Arizona vs North Dakota Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $1,291 more a year in North Dakota than in Arizona ($108 a month).
Arizona
2.5% flat state income tax
$60,119
take-home on $75,000 · $5,010/month
12th of 51 states for take-home pay
Arizona paycheck calculator ›North Dakota
1.95% - 2.5% state income tax
$61,410
take-home on $75,000 · $5,118/month
10th of 51 states for take-home pay
North Dakota paycheck calculator ›Take-home pay in Arizona and North Dakota by salary
| Salary | