1Tennessee
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
Tennessee vs Utah Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $2,409 less state income tax a year in Tennessee than in Utah, which is about $201 a month. At $150,000 the gap is $5,784 in favor of Tennessee.
Tennessee: no state taxUtah: 4.5% flatUpdated October 10, 2026
Compare Tennessee 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
Tennessee
Monthly gross$6,250
Monthly tax$1,117
Monthly take-home$5,133
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.
Tennessee vs Utah: how the two systems differ
| Tennessee | Utah | |
|---|---|---|
| Wage income tax | No tax on wages | Flat 4.5% |
| Top rate | 0% | 4.5% |
| Lowest rate | 0% | 4.5% |
| Deductions and credits (single) | Not applicable | $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 | TN state tax | UT state tax | Difference | TN take-home | UT take-home |
|---|---|---|---|---|---|
| $30,000 | $0 | $384 | $384 less in Tennessee | $26,285 | $25,901 |
| $40,000 | $0 | $834 | $834 less in Tennessee | $34,320 | $33,486 |
| $50,000 | $0 | $1,284 | $1,284 less in Tennessee | $42,355 | $41,071 |
| $60,000 | $0 | $1,734 | $1,734 less in Tennessee | $50,390 | $48,656 |
| $75,000 | $0 | $2,409 | $2,409 less in Tennessee | $61,593 | $59,184 |
| $100,000 | $0 | $3,534 | $3,534 less in Tennessee | $79,180 | $75,646 |
| $150,000 | $0 | $5,784 | $5,784 less in Tennessee | $113,791 | $108,007 |
| $250,000 | $0 | $10,284 | $10,284 less in Tennessee | $183,182 | $172,898 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | TN state tax | UT state tax | Difference | TN take-home | UT take-home |
|---|---|---|---|---|---|
| $75,000 | $0 | $1,443 | $1,443 less in Tennessee | $64,623 | $63,180 |
| $100,000 | $0 | $2,568 | $2,568 less in Tennessee | $84,710 | $82,142 |
| $150,000 | $0 | $4,818 | $4,818 less in Tennessee | $123,185 | $118,367 |
| $250,000 | $0 | $9,318 | $9,318 less in Tennessee | $197,468 | $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, Tennessee and Utah charge the same state income tax (nothing) up to roughly $22,500 of income. Above that, Tennessee is the lower-tax state.
Rates side by side
Tennessee (single filers)
Tennessee has no state personal income tax. The old “Hall tax” on interest and dividends was repealed after 2020.
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: Tennessee income tax calculator and Utah income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Tennessee vs Utah FAQ
Which has lower income tax, Tennessee or Utah?+
Tennessee is lower at $75,000: $0 of state income tax versus $2,409 in Utah. At $150,000 it is $0 in Tennessee and $5,784 in Utah. For a single filer, Tennessee and Utah charge the same state income tax (nothing) up to roughly $22,500 of income. Above that, Tennessee is the lower-tax state.
How much more do I keep on $100,000 in Tennessee versus Utah?+
A single filer keeping $79,180 a year in Tennessee would keep $75,646 in Utah after federal, state and payroll tax. The difference is $3,534 a year, or $295 a month.
How do the Tennessee and Utah income tax systems differ?+
Tennessee has no tax on wages; Utah uses a flat 4.5% rate.
Are local taxes included in this Tennessee 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 Tennessee 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.