1New Hampshire
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
New Hampshire vs New Jersey Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $2,598 less state income tax a year in New Hampshire than in New Jersey, which is about $216 a month. At $150,000 the gap is $7,367 in favor of New Hampshire.
New Hampshire: no state taxNew Jersey: up to 10.75%Updated October 10, 2026
Compare New Hampshire 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.
2New Jersey
21.3%
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
Advanced analysis (optional)
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💰 Monthly breakdown
Your take-home pay, spread across the year
New Hampshire
Monthly gross$6,250
Monthly tax$1,117
Monthly take-home$5,133
New Jersey
Monthly gross$6,250
Monthly tax$1,334
Monthly take-home$4,916
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
New Hampshire vs New Jersey: how the two systems differ
| New Hampshire | New Jersey | |
|---|---|---|
| Wage income tax | No tax on wages | Progressive, 7 brackets |
| Top rate | 0% | 10.75% |
| Lowest rate | 0% | 1.4% |
| Deductions and credits (single) | Not applicable | $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 | NH state tax | NJ state tax | Difference | NH take-home | NJ take-home |
|---|---|---|---|---|---|
| $30,000 | $0 | $438 | $438 less in New Hampshire | $26,285 | $25,848 |
| $40,000 | $0 | $683 | $683 less in New Hampshire | $34,320 | $33,638 |
| $50,000 | $0 | $1,215 | $1,215 less in New Hampshire | $42,355 | $41,140 |
| $60,000 | $0 | $1,768 | $1,768 less in New Hampshire | $50,390 | $48,622 |
| $75,000 | $0 | $2,598 | $2,598 less in New Hampshire | $61,593 | $58,995 |
| $100,000 | $0 | $4,182 | $4,182 less in New Hampshire | $79,180 | $74,998 |
| $150,000 | $0 | $7,367 | $7,367 less in New Hampshire | $113,791 | $106,424 |
| $250,000 | $0 | $13,737 | $13,737 less in New Hampshire | $183,182 | $169,445 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | NH state tax | NJ state tax | Difference | NH take-home | NJ take-home |
|---|---|---|---|---|---|
| $75,000 | $0 | $1,400 | $1,400 less in New Hampshire | $64,623 | $63,223 |
| $100,000 | $0 | $2,640 | $2,640 less in New Hampshire | $84,710 | $82,070 |
| $150,000 | $0 | $5,405 | $5,405 less in New Hampshire | $123,185 | $117,780 |
| $250,000 | $0 | $11,759 | $11,759 less in New Hampshire | $197,468 | $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?
Across every income from $10,000 to $1,000,000 that we tested, New Hampshire charges the same or less state income tax than New Jersey for a single filer, so there is no income level where the ranking flips.
Rates side by side
New Hampshire (single filers)
New Hampshire does not tax wages. Its tax on interest and dividends was fully repealed starting in 2025.
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: New Hampshire income tax calculator and New Jersey income tax calculator. Federal rates are on the 2026 federal tax brackets page.
New Hampshire vs New Jersey FAQ
Which has lower income tax, New Hampshire or New Jersey?+
New Hampshire is lower at $75,000: $0 of state income tax versus $2,598 in New Jersey. At $150,000 it is $0 in New Hampshire and $7,367 in New Jersey. Across every income from $10,000 to $1,000,000 that we tested, New Hampshire charges the same or less state income tax than New Jersey for a single filer, so there is no income level where the ranking flips.
How much more do I keep on $100,000 in New Hampshire versus New Jersey?+
A single filer keeping $79,180 a year in New Hampshire would keep $74,998 in New Jersey after federal, state and payroll tax. The difference is $4,182 a year, or $348 a month.
How do the New Hampshire and New Jersey income tax systems differ?+
New Hampshire has no tax on wages; New Jersey uses progressive rates up to 10.75%.
Are local taxes included in this New Hampshire 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 New Hampshire 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.