1Utah
Lowest21.1%
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
Tax year 2026 · state vs state
Hawaii vs Utah Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $1,761 less state income tax a year in Utah than in Hawaii, which is about $147 a month. At $150,000 the gap is $4,144 in favor of Utah.
Hawaii: up to 11%Utah: 4.5% flatUpdated October 10, 2026
Compare Hawaii 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.
2Hawaii
23.4%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $4,170
- Payroll tax (FICA)
- $5,738
- Total tax
- $17,577
- Net income (annual)
- $57,423
Advanced analysis (optional)
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💰 Monthly breakdown
Your take-home pay, spread across the year
Utah
Monthly gross$6,250
Monthly tax$1,318
Monthly take-home$4,932
Hawaii
Monthly gross$6,250
Monthly tax$1,465
Monthly take-home$4,785
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
Hawaii vs Utah: how the two systems differ
| Hawaii | Utah | |
|---|---|---|
| Wage income tax | Progressive, 12 brackets | Flat 4.5% |
| Top rate | 11% | 4.5% |
| Lowest rate | 1.4% | 4.5% |
| Deductions and credits (single) | $4,400 standard deduction, $1,144 personal exemption | $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 | HI state tax | UT state tax | Difference | HI take-home | UT take-home |
|---|---|---|---|---|---|
| $30,000 | $890 | $384 | $506 less in Utah | $25,395 | $25,901 |
| $40,000 | $1,570 | $834 | $736 less in Utah | $32,750 | $33,486 |
| $50,000 | $2,284 | $1,284 | $1,000 less in Utah | $40,071 | $41,071 |
| $60,000 | $3,030 | $1,734 | $1,296 less in Utah | $47,360 | $48,656 |
| $75,000 | $4,170 | $2,409 | $1,761 less in Utah | $57,423 | $59,184 |
| $100,000 | $6,070 | $3,534 | $2,536 less in Utah | $73,110 | $75,646 |
| $150,000 | $9,928 | $5,784 | $4,144 less in Utah | $103,863 | $108,007 |
| $250,000 | $18,217 | $10,284 | $7,933 less in Utah | $164,965 | $172,898 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | HI state tax | UT state tax | Difference | HI take-home | UT take-home |
|---|---|---|---|---|---|
| $75,000 | $2,800 | $1,443 | $1,357 less in Utah | $61,822 | $63,180 |
| $100,000 | $4,568 | $2,568 | $2,000 less in Utah | $80,142 | $82,142 |
| $150,000 | $8,340 | $4,818 | $3,522 less in Utah | $114,845 | $118,367 |
| $250,000 | $15,940 | $9,318 | $6,622 less in Utah | $181,528 | $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?
Across every income from $10,000 to $1,000,000 that we tested, Utah charges the same or less state income tax than Hawaii for a single filer, so there is no income level where the ranking flips.
Rates side by side
Hawaii (single filers)
| 1.4% | Up to $9,600 |
| 3.2% | $9,601 to $14,400 |
| 5.5% | $14,401 to $19,200 |
| 6.4% | $19,201 to $24,000 |
| 6.8% | $24,001 to $36,000 |
| 7.2% | $36,001 to $48,000 |
| 7.6% | $48,001 to $125,000 |
| 7.9% | $125,001 to $175,000 |
| 8.25% | $175,001 to $225,000 |
| 9% | $225,001 to $275,000 |
| 10% | $275,001 to $325,000 |
| 11% | Over $325,000 |
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: Hawaii income tax calculator and Utah income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Hawaii vs Utah FAQ
Which has lower income tax, Hawaii or Utah?+
Utah is lower at $75,000: $2,409 of state income tax versus $4,170 in Hawaii. At $150,000 it is $9,928 in Hawaii and $5,784 in Utah. Across every income from $10,000 to $1,000,000 that we tested, Utah charges the same or less state income tax than Hawaii for a single filer, so there is no income level where the ranking flips.
How much more do I keep on $100,000 in Hawaii versus Utah?+
A single filer keeping $73,110 a year in Hawaii would keep $75,646 in Utah after federal, state and payroll tax. The difference is $2,536 a year, or $211 a month.
How do the Hawaii and Utah income tax systems differ?+
Hawaii uses progressive rates up to 11%; 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 Hawaii 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 Hawaii 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.