Arizona paycheck: key takeaways
- Take-home: $60,120 a year ($2,312.31 biweekly) on a $75,000 salary — you keep 80.2% of your gross pay.
- Where it goes: $14,880 in taxes and payroll programs: $7,670 federal income tax, $5,738 Social Security and Medicare, $1,473 Arizona income tax.
- Next dollar: taxed at about 32.1% — a $5,000 raise adds $3,393 to take-home.
- Ranking: #11 of 51 for take-home pay at $75,000, and #31 once cost of living is included.
- Wage rules: minimum wage $15.15/hour; semi-monthly; Form A-4.
Take-home 80.2% · Federal tax 10.2% · Social Security 6.2% · Medicare 1.5% · Arizona tax 2.0%
Arizona paycheck at a glance
- 2.5% flatArizona state income tax on wages
- $60,120Take-home on $75,000 (single)
- 32.1%Combined tax on your next dollar
- #31 of 51After adjusting for cost of living
- $15.15/hrArizona minimum wage (July 2026)
- 8.54%Combined sales tax (state + average local)
- $81,486Median household income (2024)
- Form A-4State withholding form
Arizona take-home pay by salary (2026)
The table below shows what a single filer takes home in Arizona at common salaries, paid every two weeks with no pre-tax deductions. Click a salary for its dedicated Arizona breakdown, or change any input in the calculator above to match your own situation.
| Salary | Take-home / year | Per month | Biweekly | Tax rate |
|---|---|---|---|---|
| $30,000 | $25,938 | $2,161 | $997.60 | 13.5% |
| $40,000 | $33,723 | $2,810 | $1,297.02 | 15.7% |
| $50,000 | $41,508 | $3,459 | $1,596.44 | 17.0% |
| $60,000 | $49,293 | $4,108 | $1,895.87 | 17.8% |
| $75,000 | $60,120 | $5,010 | $2,312.31 | 19.8% |
| $100,000 | $77,083 | $6,424 | $2,964.71 | 22.9% |
| $150,000 | $110,444 | $9,204 | $4,247.83 | 26.4% |
The bars show the share of gross pay you keep. As income rises, federal brackets and Arizona's flat rate applied to more income pull that share down gradually — from 86.5% at $30,000 to 73.6% at $150,000.
Arizona salary ladder: $20,000 to $250,000
Filing status changes the result a lot. This ladder shows annual take-home pay in Arizona for a single filer, a married couple filing jointly on one income, and a head of household — from part-time earnings to high-income salaries.
| Gross salary | Single | Married (joint) | Head of household | Single: biweekly | Single: tax rate |
|---|---|---|---|---|---|
| $20,000 | $17,983 | $18,470 | $18,373 | $691.63 | 10.1% |
| $25,000 | $21,975 | $23,088 | $22,780 | $845.19 | 12.1% |
| $30,000 | $25,938 | $27,705 | $26,773 | $997.60 | 13.5% |
| $35,000 | $29,830 | $31,973 | $30,765 | $1,147.31 | 14.8% |
| $40,000 | $33,723 | $35,965 | $34,758 | $1,297.02 | 15.7% |
| $45,000 | $37,615 | $39,958 | $38,687 | $1,446.73 | 16.4% |
| $50,000 | $41,508 | $43,950 | $42,580 | $1,596.44 | 17.0% |
| $55,000 | $45,400 | $47,943 | $46,472 | $1,746.15 | 17.5% |
| $60,000 | $49,293 | $51,875 | $50,365 | $1,895.87 | 17.8% |
| $65,000 | $53,185 | $55,768 | $54,257 | $2,045.58 | 18.2% |
| $70,000 | $56,728 | $59,660 | $58,150 | $2,181.83 | 19.0% |
| $75,000 | $60,120 | $63,553 | $62,042 | $2,312.31 | 19.8% |
| $80,000 | $63,513 | $67,445 | $65,935 | $2,442.79 | 20.6% |
| $90,000 | $70,298 | $75,230 | $73,720 | $2,703.75 | 21.9% |
| $100,000 | $77,083 | $83,015 | $80,665 | $2,964.71 | 22.9% |
| $110,000 | $83,868 | $90,800 | $87,450 | $3,225.67 | 23.8% |
| $125,000 | $93,981 | $102,478 | $97,627 | $3,614.65 | 24.8% |
| $150,000 | $110,444 | $120,240 | $114,187 | $4,247.83 | 26.4% |
| $175,000 | $126,906 | $137,203 | $130,649 | $4,881.00 | 27.5% |
| $200,000 | $144,330 | $155,126 | $148,073 | $5,551.13 | 27.8% |
| $250,000 | $177,335 | $191,573 | $181,720 | $6,820.56 | 29.1% |
Effective and marginal rates diverge as pay rises. Effective rate is total tax divided by gross pay; marginal rate is the tax on your next dollar:
| Salary | Effective rate | Marginal rate (next $1) |
|---|---|---|
| $30,000 | 13.5% | 22.2% |
| $50,000 | 17.0% | 22.2% |
| $75,000 | 19.8% | 32.1% |
| $100,000 | 22.9% | 32.1% |
| $150,000 | 26.4% | 34.2% |
| $250,000 | 29.1% | 36.9% |
How the tax is calculated: a $75,000 worked example
Here is the full arithmetic for a single filer earning $75,000 in Arizona, so you can follow every dollar. Federal income tax is progressive: the standard deduction of $16,100 is subtracted first, leaving $58,900 of taxable income, and each slice is taxed at its own rate.
