1New Jersey
Lowest21.3%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,598
- Payroll tax (FICA)
- $5,738
- Total tax
- $16,005
- Net income (annual)
- $58,995
Tax year 2026 · state vs state
Illinois vs New Jersey Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $970 less state income tax a year in New Jersey than in Illinois, which is about $81 a month. At $150,000 the gap is $87 in favor of Illinois.
Illinois: 4.95% flatNew Jersey: up to 10.75%Updated October 10, 2026
Compare Illinois and New Jersey 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
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💰 Monthly breakdown
Your take-home pay, spread across the year
New Jersey
Monthly gross$6,250
Monthly tax$1,334
Monthly take-home$4,916
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 New Jersey: how the two systems differ
| Illinois | New Jersey | |
|---|---|---|
| Wage income tax | Flat 4.95% | Progressive, 7 brackets |
| Top rate | 4.95% | 10.75% |
| Lowest rate | 4.95% | 1.4% |
| Deductions and credits (single) | $2,925 personal exemption | $1,000 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 | NJ state tax | Difference | IL take-home | NJ take-home |
|---|---|---|---|---|---|
| $30,000 | $1,340 | $438 | $903 less in New Jersey | $24,945 | $25,848 |
| $40,000 | $1,835 | $683 | $1,153 less in New Jersey | $32,485 | $33,638 |
| $50,000 | $2,330 | $1,215 | $1,115 less in New Jersey | $40,025 | $41,140 |
| $60,000 | $2,825 | $1,768 | $1,057 less in New Jersey | $47,565 | $48,622 |
| $75,000 | $3,568 | $2,598 | $970 less in New Jersey | $58,025 | $58,995 |
| $100,000 | $4,805 | $4,182 | $623 less in New Jersey | $74,375 | $74,998 |
| $150,000 | $7,280 | $7,367 | $87 less in Illinois | $106,511 | $106,424 |
| $250,000 | $12,230 | $13,737 | $1,507 less in Illinois | $170,952 | $169,445 |
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 | NJ state tax | Difference | IL take-home | NJ take-home |
|---|---|---|---|---|---|
| $75,000 | $3,423 | $1,400 | $2,023 less in New Jersey | $61,200 | $63,223 |
| $100,000 | $4,660 | $2,640 | $2,020 less in New Jersey | $80,050 | $82,070 |
| $150,000 | $7,135 | $5,405 | $1,730 less in New Jersey | $116,050 | $117,780 |
| $250,000 | $12,085 | $11,759 | $327 less in New Jersey | $185,383 | $185,709 |
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, New Jersey is the lower-tax state up to roughly $145,000 of income, and Illinois becomes the lower-tax state above that.
Rates side by side
Illinois (single filers)
| 4.95% | Over $0 |
New Jersey (single filers)
| 1.4% | Up to $20,000 |
| 1.75% | $20,001 to $35,000 |
| 3.5% | $35,001 to $40,000 |
| 5.53% | $40,001 to $75,000 |
| 6.37% | $75,001 to $500,000 |
| 8.97% | $500,001 to $1,000,000 |
| 10.75% | Over $1,000,000 |
Full details for each state: Illinois income tax calculator and New Jersey income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Illinois vs New Jersey FAQ
Which has lower income tax, Illinois or New Jersey?+
New Jersey is lower at $75,000: $2,598 of state income tax versus $3,568 in Illinois. At $150,000 it is $7,280 in Illinois and $7,367 in New Jersey. For a single filer, New Jersey is the lower-tax state up to roughly $145,000 of income, and Illinois becomes the lower-tax state above that.
How much more do I keep on $100,000 in Illinois versus New Jersey?+
A single filer keeping $74,375 a year in Illinois would keep $74,998 in New Jersey after federal, state and payroll tax. The difference is $623 a year, or $52 a month.
How do the Illinois and New Jersey income tax systems differ?+
Illinois uses a flat 4.95% rate; New Jersey uses progressive rates up to 10.75%.
Are local taxes included in this Illinois vs New Jersey 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 New Jersey 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.