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

If you’ve landed a job making $100,000 or more, the reality is that money isn’t all yours for the keeping.

Contents

Key Findings 1. Oregon 2. Maryland 3. Hawaii 4. California 5. Minnesota 6. Maine 7. Delaware 8. Montana 9. New York 10. Virginia 11. Kansas 12. Connecticut 13. South Carolina 14. Nebraska 15. Idaho 16. Wisconsin 17. Georgia 18. Illinois 19. Vermont 20. New Jersey 21. Massachusetts 22. Oklahoma 23. Utah 24. West Virginia 25. New Mexico 26. North Carolina 27. Mississippi 28. Michigan 29. Pennsylvania 30. Alabama 31. Missouri 32. Arkansas 33. Colorado 34. Kentucky 35. Rhode Island 36. Iowa 37. Indiana 38. Louisiana 39. Ohio 40. Arizona 41. North Dakota 42. Alaska 42. Florida 42. Nevada 42. New Hampshire 42. South Dakota 42. Tennessee 42. Texas 42. Washington 42. Wyoming

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.

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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.

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1. Oregon

Salary needed for $100K: $148,309
Tax burden: 32.6%

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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%

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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%

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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%

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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%

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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%

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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%

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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%

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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%

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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%

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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.

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This article originally appeared on GOBankingRates.com: Here’s the Salary Needed To Actually Take Home $100K in Every State