Paycheck Calculator · Virginia · 2026 Tax Year
Take-Home Pay in Virginia — 2026 Federal, State, and FICA Stack
2026 federal brackets + Virginia state structure (2–5.75% (graduated)) + FICA. Single filer, $15,750 federal standard deduction. Reference paycheck at $40K–$200K gross. Last synced 2026-05-05.
TL;DR — Virginia take-home
Virginia's state income tax is progressive (multiple brackets), so the effective rate creeps up with income but stays well below the top marginal until you cross the highest bracket. $100K gross resolves to $74,099.
BEA RPP 101.3 for Virginia is near the 100 baseline; real take-home ($73,126) is within a few percent of nominal take-home ($74,099).
Reference take-home table — Virginia (2026, single filer)
| Gross W-2 | Federal | State | FICA | Take-home | Effective rate |
|---|---|---|---|---|---|
| $40,000 | $2,662 | $1,554 | $3,060 | $32,724 | 18.2% |
| $60,000 | $5,062 | $2,704 | $4,590 | $47,644 | 20.6% |
| $80,000 | $8,847 | $3,854 | $6,120 | $61,179 | 23.5% |
| $100,000 | $13,247 | $5,004 | $7,650 | $74,099 | 25.9% |
| $130,000 | $20,018 | $6,729 | $9,945 | $93,308 | 28.2% |
| $160,000 | $27,218 | $8,454 | $12,240 | $112,088 | 29.9% |
| $200,000 | $36,818 | $10,754 | $14,283 | $138,145 | 30.9% |
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 Virginia taxes work — 2026 structure
Graduated brackets — effective rate runs below marginal
Virginia uses a graduated (progressive) state income tax: 2–5.75% (graduated). The first dollars of taxable income hit the lowest bracket; only the highest dollars hit the top rate. Your effective state-tax rate is a weighted average of all brackets your income passes through.
At $100K gross, Virginia's effective state rate runs noticeably below the top marginal because most of the income is in lower brackets. At $200K, more income clears the top bracket so effective creeps closer to marginal — visible in the reference table's effective-rate column above.
Real take-home — Virginia cost of living adjusted
| Metric | Virginia value |
|---|---|
| BEA Regional Price Parity (all-items, 2023) | 101.3 (US = 100) |
| RPP — goods | 101.1 |
| RPP — rents | 105.6 |
| RPP — services | 92.4 |
| $100K gross take-home (nominal) | $74,099 |
| Real take-home (purchasing power) | $73,126 |
Virginia's overall RPP (101.3) tracks close to the national 100 baseline, so nominal and real take-home stay close — both around the $74,099 mark.
Compared with Virginia's neighbors at $100K gross
| State | $100K take-home | Effective rate | Page |
|---|---|---|---|
| Virginia (this page) | $74,099 | 25.9% | — |
| North Carolina | $75,395 | 24.6% | North Carolina paycheck → |
| Tennessee | $79,103 | 20.9% | Tennessee paycheck → |
| Maryland | $74,527 | 25.5% | Maryland paycheck → |
| West Virginia | $75,136 | 24.9% | West Virginia paycheck → |
Same single-filer assumptions across all rows. Federal + state + FICA only — local taxes not applied here.
Frequently asked — Virginia paycheck
- What state taxes does Virginia apply to wages?
- Virginia's state income tax structure is: 2–5.75% (graduated). 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.
- What's a typical paycheck after taxes in Virginia on $100K gross?
- At $100,000 gross, Virginia take-home (single filer, 2026) is approximately $74,099: federal $13,247, state $5,004, FICA $7,650, leaving an effective total tax rate of 25.9%. Local taxes (city / county / municipal) are flagged separately on this page if applicable to Virginia.
- What about HSA, dependent care, or transit benefits in Virginia?
- 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.
- How does Virginia's top marginal rate compare to other states?
- California is the U.S. high water mark at 13.3% top marginal (with mental-health surcharge above $1M). Hawaii sits at 11%, New York 10.9%, Oregon 9.9%, New Jersey 10.75% (above $1M), Minnesota 9.85%, DC 10.75%. Virginia's top marginal: 2–5.75% (graduated). The Real Wage Atlas ranks all 51 jurisdictions by effective state-tax burden at the BLS median wage of common occupations.
- How does pre-tax 401(k) affect my Virginia 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 does Virginia 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 many state income tax brackets does Virginia have?
- Virginia's state income tax: 2–5.75% (graduated). Each bracket applies only to income within its threshold range, so your effective rate is a weighted average of brackets 1-N rather than the top rate alone. The income-tier reference table on this page shows effective rates at $40K, $60K, $80K, $100K, $130K, $160K, and $200K.
Sources & methodology
- Federal brackets — IRS Rev. Proc. 2025-32, 2026 single-filer tables, $15,750 standard deduction.
- Virginia state brackets — 2026 Virginia 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 Virginia 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.