Arizona vs New Jersey Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $987 more a year in Arizona than in New Jersey ($82 a month).
Arizona
2.5% flat state income tax
$59,926
take-home on $75,000 · $4,994/month
12th of 51 states for take-home pay
Arizona paycheck calculator ›New Jersey
1.4% - 10.75% state income tax
$58,939
take-home on $75,000 · $4,912/month
23rd of 51 states for take-home pay
New Jersey paycheck calculator ›Take-home pay in Arizona and New Jersey by salary
| Salary | Arizona | New Jersey | Difference |
|---|---|---|---|
| $40,000 | $33,529 | $33,602 | $73 more in New Jersey |
| $50,000 | $41,314 | $41,084 | $230 more in Arizona |
| $60,000 | $49,099 | $48,566 | $533 more in Arizona |
| $75,000 | $59,926 | $58,939 | $987 more in Arizona |
| $100,000 | $76,889 | $74,934 | $1,955 more in Arizona |
| $125,000 | $93,788 | $90,865 | $2,922 more in Arizona |
| $150,000 | $110,250 | $106,360 | $3,890 more in Arizona |
| $200,000 | $144,136 | $138,311 | $5,825 more in Arizona |
Single filer, standard deduction, no local tax. To match $75,000 in Arizona you would need about $76,550 in New Jersey; to match $75,000 in New Jersey you would need about $73,550 in Arizona.
How Arizona and New Jersey tax wages
| 2026 | Arizona | New Jersey |
|---|---|---|
| Income tax | a flat 2.5% income tax | 7 brackets from 1.4% to 10.75% |
| Top rate | 2.5% | 10.75% |
| Standard deduction | $8,350 single | None (exemptions or credits only) |
| State tax on $75k | $1,666 (2.2%) | $2,653 (3.5%) |
| Local wage taxes | No | No |
| Reciprocity | None | Pennsylvania |
Arizona vs New Jersey: FAQ
Does Arizona or New Jersey have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $987 more a year in Arizona than in New Jersey ($82 a month). Arizona has a flat 2.5% income tax for 2026. New Jersey has 7 brackets from 1.4% to 10.75% for 2026. For single filers the top 10.75% rate starts at $1,000,000 of taxable income.
What salary in New Jersey equals $75,000 in Arizona?
To take home the same $59,926 that $75,000 leaves in Arizona, you would need about $76,550 in New Jersey, based on income, payroll, and state taxes only. Housing and other living costs are not included.
How much more do high earners keep in Arizona than in New Jersey?
At $150,000 the gap is $3,890 a year: $110,250 in Arizona versus $106,360 in New Jersey. Progressive brackets make the difference grow faster as income rises.
What if I live in Arizona and work in New Jersey?
Arizona and New Jersey do not have a reciprocity agreement, so New Jersey withholds tax on wages earned there and Arizona generally gives residents a credit for tax paid to the other state. You effectively pay the higher of the two rates.