| Federal bracket | Income in bracket | Rate | Tax |
|---|---|---|---|
| $0 – $12,400 | $12,400 | 10% | $1,240 |
| $12,400 – $50,400 | $38,000 | 12% | $4,560 |
| $50,400 – $105,700 | $8,500 | 22% | $1,870 |
| Federal income tax | $7,670 |
IRS Publication 15-T withholding gives the same annual figure ($7,670) for a standard W-4. Next come the payroll taxes: Social Security at 6.2% of wages up to $184,500 ($4,650) and Medicare at 1.45% ($1,088).
Then Arizona: subtract the $16,100 standard deduction, which leaves $58,900 of Arizona taxable income.
| Arizona bracket | Income in bracket | Rate | Tax |
|---|---|---|---|
| $0+ | $58,900 | 2.5% | $1,473 |
| Arizona income tax | $1,473 |
Adding it all up: $7,670 federal + $5,738 FICA + $1,473 Arizona = $14,880 in total, so $60,120 is left — the same result as the calculator.
Arizona income tax rates and brackets for 2026
Arizona taxes wages at a flat 2.5%. The standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly. At $75,000, your next dollar of Arizona income is taxed at 2.5%.
Arizona uses a flat 2.5% rate and follows the federal standard deduction amounts.
Single filers
| Taxable income over | Rate |
|---|---|
| $0 | 2.5% |
What changed in Arizona for 2026
- All veterans’ pension payments are now excluded from income (previously only disability pensions).
- The adoption expense deduction rises from $3,000 to $5,000 (single) and $10,000 (joint).
Federal brackets, the standard deduction and FICA are covered in our 2026 federal tax bracket guide.
Reading your Arizona pay stub
Every deduction on a Arizona pay stub maps to a line in the calculator. Abbreviations vary by payroll provider, so here are the labels you are likely to see and what each one is:
| Deduction | Common stub labels |
|---|---|
| Federal income tax | FIT · FITW · FED W/H |
| Social Security | OASDI · SOC SEC · FICA-SS |
| Medicare | MED · MEDICARE · FICA-MED |
| Arizona income tax | AZ SIT · AZ W/H · AZ-PIT |
Pre-tax deductions such as a traditional 401(k), HSA or health premium appear above the tax lines and lower your taxable wages. Our pre-tax deductions guide explains which taxes each one reduces.
Arizona hourly wage to take-home pay
Working 40 hours a week for 52 weeks, a single filer in Arizona takes home these amounts in 2026. The last column is your real hourly wage after tax.
| Hourly wage | Gross / year | Take-home / year | Weekly take-home | After-tax hourly |
|---|---|---|---|---|
| $15.00 | $31,200 | $26,872 | $516.76 | $12.92 |
| $20.00 | $41,600 | $34,968 | $672.46 | $16.81 |
| $25.00 | $52,000 | $43,065 | $828.16 | $20.70 |
| $30.00 | $62,400 | $51,161 | $983.86 | $24.60 |
| $40.00 | $83,200 | $65,684 | $1,263.15 | $31.58 |
| $50.00 | $104,000 | $79,797 | $1,534.55 | $38.36 |
Overtime in Arizona: a $20/hour example
Overtime is paid at 1.5× for hours over 40 a week under federal law. Extra pay is taxed at your marginal rate, so overtime is worth less after tax than it looks:
| Overtime hours / week | Gross / year | Take-home / year | Weekly take-home | Kept from overtime |
|---|---|---|---|---|
| 0 hours | $41,600 | $34,968 | $672.46 | — |
| 5 hours | $49,400 | $41,040 | $789.24 | 77.9% |
| 10 hours | $57,200 | $47,113 | $906.01 | 77.8% |
| 15 hours | $65,000 | $53,185 | $1,022.79 | 77.9% |
Federal law also allows a deduction for qualified overtime pay through 2028, claimed when you file your return rather than reflected in paycheck withholding — see our overtime tax guide.
