1New Mexico
Lowest21.0%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,359
- Payroll tax (FICA)
- $5,738
- Total tax
- $15,767
- Net income (annual)
- $59,233
Tax year 2026 · state vs state
New Mexico vs Utah Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $50 less state income tax a year in New Mexico than in Utah, which is about $4 a month. At $150,000 the gap is $235 in favor of Utah.
New Mexico: up to 5.9%Utah: 4.5% flatUpdated October 10, 2026
Compare New Mexico 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.
2Utah
21.1%
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
Advanced analysis (optional)
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💰 Monthly breakdown
Your take-home pay, spread across the year
New Mexico
Monthly gross$6,250
Monthly tax$1,314
Monthly take-home$4,936
Utah
Monthly gross$6,250
Monthly tax$1,318
Monthly take-home$4,932
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 Mexico vs Utah: how the two systems differ
| New Mexico | Utah | |
|---|---|---|
| Wage income tax | Progressive, 6 brackets | Flat 4.5% |
| Top rate | 5.9% | 4.5% |
| Lowest rate | 1.5% | 4.5% |
| Deductions and credits (single) | $16,100 standard deduction | $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 | NM state tax | UT state tax | Difference | NM take-home | UT take-home |
|---|---|---|---|---|---|
| $30,000 | $351 | $384 | $33 less in New Mexico | $25,934 | $25,901 |
| $40,000 | $753 | $834 | $81 less in New Mexico | $33,567 | $33,486 |
| $50,000 | $1,184 | $1,284 | $100 less in New Mexico | $41,171 | $41,071 |
| $60,000 | $1,654 | $1,734 | $80 less in New Mexico | $48,736 | $48,656 |
| $75,000 | $2,359 | $2,409 | $50 less in New Mexico | $59,233 | $59,184 |
| $100,000 | $3,569 | $3,534 | $35 less in Utah | $75,611 | $75,646 |
| $150,000 | $6,019 | $5,784 | $235 less in Utah | $107,772 | $108,007 |
| $250,000 | $11,158 | $10,284 | $874 less in Utah | $172,024 | $172,898 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | NM state tax | UT state tax | Difference | NM take-home | UT take-home |
|---|---|---|---|---|---|
| $75,000 | $1,429 | $1,443 | $14 less in New Mexico | $63,193 | $63,180 |
| $100,000 | $2,576 | $2,568 | $8 less in Utah | $82,134 | $82,142 |
| $150,000 | $4,961 | $4,818 | $143 less in Utah | $118,224 | $118,367 |
| $250,000 | $9,861 | $9,318 | $543 less in Utah | $187,607 | $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?
For a single filer, New Mexico and Utah charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Utah is the lower-tax state. The order flips again near $30,000, so the better state depends on where your income falls.
Rates side by side
New Mexico (single filers)
| 1.5% | Up to $5,500 |
| 3.2% | $5,501 to $16,500 |
| 4.3% | $16,501 to $33,500 |
| 4.7% | $33,501 to $66,500 |
| 4.9% | $66,501 to $210,000 |
| 5.9% | Over $210,000 |
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: New Mexico income tax calculator and Utah income tax calculator. Federal rates are on the 2026 federal tax brackets page.
New Mexico vs Utah FAQ
Which has lower income tax, New Mexico or Utah?+
New Mexico is lower at $75,000: $2,359 of state income tax versus $2,409 in Utah. At $150,000 it is $6,019 in New Mexico and $5,784 in Utah. For a single filer, New Mexico and Utah charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Utah is the lower-tax state. The order flips again near $30,000, so the better state depends on where your income falls.
How much more do I keep on $100,000 in New Mexico versus Utah?+
A single filer keeping $75,611 a year in New Mexico would keep $75,646 in Utah after federal, state and payroll tax. The difference is $35 a year, or $3 a month.
How do the New Mexico and Utah income tax systems differ?+
New Mexico uses progressive rates up to 5.9%; 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 New Mexico 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 New Mexico 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.