1Florida
Lowest17.9%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $0
- Payroll tax (FICA)
- $5,738
- Total tax
- $13,408
- Net income (annual)
- $61,593
Tax year 2026 · state vs state
Florida vs Illinois Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $3,568 less state income tax a year in Florida than in Illinois, which is about $297 a month. At $150,000 the gap is $7,280 in favor of Florida.
Florida: no state taxIllinois: 4.95% flatUpdated October 10, 2026
Compare Florida 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)
Choose which extra insights you would like to see.
💰 Monthly breakdown
Your take-home pay, spread across the year
Florida
Monthly gross$6,250
Monthly tax$1,117
Monthly take-home$5,133
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.
Florida vs Illinois: how the two systems differ
| Florida | Illinois | |
|---|---|---|
| Wage income tax | No tax on wages | Flat 4.95% |
| Top rate | 0% | 4.95% |
| Lowest rate | 0% | 4.95% |
| Deductions and credits (single) | Not applicable | $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 | FL state tax | IL state tax | Difference | FL take-home | IL take-home |
|---|---|---|---|---|---|
| $30,000 | $0 | $1,340 | $1,340 less in Florida | $26,285 | $24,945 |
| $40,000 | $0 | $1,835 | $1,835 less in Florida | $34,320 | $32,485 |
| $50,000 | $0 | $2,330 | $2,330 less in Florida | $42,355 | $40,025 |
| $60,000 | $0 | $2,825 | $2,825 less in Florida | $50,390 | $47,565 |
| $75,000 | $0 | $3,568 | $3,568 less in Florida | $61,593 | $58,025 |
| $100,000 | $0 | $4,805 | $4,805 less in Florida | $79,180 | $74,375 |
| $150,000 | $0 | $7,280 | $7,280 less in Florida | $113,791 | $106,511 |
| $250,000 | $0 | $12,230 | $12,230 less in Florida | $183,182 | $170,952 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | FL state tax | IL state tax | Difference | FL take-home | IL take-home |
|---|---|---|---|---|---|
| $75,000 | $0 | $3,423 | $3,423 less in Florida | $64,623 | $61,200 |
| $100,000 | $0 | $4,660 | $4,660 less in Florida | $84,710 | $80,050 |
| $150,000 | $0 | $7,135 | $7,135 less in Florida | $123,185 | $116,050 |
| $250,000 | $0 | $12,085 | $12,085 less in Florida | $197,468 | $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, Florida 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
Florida (single filers)
Florida has no state personal income tax. State revenue comes mainly from sales tax and tourism-related taxes.
Illinois (single filers)
| 4.95% | Over $0 |
Full details for each state: Florida income tax calculator and Illinois income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Florida vs Illinois FAQ
Which has lower income tax, Florida or Illinois?+
Florida is lower at $75,000: $0 of state income tax versus $3,568 in Illinois. At $150,000 it is $0 in Florida and $7,280 in Illinois. Across every income from $10,000 to $1,000,000 that we tested, Florida 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 Florida versus Illinois?+
A single filer keeping $79,180 a year in Florida would keep $74,375 in Illinois after federal, state and payroll tax. The difference is $4,805 a year, or $400 a month.
How do the Florida and Illinois income tax systems differ?+
Florida has no tax on wages; Illinois uses a flat 4.95% rate.
Are local taxes included in this Florida 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 Florida 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.
More state comparisons
- California vs Florida
- Florida vs New York
- Illinois vs Texas
- California vs Illinois
- Illinois vs New York
- Illinois vs Washington
- All state comparisons →
Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.