Arizona paycheck by pay frequency
Annual take-home is the same however often you are paid, but each check is different. For a $75,000 salary in Arizona (semi-monthly is what state law requires or permits):
| Pay frequency | Checks / year | Gross per check | Take-home per check |
|---|---|---|---|
| Weekly | 52 | $1,442.31 | $1,156.15 |
| Every 2 weeks | 26 | $2,884.62 | $2,312.31 |
| Twice a month | 24 | $3,125.00 | $2,505.00 |
| Monthly | 12 | $6,250.00 | $5,010.00 |
Ways to keep more of your Arizona paycheck
Traditional 401(k) contributions
A traditional 401(k) lowers your federal and state taxable wages, so each dollar you save costs less than a dollar of take-home. On a $75,000 salary in Arizona:
| Contribution | Amount / year | Take-home drops by | Tax saved | Take-home / year |
|---|---|---|---|---|
| None | $0 | $0 | $0 | $60,120 |
| 3% | $2,250 | $1,699 | $551 | $58,421 |
| 6% | $4,500 | $3,398 | $1,103 | $56,723 |
| 10% | $7,500 | $5,663 | $1,838 | $54,458 |
| 15% | $11,250 | $8,769 | $2,481 | $51,351 |
Children and dependents
Each qualifying child under 17 lowers federal withholding by the $2,200 child tax credit if you enter it on your W-4. Effect on a $75,000 single-filer paycheck:
| Children | Take-home / year | Biweekly |
|---|---|---|
| 0 | $60,120 | $2,312.31 |
| 1 | $62,320 | $2,396.92 |
| 2 | $64,520 | $2,481.54 |
| 3 | $66,720 | $2,566.15 |
Raises: how much you actually keep
| Current salary | Raise | Gross raise | Added take-home | You keep |
|---|---|---|---|---|
| $40,000 | 3% | $1,200 | $934 | 77.8% |
| $40,000 | 5% | $2,000 | $1,557 | 77.8% |
| $40,000 | 10% | $4,000 | $3,114 | 77.8% |
| $60,000 | 3% | $1,800 | $1,401 | 77.9% |
| $60,000 | 5% | $3,000 | $2,336 | 77.8% |
| $60,000 | 10% | $6,000 | $4,671 | 77.8% |
| $75,000 | 3% | $2,250 | $1,527 | 67.9% |
| $75,000 | 5% | $3,750 | $2,544 | 67.9% |
| $75,000 | 10% | $7,500 | $5,089 | 67.8% |
| $100,000 | 3% | $3,000 | $2,036 | 67.8% |
| $100,000 | 5% | $5,000 | $3,393 | 67.8% |
| $100,000 | 10% | $10,000 | $6,785 | 67.8% |
Compared with a no-income-tax state: the same $75,000 salary would take home about $1,473 more per year in Texas than in Arizona, before considering sales tax, property tax and cost of living.
Check your W-4. Entering dependents lowers withholding; ticking the multiple-jobs box or adding extra withholding raises it. Read our W-4 guide, then test changes in the calculator's advanced options.
Arizona minimum wage in 2026
The Arizona minimum wage is $15.15 per hour as of July 1, 2026. Someone working full time (2,080 hours) at that rate earns about $31,512 a year and takes home roughly $27,115, or $1,042.87 every two weeks, after federal, FICA and state taxes.
That is $2,260 a month. For comparison, the median Arizona household earned $81,486 in 2024, so a single full-time minimum-wage paycheck covers about 38.7% of the state median household income before tax.
Arizona pay rules, withholding forms and reciprocity
Pay frequency: Semi-monthly. Paydays must fall at least twice a month, no more than 16 days apart.
Withholding form: Form A-4 — give it to your employer along with the federal W-4 when you start a job or your situation changes. Official guidance comes from the Arizona Department of Revenue.
Working across state lines: Arizona has no income tax reciprocity agreements. If you live in one state and work in another you generally owe tax to the work state and claim a credit in your home state. Read our reciprocity guide.
Arizona income, sales tax and cost of living
The median household in Arizona earned $81,486 in 2024 (Census ACS), so a $75,000 salary is 8% below the state median. Prices matter as much as pay: Arizona's overall price level is 100.7 against a national 100 — about 1% more expensive than average (BEA regional price parity, 2024).
Adjusting for that, the $60,120 you take home on $75,000 buys what $59,716 would buy at the national average price level — #31 of 51 for cost-of-living-adjusted take-home, compared with #11 before adjusting for prices.
Arizona's state sales tax is 5.60%, and local governments add an average of 2.94%, for a combined 8.54% (Tax Foundation, July 1, 2026). Combine the 2.5% state income tax rate on your next dollar with this sales tax rate to see how Arizona taxes what you earn and what you spend.
