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Mississippi Paycheck Calculator (2026)

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

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Quick answer

Mississippi applies a flat 4% state income tax to wage income, the result of a multi-year transition from a graduated schedule and toward eventual elimination of the lowest bracket. At $85,000 single, the after-tax estimate is $65,320 per year. No MS city or county adds a wage tax.

Mississippi's flat 4% state income tax replaced an older graduated schedule under House Bill 531 and subsequent phase-down legislation, with statutory triggers aimed at lowering the rate further in upcoming tax years. The state's tax structure leans on relatively low income tax paired with a low cost of living, particularly outside the Jackson and Gulf Coast metros. Sales tax sits in the middle of the regional range; property tax remains among the lowest in the country. Mississippi runs no SDI program, no Paid Family Leave deduction, and no city or county wage tax in Jackson, Gulfport, Biloxi, Tupelo, Oxford, Hattiesburg, or Pascagoula. The Gulf Coast casino economy and the shipbuilding base around Pascagoula's Ingalls yard add wage diversity to a workforce that has historically tracked agricultural, healthcare, and manufacturing employment. At $85,000 for a single filer, federal income tax lands at $9,870, state income tax at $3,308, combined FICA at $6,503, and take-home for the year at $65,320. The effective total rate is 23.15%. Use the calculator below to model 401(k) or HSA contributions or compare Mississippi against neighboring Alabama, Louisiana, or Tennessee.

Mississippi state tax breakdown

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

Taxable IncomeRate
$0+4%

vs. baseline ($85,000 single filer)

A $85,000 salary in Mississippi takes home approximately $3,300 less than the same salary in a no-income-tax state like Texas or Florida.

What this estimate includes

This calculator computes Mississippi 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), Mississippi'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.

Mississippi paycheck FAQ

What is the federal tax bill on $85,000 single in Mississippi for 2026?
A $85,000 single filer in Mississippi 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 apply identically across all states, so a Mississippi resident sees the same federal line as an Alabama or Tennessee counterpart at this gross.
How much Mississippi state tax does someone owe on $85,000?
Mississippi state income tax at $85,000 for a single filer is approximately $3,308, an effective state rate of 3.89%. Because the schedule is flat at 4%, the marginal and effective rates land at the same headline figure. No SDI deduction applies, and no city or county wage tax stacks on top.
Do Jackson, Gulfport, or any other Mississippi city tax wages?
Cities and counties in Mississippi do not impose a separate income tax on employee wages. Jackson, Gulfport, Biloxi, Tupelo, Oxford, Hattiesburg, Meridian, and Pascagoula residents all see the same state line on the pay stub. Sales tax, casino-revenue distributions, and federal grants cover most of the local-government revenue load.
How much does a 401(k) contribution save at $85,000 in Mississippi?
At $85,000 single in Mississippi, the combined marginal rate is 26% (federal 22% plus state 4%). Traditional 401(k) and HSA contributions reduce both federal and Mississippi taxable income at that combined rate. The flat state structure keeps the per-dollar saving stable across the salary range, with no progressive-bracket math to track.
What changes for married filing jointly, head of household, or filing separately at $85,000 in Mississippi?
MFJ at $85,000 in Mississippi produces take-home of about $69,442, roughly $4,122 more than the single estimate. Wider federal MFJ brackets and the doubled federal standard deduction drive most of the gap; Mississippi's 4% flat rate is filing-status-neutral, though the state's small dependent and pension exemptions scale slightly with household composition. Filing as Head of Household lifts take-home to about $68,242, around $2,922 more than Single, with the wider federal HoH brackets accounting for the entire shift. Combined Married Filing Separately take-home runs roughly $4,122 less than MFJ.
How does Mississippi compare to Alabama at $85,000?
Alabama's progressive schedule tops above Mississippi's flat rate, but Alabama's federal-tax-deductibility provision narrows the gap at higher incomes. The take-home difference between Mississippi and Alabama at $85,000 single is roughly $209 per year. Federal tax and FICA are identical between the two; the structural difference is bracket-based versus single-rate.

Take-home at common salaries for Mississippi

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

$50,000 after taxesin Mississippi$75,000 after taxesin Mississippi$100,000 after taxesin Mississippi$150,000 after taxesin Mississippi$200,000 after taxesin Mississippi$250,000 after taxesin Mississippi

See also

Start from the full US take-home calculatorRun the same numbers against TennesseeCompare to the Alabama paycheck calculatorLouisiana take-home, for comparisonArkansas take-home, for comparisonEstimate hourly take-home in MississippiEstimate quarterly self-employment tax in MississippiMississippi bonus and supplemental wage withholdingCompare paycheck taxes between two locationsPlain-English glossary of paycheck termsHow these estimates are built, line by line

Reviewed

How This Page Is Reviewed

The Mississippi 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