What is different in Arizona:
- Flat 2.5% income tax on wages — among the lowest single rates in the country.
- No local income tax: cities and counties cannot add their own.
- The 2.5% applies to wages after pre-tax deductions like a 401(k).
- Federal income tax, Social Security and Medicare work exactly as in every other state.
What a Arizona paycheck looks like at six salaries
Single filer, paid every two weeks, no 401(k) or other deductions, 2026 figures. Every number below comes from the same tested formulas the calculator above uses.
| Salary | Federal income tax | Social Security + Medicare | Arizona tax | Take-home / year | Take-home / paycheck |
|---|---|---|---|---|---|
| $42,000 | $2,860 | $3,213 | $1,050 | $34,877 | $1,341.42 |
| $62,000 | $5,260 | $4,743 | $1,550 | $50,447 | $1,940.27 |
| $82,000 | $9,210 | $6,273 | $2,050 | $64,467 | $2,479.50 |
| $105,000 | $14,270 | $8,033 | $2,625 | $80,073 | $3,079.71 |
| $135,000 | $21,134 | $10,328 | $3,375 | $100,164 | $3,852.44 |
| $175,000 | $30,734 | $13,388 | $4,375 | $126,504 | $4,865.52 |
Worked example: $75,000, married, paid monthly
Married filing jointly, paid once a month, 6% of salary to a traditional 401(k) — $375.00 a month, $4,500 a year — in Arizona.
- Taxable income: $75,000 − $4,500 401(k) − $32,200 standard deduction (married filing jointly) = $38,300.00.
- Federal income tax on that amount: $4,100.00 a year.
- Social Security: $4,650.00; Medicare: $1,087.50. The 401(k) does not reduce these.
- Arizona state income tax: $1,762.50.
- Take-home: $75,000 − $4,500 − $4,100.00 − $4,650.00 − $1,087.50 − $1,762.50 = $58,900.00 a year, or $4,908.33 per monthly paycheck.
Worked example: $22 an hour in Arizona
A single worker earns $22.00 an hour for 38 hours a week: $22.00 × 38 × 52 = $43,472 a year before tax. After federal income tax ($3,037), Social Security ($2,695) and Medicare ($630) ($1,087 of Arizona tax), take-home is $36,023 a year — about $1,385.50 per biweekly paycheck.
Arizona vs Colorado: $82,000
The same single worker earning $82,000, paid biweekly with no 401(k). Arizona's flat 2.5% takes $2,050 a year; Colorado's 4.4% takes $3,608.
| Arizona | Colorado (4.4% flat) | |
|---|---|---|
| Federal income tax | $9,210 | $9,210 |
| Social Security + Medicare | $6,273 | $6,273 |
| State income tax | $2,050 | $3,608 |
| Take-home per year | $64,467 | $62,909 |
The Colorado worker keeps $1,558 less per year than the Arizona worker — about $59.92 per paycheck. To compare every no-tax and flat-tax state side by side, see take-home pay by state. Also see our Colorado paycheck calculator.
What Arizona does not tax — and what it does
Arizona keeps its income tax simple: one flat 2.5% rate on wages, among the lowest in the nation, and cities are barred from adding their own. The state leans instead on sales tax — 5.6% at the state level, often 8% or more combined in Phoenix and Tucson — which never touches your paycheck but affects what it buys.
What this page leaves out
Child and dependent credits, itemized deductions, health premiums, 401(k) contributions beyond the examples above, bonuses and overtime are not in the simplified calculator — the full paycheck calculator covers all of them, with Arizona at its 2.5% flat rate. For exact figures use your employer's payroll system or the IRS Tax Withholding Estimator.
Sources and review
Brackets and standard deductions come from IRS Revenue Procedure 2025-32. The Social Security wage base comes from the Social Security Administration, and Arizona’s 2.5% flat rate is confirmed by the Tax Foundation's 2026 state rates. Last reviewed September 2026. See our methodology for how every figure is checked.