Arizona vs neighboring states
Living or working near a border? Here is take-home pay on a $75,000 salary (single filer) in the states that touch Arizona, compared with Arizona's $60,120.
| # | Neighbor | State income tax | Take-home / year | vs Arizona |
|---|---|---|---|---|
| 1 | Nevada | None | $61,593 | +$1,473 |
| 2 | New Mexico | 1.5%–5.9% | $59,233 | −$887 |
| 3 | Colorado | 4.4% flat | $58,671 | −$1,449 |
| 4 | Utah | 4.45% flat | $58,483 | −$1,637 |
| 5 | California | 1%–13.3% | $57,843 | −$2,277 |
How Arizona compares with other states
At $75,000, a single filer in Arizona keeps $60,120 a year — #11 of 51 and $1,115 more than the median state. States with similar take-home pay:
Arizona salary after tax
- $30,000 after tax in Arizona
- $35,000 after tax in Arizona
- $40,000 after tax in Arizona
- $45,000 after tax in Arizona
- $50,000 after tax in Arizona
- $55,000 after tax in Arizona
- $60,000 after tax in Arizona
- $65,000 after tax in Arizona
- $70,000 after tax in Arizona
- $75,000 after tax in Arizona
- $80,000 after tax in Arizona
- $85,000 after tax in Arizona
- $90,000 after tax in Arizona
- $100,000 after tax in Arizona
- $120,000 after tax in Arizona
- $150,000 after tax in Arizona
Arizona cities and comparisons
City pages with local-tax detail: Phoenix paycheck calculator.
Compare Arizona head to head: Arizona vs California.
Arizona paycheck FAQ
Does Arizona have a state income tax?
Yes. Arizona uses a flat 2.5% rate in 2026. All veterans’ pension payments are now excluded from income (previously only disability pensions).
How much is take-home pay on $60,000 a year in Arizona?
A single filer earning $60,000 takes home about $49,293 per year, or $1,895.87 biweekly, in 2026 (effective tax rate 17.8%).
How much is take-home pay on $100,000 a year in Arizona?
A single filer earning $100,000 takes home about $77,083 a year, or $2,964.71 biweekly, in 2026.
What is the Arizona minimum wage in 2026?
Arizona's minimum wage is $15.15 an hour (rates as of July 1, 2026). A full-time worker at that rate earns about $31,512 a year and takes home roughly $27,115.
Where does Arizona rank for take-home pay?
At a $75,000 salary (single filer), Arizona ranks #11 of 51 jurisdictions for take-home pay — $1,115 above the median state. After adjusting for cost of living it ranks #31.
What is the marginal tax rate in Arizona at $75,000?
Counting federal income tax, FICA and state income tax, the next dollar you earn at $75,000 is taxed at about 32.1%. Of that, 22% is your federal bracket and 2.5% is Arizona income tax.
How often do employers in Arizona have to pay you?
Semi-monthly. Paydays must fall at least twice a month, no more than 16 days apart.
Which state withholding form do I fill out in Arizona?
Form A-4. Your employer uses it, together with the federal W-4, to set your state withholding.
What is the sales tax in Arizona?
Arizona's state sales tax is 5.60% and the average local rate adds 2.94%, for a combined average of 8.54% as of July 1, 2026.
How does a 401(k) change my Arizona paycheck?
Contributing $6,000 to a traditional 401(k) on a $75,000 salary lowers annual take-home by $4,530 and reduces your tax bill by about $1,470.
How much does a raise add to take-home pay in Arizona?
A $5,000 raise at $75,000 adds about $3,393 to annual take-home — you keep 67.85% of it after tax.
Sources & methodology
Federal withholding follows IRS Publication 15-T (2026); see our methodology and editorial policy. Figures reviewed September 29, 2026. Results are estimates, not tax advice — see the disclaimer.
- Arizona Department of Revenue — withholding tax (flat 2.5%)
- Tax Foundation — 2026 State Income Tax Rates and Brackets (as of Jan 1, 2026)
- U.S. Department of Labor — State minimum wage laws (rates effective July 1, 2026)
- U.S. Department of Labor — State payday requirements
- TEAM Companies — State tax withholding forms (accurate as of Jan 20, 2026)
- Tax Foundation — State and Local Sales Tax Rates, Midyear 2026 (as of July 1, 2026)
- U.S. Census Bureau — Household Income in States and Metropolitan Areas: 2024 (ACS 1-year, ACSBR-025)
- U.S. Bureau of Economic Analysis — Regional Price Parities by State and Metro Area
- FRED (St. Louis Fed) — BEA 2024 Regional Price Parities by state, data table
- Tax Foundation — 2026 state tax changes taking effect January 1