Chicago local income tax
Chicago has no city income tax on wages; you pay Illinois’ flat 4.95% income tax plus federal taxes.
Chicago does not tax employee wages. The Illinois Constitution limits home-rule units such as Chicago from taxing income or earnings unless the state authorizes it, and the Tax Foundation’s list of states with local income taxes does not include Illinois. Illinois income tax is a flat rate collected by the state.
See the full state picture on the Illinois paycheck calculator, and how local taxes are modelled in our methodology.
Chicago take-home pay by salary
Single filer, paid biweekly, no pre-tax deductions, 2026 rules. “Texas” shows a state with no income tax for comparison.
| Salary | Chicago take-home / year | Biweekly | Illinois only (no city tax) | Texas (no income tax) |
|---|---|---|---|---|
| $40,000 | $32,485 | $1,249 | $32,485 | $34,320 |
| $60,000 | $47,565 | $1,829 | $47,565 | $50,390 |
| $75,000 | $58,025 | $2,232 | $58,025 | $61,593 |
| $100,000 | $74,375 | $2,861 | $74,375 | $79,180 |
| $150,000 | $106,511 | $4,097 | $106,511 | $113,791 |
More levels: $75,000 after tax in Illinois, $100,000, and the salary hub.
Minimum wage in Chicago
City of Chicago minimum wage from July 1, 2026 (employers with 4+ employees): $17.05 an hour. A full-time worker (2,080 hours) at that rate earns $35,464 a year and takes home about $29,065 ($1,118 biweekly). Use the hourly paycheck calculator for your own hours and overtime.
Chicago vs the other pilot cities
Take-home on $75,000 for a single filer, highest first. Cities in states with no income tax lead; local taxes like NYC’s and Philadelphia’s pull cities down.
| # | City | Take-home on $75,000 | Local tax |
|---|---|---|---|
| 1 | Houston | $61,593 | None |
| 2 | San Antonio | $61,593 | None |
| 3 | Dallas | $61,593 | None |
| 4 | Phoenix | $60,120 | None |
| 5 | Chicago | $58,025 | None |
| 6 | Los Angeles | $57,843 | None |
| 7 | San Diego | $57,843 | None |
| 8 | San Jose | $57,843 | None |
| 9 | Philadelphia | $56,489 | Yes |
| 10 | New York City | $55,312 | Yes |
Compare whole states in our take-home pay study, or see Texas vs California.
Frequently asked questions
Does Chicago have a city income tax?
No. Chicago has no city income tax on wages. Illinois state income tax at a flat 4.95% and federal taxes apply.
How much is $75,000 after tax in Chicago?
A single filer earning $75,000 in Chicago takes home about $58,025 a year, or $2,232 every two weeks, in 2026 (federal tax, FICA, Illinois income tax included, no other deductions).
How does Chicago compare with Texas for take-home pay?
At $75,000, a single filer keeps $58,025 in Chicago versus $61,593 in a state with no income tax like Texas, a difference of $3,568 a year in favor of the no-income-tax state.
What is the minimum wage in Chicago?
City of Chicago minimum wage from July 1, 2026 (employers with 4+ employees): $17.05 an hour. Working 2,080 hours a year at that rate earns $35,464 and takes home about $29,065 after tax.
Which state taxes apply to a Chicago paycheck?
Illinois income tax applies (4.95% flat). Federal income tax, Social Security and Medicare apply everywhere.
Is this Chicago paycheck calculator accurate?
It uses the same 2026 engine as the rest of the site: IRS Publication 15-T for federal withholding, FICA, and Illinois's rules. Your employer's payroll may differ slightly, and it is an estimate, not tax advice.
Sources & methodology
- Illinois Constitution, Article VII, Section 6 (limits on home-rule units, including taxes on income)
- Tax Foundation — Local Income Taxes: City- and County-Level Income and Wage Taxes (lists the states that allow them)
- City of Chicago — Minimum Wage (BACP)
- Illinois DOR — 2026 IL-700-T (4.95%, $2,925 exemption)
- IRS — Publication 15-T (2026)
Local-tax status and minimum wages checked September 29, 2026. Estimates for information only, not tax advice. See our methodology and disclaimer.