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
Massachusetts vs Utah Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $1,121 less state income tax a year in Utah than in Massachusetts, which is about $93 a month. At $150,000 the gap is $1,496 in favor of Utah.
Massachusetts: up to 9%Utah: 4.5% flatUpdated October 10, 2026
Compare Massachusetts 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.
2Massachusetts
22.6%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $3,530
- Payroll tax (FICA)
- $5,738
- Total tax
- $16,938
- Net income (annual)
- $58,063
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
Massachusetts
Monthly gross$6,250
Monthly tax$1,411
Monthly take-home$4,839
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
Massachusetts vs Utah: how the two systems differ
| Massachusetts | Utah | |
|---|---|---|
| Wage income tax | Progressive, 2 brackets | Flat 4.5% |
| Top rate | 9% | 4.5% |
| Lowest rate | 5% | 4.5% |
| Deductions and credits (single) | $4,400 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 | MA state tax | UT state tax | Difference | MA take-home | UT take-home |
|---|---|---|---|---|---|
| $30,000 | $1,280 | $384 | $896 less in Utah | $25,005 | $25,901 |
| $40,000 | $1,780 | $834 | $946 less in Utah | $32,540 | $33,486 |
| $50,000 | $2,280 | $1,284 | $996 less in Utah | $40,075 | $41,071 |
| $60,000 | $2,780 | $1,734 | $1,046 less in Utah | $47,610 | $48,656 |
| $75,000 | $3,530 | $2,409 | $1,121 less in Utah | $58,063 | $59,184 |
| $100,000 | $4,780 | $3,534 | $1,246 less in Utah | $74,400 | $75,646 |
| $150,000 | $7,280 | $5,784 | $1,496 less in Utah | $106,511 | $108,007 |
| $250,000 | $12,280 | $10,284 | $1,996 less in Utah | $170,902 | $172,898 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | MA state tax | UT state tax | Difference | MA take-home | UT take-home |
|---|---|---|---|---|---|
| $75,000 | $3,310 | $1,443 | $1,867 less in Utah | $61,313 | $63,180 |
| $100,000 | $4,560 | $2,568 | $1,992 less in Utah | $80,150 | $82,142 |
| $150,000 | $7,060 | $4,818 | $2,242 less in Utah | $116,125 | $118,367 |
| $250,000 | $12,060 | $9,318 | $2,742 less in Utah | $185,408 | $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 Massachusetts for a single filer, so there is no income level where the ranking flips.
Rates side by side
Massachusetts (single filers)
| 5% | Up to $1,083,150 |
| 9% | Over $1,083,150 |
Utah (single filers)
| 4.5% | Over $0 |
- Massachusetts: The 9% rate is the 4% “millionaires tax” surtax on income above the threshold, added to the 5% base rate.
- Utah: Utah’s credit phases out as income rises, which is not modeled here.
Full details for each state: Massachusetts income tax calculator and Utah income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Massachusetts vs Utah FAQ
Which has lower income tax, Massachusetts or Utah?+
Utah is lower at $75,000: $2,409 of state income tax versus $3,530 in Massachusetts. At $150,000 it is $7,280 in Massachusetts 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 Massachusetts for a single filer, so there is no income level where the ranking flips.
How much more do I keep on $100,000 in Massachusetts versus Utah?+
A single filer keeping $74,400 a year in Massachusetts would keep $75,646 in Utah after federal, state and payroll tax. The difference is $1,246 a year, or $104 a month.
How do the Massachusetts and Utah income tax systems differ?+
Massachusetts uses progressive rates up to 9%; Utah uses a flat 4.5% rate.
Are local taxes included in this Massachusetts 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 Massachusetts 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.