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Phoenix Paycheck Calculator (2026)

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

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Phoenix applies Arizona's flat 2.5% state income tax — one of the lowest broad-based state rates in the country. No state-administered SDI or PFML applies. At $85,000 single in Phoenix, the state line resolves to $2,125 with federal tax and FICA on top, leaving take-home of $66,503 per year.

Phoenix anchors a sprawling metropolitan area across the Salt River Valley, the fastest-growing major US metro by population gain since 2020. Intel operates two semiconductor fabrication facilities in Chandler, with a third announced under the CHIPS Act; Microsoft, Google, and Amazon run major data center clusters in the Goodyear-Mesa corridor. Honeywell Aerospace headquarters sits in north Phoenix; GoDaddy maintains its corporate headquarters in Tempe. Banner Health and Mayo Clinic Phoenix anchor a substantial healthcare base. Charles Schwab and Wells Fargo operate large back-office and technology centers in the metro. Arizona reformed its income tax in 2023, collapsing a progressive schedule into a single flat rate of 2.5% on all wages — among the lowest broad-based state income tax rates in the country. Arizona operates no state-administered SDI or PFML, so the state line is income tax only. Median rent in Phoenix runs roughly $1,700 monthly. At $85,000 single, federal tax resolves to $9,870, Arizona state tax to $2,125, FICA combined to $6,503, leaving take-home of $66,503.

$85,000 single filer take-home comparison

Phoenix

$66,500

Arizona (no city tax)

$66,500

Texas (no income tax)

$68,600

Phoenix take-home is $0 vs the state-only figure and -$2,100 vs the no-income-tax baseline.

How Arizona tax applies in Phoenix

Phoenix does not levy a separate municipal income tax. Your paycheck math runs the Arizona state schedule on top of federal tax and FICA. The Arizona state page covers the full bracket detail and any state-administered programs (such as SDI or paid leave) that apply uniformly to every resident of the state.

Open the Arizona paycheck calculator

What this estimate includes

This calculator computes Phoenix take-home pay using 2026 federal brackets after the standard deduction, FICA contributions (Social Security up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), and Arizona's state income tax schedule. No municipal income tax applies in Phoenix. The calculator 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.

Phoenix paycheck FAQ

How much state tax does Phoenix pay?
Arizona applies a flat 2.5% rate to all wages, having phased out its prior progressive schedule by 2023. Every wage dollar is taxed at the same percentage regardless of income. Phoenix residents at $85,000 single see a state tax line of $2,125. The 2.5% rate is among the lowest broad-based state income tax rates in the country.
What state-administered payroll programs apply in Phoenix?
Arizona does not run a state SDI, PFML, or paid-leave employee contribution. The state line on a Phoenix pay stub is Arizona income tax only. Large Phoenix employers (Intel, Honeywell, Banner Health) offer private disability and family leave benefits packages but those are employer programs rather than state-mandated employee deductions.
What changes for married filing jointly, head of household, or filing separately at $85,000 in Phoenix?
Arizona's flat-rate schedule treats every filing status the same on the state line — Single, MFJ, HoH, and MFS all pay 2.5% of taxable wages. So in Phoenix, federal mechanics drive the entire filing-status take-home difference. At $85,000, MFJ take-home reaches $70,533 ($4,030 more than single). Head of household clears $69,425. Married filing separately lands at $66,503. The federal MFJ-vs-single advantage is the only filing-status wedge in Phoenix; Arizona's flat rate offers no state-level filing-status planning.
Does Phoenix have a city income tax?
No. Phoenix does not levy a city income tax. Arizona state law does not authorize broad-based municipal income taxes, so neither the City of Phoenix nor Maricopa County imposes one. Phoenix funds itself through property tax, transaction privilege tax (Arizona's version of sales tax), bed tax on hotel stays, utility revenue, and various licensing fees.
How does Phoenix compare to Las Vegas or Salt Lake City for paycheck taxes?
Las Vegas sits in Nevada, which has no state income tax at all — a Las Vegas paycheck takes home roughly the $2,125 Arizona state line more annually than Phoenix. Salt Lake City applies Utah's flat 4.55% rate, so Salt Lake paychecks take home meaningfully less than Phoenix at identical gross. Phoenix's 2.5% sits between the two among Western states.
Where does Phoenix differ from Tucson?
Tucson, two hours southeast, shares Phoenix's Arizona state-tax framework precisely — same flat 2.5%, same lack of state-administered programs. Take-home at $85,000 is identical for Phoenix and Tucson residents. The differences sit in industry mix (Tucson leans on University of Arizona, Raytheon Missile Systems, and Davis-Monthan AFB; Phoenix on tech manufacturing and healthcare) and cost of living (Tucson cheaper).

See also

Run the full Arizona paycheck calculatorBrowse all city paycheck calculatorsBrowse paycheck calculators by statePaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The Phoenix paycheck page is reviewed against primary federal, state, and city 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

2026-05-28