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Arizona Paycheck Calculator (2026)

Enter your annual salary below to see your Arizona take-home pay after federal, state, FICA, and any local taxes for 2026.

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Arizona applies a flat 2.5% state income tax to wage income, among the lowest single-rate burdens in the country. At $85,000 single, the after-tax estimate is $66,896 per year. No Arizona city or county adds a wage tax, and the state runs no employee-funded disability insurance program.

Arizona's flat 2.5% state income tax replaced a multi-bracket progressive schedule after a series of recent rate-reduction reforms. The single-rate structure is one of the lowest in the country among states that levy a personal income tax at all, sitting well below the typical top bracket in California, New York, or Oregon. The simplification has made Arizona attractive to relocating tech workers and retirees comparing state burdens across the Sunbelt. Arizona runs no State Disability Insurance program, no Paid Family Leave deduction, and no city-level wage tax in Phoenix, Tucson, Mesa, Chandler, Scottsdale, or any other municipality. State and local government revenue leans on sales tax and transaction privilege tax in addition to income tax, but neither shows up on paycheck withholding. At $85,000 for a single filer, federal income tax lands at $9,870, state income tax at $1,731, combined FICA at $6,503, and take-home for the year at $66,896. The effective total rate is 21.3%. Use the calculator below to layer in 401(k) or HSA contributions or compare Arizona against a no-tax neighbor like Nevada or a high-tax neighbor like California.

Arizona state tax breakdown

Single-filer state income tax brackets used by the calculator for 2026.

Taxable IncomeRate
$0+2.5%

Major Arizona metros

These metros do not levy a separate city income tax; paycheck math runs the Arizona state schedule above. Each metro page adds city-specific context (cost of living, major employers, commute patterns) on top of the state calculator.

PhoenixArizona metro context

vs. baseline ($85,000 single filer)

A $85,000 salary in Arizona takes home approximately $1,700 less than the same salary in a no-income-tax state like Texas or Florida.

What this estimate includes

This calculator computes Arizona take-home pay using 2026 federal brackets after the standard deduction, FICA contributions (Social Security at the federal rate up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), Arizona's state income tax schedule above, and any local income tax or state-administered payroll program (SDI, PFML, FAMLI) when you select a city or county. For states with no broad-based personal income tax, the state line is zero. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages.

Arizona paycheck FAQ

What is the federal tax bill on $85,000 single in Arizona for 2026?
A $85,000 single filer in Arizona owes approximately $9,870 in federal income tax, with the top slice of taxable income inside the 22% federal bracket after the standard deduction. Federal mechanics work the same in every state, so an Arizona resident sees the same federal line as a California or Texas counterpart at this gross.
How much Arizona state tax does someone owe on $85,000?
Arizona state income tax at $85,000 for a single filer is approximately $1,731, an effective state rate of 2.04%. Because the schedule is flat at 2.5%, the marginal and effective rates land at the same headline figure. There is no SDI, no Paid Family Leave deduction, and no city or county wage layer to add on top.
Do Phoenix, Tucson, or any other Arizona city tax wages?
No Arizona municipality runs a wage tax on employees. Phoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, and Gilbert residents all see the same state line on the pay stub: $1,731 for a $85,000 single filer, with the 2.5% state rate as the only income-tax layer above the federal line.
How much does a 401(k) contribution save at $85,000 in Arizona?
At $85,000 single in Arizona, the combined marginal rate is 24.5% (federal 22% plus state 2.5%). Traditional 401(k) and HSA contributions reduce both federal and Arizona taxable income at that combined rate. The flat state structure keeps the per-dollar saving stable across the salary range, with no bracket-creep nuance to track.
What changes for married filing jointly, head of household, or filing separately at $85,000 in Arizona?
MFJ at $85,000 in Arizona takes home about $71,320, roughly $4,424 more than the single estimate above. Wider federal MFJ brackets and the doubled federal standard deduction drive most of the gap; Arizona's 2.5% flat rate is filing-status-neutral, so the state line moves only because the federal-side recalculation shifts AGI. Head of Household at this gross clears about $69,818, around $2,922 more than Single, driven entirely by the wider federal HoH brackets and the larger HoH standard deduction. Combined Married Filing Separately take-home runs roughly $4,424 less than MFJ, since federal MFS thresholds equal MFJ halved and Arizona's flat rate stays neutral.
How does Arizona compare to Nevada at $85,000?
Nevada does not tax wage income at all, so a Nevada resident at $85,000 keeps roughly $1,731 more than a Arizona counterpart on the same gross. The gap is small in dollar terms because Arizona's flat 2.5% is one of the lowest income-tax rates in the country; federal tax and FICA are identical across both states.

Take-home at common salaries for Arizona

Dedicated salary-anchor pages with a federal-state-FICA breakdown, vs-baseline callouts, and a calculator pre-set to that salary and Arizona.

$50,000 after taxesin Arizona$75,000 after taxesin Arizona$100,000 after taxesin Arizona$150,000 after taxesin Arizona$200,000 after taxesin Arizona$250,000 after taxesin Arizona$60,000 after taxesin Arizona

See also

Run the full US paycheck calculatorCompare to the Nevada paycheck calculatorArizona vs California: side-by-side paycheck comparisonHow the same salary lands in New MexicoHow the same salary lands in UtahColorado take-home, for comparisonArizona hourly pay, by pay periodSelf-employment tax on 1099 income in ArizonaWhat a bonus pays after Arizona withholdingSee how two locations compare on take-homePlain-English glossary of paycheck termsThe math behind these numbers

Reviewed

How This Page Is Reviewed

The Arizona paycheck page is reviewed against primary federal and state sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-06-25