1Arizona
Lowest19.8%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $1,473
- Payroll tax (FICA)
- $5,738
- Total tax
- $14,880
- Net income (annual)
- $60,120
Tax year 2026 · state vs state
Arizona vs Illinois Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $2,095 less state income tax a year in Arizona than in Illinois, which is about $175 a month. At $150,000 the gap is $3,933 in favor of Arizona.
Arizona: 2.5% flatIllinois: 4.95% flatUpdated October 10, 2026
Compare Arizona and Illinois for your income
Estimate for education only, not tax advice. 2026 federal and state rules, standard deductions, no local taxes. How we calculate.
State comparison
Comparing 2 states, sorted by lowest overall tax rate.
2Illinois
22.6%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $3,568
- Payroll tax (FICA)
- $5,738
- Total tax
- $16,975
- Net income (annual)
- $58,025
Advanced analysis (optional)
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💰 Monthly breakdown
Your take-home pay, spread across the year
Arizona
Monthly gross$6,250
Monthly tax$1,240
Monthly take-home$5,010
Illinois
Monthly gross$6,250
Monthly tax$1,415
Monthly take-home$4,835
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
Arizona vs Illinois: how the two systems differ
| Arizona | Illinois | |
|---|---|---|
| Wage income tax | Flat 2.5% | Flat 4.95% |
| Top rate | 2.5% | 4.95% |
| Lowest rate | 2.5% | 4.95% |
| Deductions and credits (single) | $16,100 standard deduction | $2,925 personal exemption |
State income tax and take-home pay at every salary
The same salary can leave you with different take-home pay depending on the state. This table applies each state’s 2026 rules to a single filer with no pre-tax contributions.
| Income | AZ state tax | IL state tax | Difference | AZ take-home | IL take-home |
|---|---|---|---|---|---|
| $30,000 | $348 | $1,340 | $993 less in Arizona | $25,938 | $24,945 |
| $40,000 | $598 | $1,835 | $1,238 less in Arizona | $33,723 | $32,485 |
| $50,000 | $848 | $2,330 | $1,483 less in Arizona | $41,508 | $40,025 |
| $60,000 | $1,098 | $2,825 | $1,728 less in Arizona | $49,293 | $47,565 |
| $75,000 | $1,473 | $3,568 | $2,095 less in Arizona | $60,120 | $58,025 |
| $100,000 | $2,098 | $4,805 | $2,708 less in Arizona | $77,083 | $74,375 |
| $150,000 | $3,348 | $7,280 | $3,933 less in Arizona | $110,444 | $106,511 |
| $250,000 | $5,848 | $12,230 | $6,383 less in Arizona | $177,335 | $170,952 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | AZ state tax | IL state tax | Difference | AZ take-home | IL take-home |
|---|---|---|---|---|---|
| $75,000 | $1,070 | $3,423 | $2,353 less in Arizona | $63,553 | $61,200 |
| $100,000 | $1,695 | $4,660 | $2,965 less in Arizona | $83,015 | $80,050 |
| $150,000 | $2,945 | $7,135 | $4,190 less in Arizona | $120,240 | $116,050 |
| $250,000 | $5,445 | $12,085 | $6,640 less in Arizona | $192,023 | $185,383 |
Married filing jointly, 2026, federal standard deduction. Uses each state's joint brackets where they differ.
Does the lower-tax state change as income rises?
Across every income from $10,000 to $1,000,000 that we tested, Arizona charges the same or less state income tax than Illinois for a single filer, so there is no income level where the ranking flips.
Rates side by side
Arizona (single filers)
| 2.5% | Over $0 |
Illinois (single filers)
| 4.95% | Over $0 |
Full details for each state: Arizona income tax calculator and Illinois income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Arizona vs Illinois FAQ
Which has lower income tax, Arizona or Illinois?+
Arizona is lower at $75,000: $1,473 of state income tax versus $3,568 in Illinois. At $150,000 it is $3,348 in Arizona and $7,280 in Illinois. Across every income from $10,000 to $1,000,000 that we tested, Arizona charges the same or less state income tax than Illinois for a single filer, so there is no income level where the ranking flips.
How much more do I keep on $100,000 in Arizona versus Illinois?+
A single filer keeping $77,083 a year in Arizona would keep $74,375 in Illinois after federal, state and payroll tax. The difference is $2,708 a year, or $226 a month.
How do the Arizona and Illinois income tax systems differ?+
Arizona uses a flat 2.5% rate; Illinois uses a flat 4.95% rate. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this Arizona vs Illinois comparison?+
No. It covers federal income tax, Social Security, Medicare and state income tax only. City, county, sales and property taxes are not included, and they can change the real cost of living in each state.
Should I move from Arizona to Illinois to save on taxes?+
State income tax is one cost among many. Property and sales taxes, housing, insurance and wages also differ, and you may owe tax to both states in the year you move. Use this comparison as one input and confirm details with a tax professional.
Sources
- Tax Foundation: 2026 state individual income tax rates and brackets
- IRS: Tax inflation adjustments for tax year 2026
Last checked October 10, 2026. Confirm with your state tax agency before filing.
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Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.