See your real net paycheck in Phoenix for 2026. Break down federal tax, state income tax, Social Security, and Medicare, then view weekly, biweekly, and monthly take-home pay.
Last updated: May 2026 · Data: U.S. Census, BLS, IRS, state and city sources
Phoenix median household income: $76,000 · Avg 1BR rent: $1,400/mo
Arizona levies a state income tax (Flat 2.5%) that comes out of every Phoenix paycheck on top of federal tax and FICA. Arizona adopted a flat income tax rate of 2.5% starting in 2023, making it one of the lowest flat-rate income tax states in the nation.
| Gross Salary | Annual Take-Home | Monthly Take-Home | Effective Tax Rate |
|---|---|---|---|
| $40,000 | $33,554 | $2,796 | 16.1% |
| $60,000 | $49,124 | $4,094 | 18.1% |
| $80,000 | $63,041 | $5,253 | 21.2% |
| $76,000 | $60,327 | $5,027 | 20.6% |
| $120,000 | $90,148 | $7,512 | 24.9% |
| $160,000 | $116,488 | $9,707 | 27.2% |
Single filer, standard deduction, no pre-tax deductions. Estimates only.
Phoenix is the largest city in Arizona and the fifth-largest in the United States, anchoring a fast-growing Sun Belt metro with major employers in semiconductors and advanced manufacturing, healthcare, finance and insurance, aerospace, and a booming data-center and technology sector.
| Local Metric | Phoenix (2026 estimate) |
|---|---|
| Metro population | 1.65 million |
| County / jurisdiction | Maricopa County |
| Cost of living index (US avg = 100) | 96 |
| Regional living wage, single adult | $20.50/hour |
| Regional living wage, one earner supporting a family of four | $41.50/hour |
| Applicable minimum wage | $15.15/hour |
| Average rent, 1-bedroom | $1,400/month |
| Average rent, 2-bedroom | $1,750/month |
| Median home price | $430,000 |
| Median household income | $76,000/year |
| Combined sales tax rate | 8.6% |
| Effective property tax rate | 0.51% of value/year |
Local figures are 2026 estimates compiled from U.S. Census and Zillow housing data, and city and county sources. Verify current figures before relying on them.
On a $76,000 salary (single, standard deduction) in Phoenix, estimated take-home pay is roughly $60,327/year. With median household income near $76,000 and average 1-bedroom rent of $1,400/month, housing alone can take a large share of net pay.
Federal income tax and FICA (Social Security 6.2% up to $176,100, Medicare 1.45%) apply to every worker. Arizona state income tax (Flat 2.5%) also applies in Phoenix.
Phoenix does not impose a city income tax. Your paycheck reflects federal tax, Arizona state tax, and FICA.
For the 2025 tax year filed in 2026, the federal standard deduction is $15,000 (single) and $30,000 (married filing jointly). This calculator applies it before computing federal and state income tax.
Contribute more to a pre-tax 401(k) or 403(b), use an HSA or FSA, and claim eligible deductions. These reduce federal and Arizona state income tax, though most do not reduce Social Security or Medicare.