Paycheck Calculator · Arizona · 2026 Tax Year
Arizona Paycheck Calculator (2026)
2026 federal brackets + Arizona state structure (2.5% flat (2026)) + FICA. Single filer, $15,750 federal standard deduction. Reference paycheck at $40K–$200K gross. Last synced 2026-05-05.
TL;DR — Arizona take-home
The Arizona state-tax structure is flat-rate (no brackets), which means a raise from $80K to $200K is taxed at the same state percentage at the margin. Federal + state + FICA on $100K = $76,997.
Cost of living in Arizona sits near the national baseline, so the $76,997 nominal take-home and $76,430 real take-home are essentially the same purchasing power.
Reference take-home table — Arizona (2026, single filer)
| Gross W-2 | Federal | State | FICA | Take-home | Effective rate |
|---|---|---|---|---|---|
| $40,000 | $2,662 | $606 | $3,060 | $33,672 | 15.8% |
| $60,000 | $5,062 | $1,106 | $4,590 | $49,242 | 17.9% |
| $80,000 | $8,847 | $1,606 | $6,120 | $63,427 | 20.7% |
| $100,000 | $13,247 | $2,106 | $7,650 | $76,997 | 23.0% |
| $130,000 | $20,018 | $2,856 | $9,945 | $97,181 | 25.2% |
| $160,000 | $27,218 | $3,606 | $12,240 | $116,936 | 26.9% |
| $200,000 | $36,818 | $4,606 | $14,283 | $144,293 | 27.9% |
Standard deductions ($15,750 federal + state-specific 2026 figure) applied before bracket math. FICA = SS 6.2% to $183,600 + Medicare 1.45% (+0.9% above $200K). Local taxes (city/county) not in headline numbers.
How Arizona taxes work — 2026 structure
Flat-rate state income tax — same rate at every income tier
Arizona uses a flat-rate state income tax: 2.5% flat (2026). The flat-rate model means your effective and marginal state-tax rates are identical at every income tier — a simplification compared with graduated states.
The state's 2026 standard deduction is applied before the flat rate. FICA stack is the same as everywhere else (SS + Medicare). Local-tax overlay applies on top of state in some jurisdictions — see the local section below if applicable.
Real take-home — Arizona cost of living adjusted
| Metric | Arizona value |
|---|---|
| BEA Regional Price Parity (all-items, 2023) | 100.7 (US = 100) |
| RPP — goods | 97.9 |
| RPP — rents | 108.6 |
| RPP — services | 83.3 |
| $100K gross take-home (nominal) | $76,997 |
| Real take-home (purchasing power) | $76,430 |
Arizona's overall RPP (100.7) tracks close to the national 100 baseline, so nominal and real take-home stay close — both around the $76,997 mark.
Compared with Arizona's neighbors at $100K gross
| State | $100K take-home | Effective rate | Page |
|---|---|---|---|
| Arizona (this page) | $76,997 | 23.0% | — |
| Nevada | $79,103 | 20.9% | Nevada paycheck → |
| New Mexico | $75,315 | 24.7% | New Mexico paycheck → |
| California | $73,776 | 26.2% | California paycheck → |
| Utah | $75,312 | 24.7% | Utah paycheck → |
Same single-filer assumptions across all rows. Federal + state + FICA only — local taxes not applied here.
Frequently asked — Arizona paycheck
- What about HSA, dependent care, or transit benefits in Arizona?
- HSA contributions are pre-tax federally and FICA-exempt (one of the few benefits that reduces FICA), and pre-tax in most states except California and New Jersey (which tax HSA at the state level). Dependent Care FSA up to $5,000/year is pre-tax federally and state in most jurisdictions. Transit/parking benefits up to $315/month (2026) are pre-tax federally. The page calculator doesn't model these — apply them as pre-tax adjustments to gross.
- Are local / city taxes included in this Arizona paycheck calculator?
- The headline take-home figure includes federal + state + FICA. Local taxes (city, county, municipal occupational, school district) are not applied to the headline number but are flagged separately for the eight states where they materially change take-home: NY (NYC, Yonkers), PA (Philly, Pittsburgh), MI (Detroit + 22 cities), OH (RITA / CCA cities), KY (most counties), MD (all counties), IN (all counties), and AL (Birmingham, Macon, Bessemer).
- What state taxes does Arizona apply to wages?
- Arizona's state income tax structure is: 2.5% flat (2026). State standard deduction and personal exemption rules differ from federal — see the methodology page for the exact figures applied to the calculator on this page.
- How does pre-tax 401(k) affect my Arizona paycheck?
- Traditional 401(k) contributions reduce your federal taxable wage and most states' state taxable wage (Pennsylvania and a few others tax 401(k) contributions at the state level — exception). FICA is not reduced — Social Security and Medicare apply to your gross wages regardless of 401(k) deferral. The calculator on this page does not currently model 401(k) deferral; subtract your contribution from gross before using the reference tables for an approximate adjustment.
- How current is the tax data on this Arizona paycheck calculator?
- Federal brackets are 2026 (IRS Rev. Proc. 2023-34, single filer). FICA wage base is the 2026 $183,600 figure. Arizona state brackets are 2026 single-filer figures sourced from the Arizona Department of Revenue or Tax Foundation 2026 individual income tax structure summary. Bracket numbers update annually around January; this page is re-synced each tax year. See the methodology · tax page for the complete source list and limitations.
- How does Arizona compare to neighboring states for paycheck math?
- See the comparison row on this page (cross-state take-home at $100K reference income). For a deeper four-way ranking across all 51 states + DC, the Real Wage Atlas ranks every state by real wage, after-tax take-home, state-tax savings vs national average, and cost-of-living arbitrage.
- How is a paycheck calculated in Arizona?
- Take-home pay in Arizona is gross W-2 wages minus federal income tax (2026 single-filer brackets, $15,750 standard deduction), state income tax (2.5% flat (2026)), and FICA (Social Security 6.2% capped at $183,600 wage base + Medicare 1.45% on all wages, plus 0.9% additional Medicare above $200K single-filer). The page calculator and reference tables apply this stack at common income tiers.
Sources & methodology
- Federal brackets — IRS Rev. Proc. 2025-32, 2026 single-filer tables, $15,750 standard deduction.
- Arizona state brackets — 2026 Arizona Department of Revenue / Tax Foundation 2026 individual income tax structure summary. State standard deduction applied where relevant.
- FICA — Social Security 6.2% on wages up to the 2026 wage base of $183,600; Medicare 1.45% on all wages; +0.9% Additional Medicare on wages above $200K (single filer).
- BEA Regional Price Parities — 2023 vintage (all-items, goods, services, rents).
- See the methodology · tax for full computation details and limitations.
Cross-state comparison: see how Arizona take-home ranks against the other 50 paycheck calculators on the Real Wage Atlas → — four-way ranking by real wage, after-tax take-home, state-tax savings, and cost-of-living arbitrage.