1Michigan
Lowest21.8%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,937
- Payroll tax (FICA)
- $5,738
- Total tax
- $16,344
- Net income (annual)
- $58,656
Tax year 2026 · state vs state
Illinois vs Michigan Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $631 less state income tax a year in Michigan than in Illinois, which is about $53 a month. At $150,000 the gap is $1,156 in favor of Michigan.
Illinois: 4.95% flatMichigan: 4.25% flatUpdated October 10, 2026
Compare Illinois and Michigan 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
Michigan
Monthly gross$6,250
Monthly tax$1,362
Monthly take-home$4,888
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.
Illinois vs Michigan: how the two systems differ
| Illinois | Michigan | |
|---|---|---|
| Wage income tax | Flat 4.95% | Flat 4.25% |
| Top rate | 4.95% | 4.25% |
| Lowest rate | 4.95% | 4.25% |
| Deductions and credits (single) | $2,925 personal exemption | $5,900 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 | IL state tax | MI state tax | Difference | IL take-home | MI take-home |
|---|---|---|---|---|---|
| $30,000 | $1,340 | $1,024 | $316 less in Michigan | $24,945 | $25,261 |
| $40,000 | $1,835 | $1,449 | $386 less in Michigan | $32,485 | $32,871 |
| $50,000 | $2,330 | $1,874 | $456 less in Michigan | $40,025 | $40,481 |
| $60,000 | $2,825 | $2,299 | $526 less in Michigan | $47,565 | $48,091 |
| $75,000 | $3,568 | $2,937 | $631 less in Michigan | $58,025 | $58,656 |
| $100,000 | $4,805 | $3,999 | $806 less in Michigan | $74,375 | $75,181 |
| $150,000 | $7,280 | $6,124 | $1,156 less in Michigan | $106,511 | $107,667 |
| $250,000 | $12,230 | $10,374 | $1,856 less in Michigan | $170,952 | $172,808 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | IL state tax | MI state tax | Difference | IL take-home | MI take-home |
|---|---|---|---|---|---|
| $75,000 | $3,423 | $2,686 | $737 less in Michigan | $61,200 | $61,937 |
| $100,000 | $4,660 | $3,749 | $912 less in Michigan | $80,050 | $80,962 |
| $150,000 | $7,135 | $5,874 | $1,262 less in Michigan | $116,050 | $117,312 |
| $250,000 | $12,085 | $10,124 | $1,962 less in Michigan | $185,383 | $187,345 |
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, Michigan 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
Illinois (single filers)
| 4.95% | Over $0 |
Michigan (single filers)
| 4.25% | Over $0 |
- Michigan: Some Michigan cities, such as Detroit, also levy a city income tax that is not included here.
Full details for each state: Illinois income tax calculator and Michigan income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Illinois vs Michigan FAQ
Which has lower income tax, Illinois or Michigan?+
Michigan is lower at $75,000: $2,937 of state income tax versus $3,568 in Illinois. At $150,000 it is $7,280 in Illinois and $6,124 in Michigan. Across every income from $10,000 to $1,000,000 that we tested, Michigan 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 Illinois versus Michigan?+
A single filer keeping $74,375 a year in Illinois would keep $75,181 in Michigan after federal, state and payroll tax. The difference is $806 a year, or $67 a month.
How do the Illinois and Michigan income tax systems differ?+
Illinois uses a flat 4.95% rate; Michigan uses a flat 4.25% rate.
Are local taxes included in this Illinois vs Michigan 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 Illinois to Michigan 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.