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 Utah Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $937 less state income tax a year in Arizona than in Utah, which is about $78 a month. At $150,000 the gap is $2,437 in favor of Arizona.
Arizona: 2.5% flatUtah: 4.5% flatUpdated October 10, 2026
Compare Arizona and Utah 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.
2Utah
21.1%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,409
- Payroll tax (FICA)
- $5,738
- Total tax
- $15,817
- Net income (annual)
- $59,184
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
Utah
Monthly gross$6,250
Monthly tax$1,318
Monthly take-home$4,932
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 Utah: how the two systems differ
| Arizona | Utah | |
|---|---|---|
| Wage income tax | Flat 2.5% | Flat 4.5% |
| Top rate | 2.5% | 4.5% |
| Lowest rate | 2.5% | 4.5% |
| Deductions and credits (single) | $16,100 standard deduction | $966 personal credit |
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 | UT state tax | Difference | AZ take-home | UT take-home |
|---|---|---|---|---|---|
| $30,000 | $348 | $384 | $37 less in Arizona | $25,938 | $25,901 |
| $40,000 | $598 | $834 | $237 less in Arizona | $33,723 | $33,486 |
| $50,000 | $848 | $1,284 | $437 less in Arizona | $41,508 | $41,071 |
| $60,000 | $1,098 | $1,734 | $637 less in Arizona | $49,293 | $48,656 |
| $75,000 | $1,473 | $2,409 | $937 less in Arizona | $60,120 | $59,184 |
| $100,000 | $2,098 | $3,534 | $1,437 less in Arizona | $77,083 | $75,646 |
| $150,000 | $3,348 | $5,784 | $2,437 less in Arizona | $110,444 | $108,007 |
| $250,000 | $5,848 | $10,284 | $4,437 less in Arizona | $177,335 | $172,898 |
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 | UT state tax | Difference | AZ take-home | UT take-home |
|---|---|---|---|---|---|
| $75,000 | $1,070 | $1,443 | $373 less in Arizona | $63,553 | $63,180 |
| $100,000 | $1,695 | $2,568 | $873 less in Arizona | $83,015 | $82,142 |
| $150,000 | $2,945 | $4,818 | $1,873 less in Arizona | $120,240 | $118,367 |
| $250,000 | $5,445 | $9,318 | $3,873 less in Arizona | $192,023 | $188,150 |
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?
For a single filer, Arizona and Utah charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Utah is the lower-tax state. The order flips again near $30,000, so the better state depends on where your income falls.
Rates side by side
Arizona (single filers)
| 2.5% | Over $0 |
Utah (single filers)
| 4.5% | Over $0 |
- Utah: Utah’s credit phases out as income rises, which is not modeled here.
Full details for each state: Arizona income tax calculator and Utah income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Arizona vs Utah FAQ
Which has lower income tax, Arizona or Utah?+
Arizona is lower at $75,000: $1,473 of state income tax versus $2,409 in Utah. At $150,000 it is $3,348 in Arizona and $5,784 in Utah. For a single filer, Arizona and Utah charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Utah is the lower-tax state. The order flips again near $30,000, so the better state depends on where your income falls.
How much more do I keep on $100,000 in Arizona versus Utah?+
A single filer keeping $77,083 a year in Arizona would keep $75,646 in Utah after federal, state and payroll tax. The difference is $1,437 a year, or $120 a month.
How do the Arizona and Utah income tax systems differ?+
Arizona uses a flat 2.5% rate; Utah uses a flat 4.5% rate. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this Arizona vs Utah 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 Utah 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.