out: Suze Orman’s Top Tip for Building Wealth Is a ‘Very Easy One’
42. Alaska
Salary needed for $100K: $130,999
Tax burden: 23.7%
42. Florida
Salary needed for $100K: $130,999
Tax burden: 23.7%
42. Nevada
Salary needed for $100K: $130,999
Tax burden: 23.7%
42. New Hampshire
Salary needed for $100K: $130,999
Tax burden: 23.7%
42. South Dakota
Salary needed for $100K: $130,999
Tax burden: 23.7%
Note This: I’m a Self-Made Millionaire — 6 Steps I Took To Become Rich on an Average Salary
42. Tennessee
Salary needed for $100K: $130,999
Tax burden: 23.7%
42. Texas
Salary needed for $100K: $130,999
Tax burden: 23.7%
42. Washington
Salary needed for $100K: $130,999
Tax burden: 23.7%
42. Wyoming
Salary needed for $100K: $130,999
Tax burden: 23.7%
Methodology: To generate the income for what it takes to bring home a $100,000 salary by state, GOBankingRates surveyed income taxes at both the federal and state level (including FICA). Income tax estimates were created by using an in-house calculator for a person who was filing their taxes as a single person and using the standard deduction (with 2024 tax brackets). Once the three income taxes were calculated as an annual amount, GOBankingRates found each state’s (4) total annual income taxes paid and (5) total income tax burden. All data was collected on and is up to date as of March 12, 2025.
More From GOBankingRates
Mark Cuban: Trump’s Tariffs Will Affect This Class of People the Most
5 Things You Must Do When Your Savings Reach $50,000
How To Get the Most Value From Your Costco Membership in 2025
7 Wealth-Building Shortcuts Proven To Add $1K to Your Wallet This Month
This article originally appeared on GOBankingRates.com: Here’s the Salary Needed To Actually Take Home $100K in Every State
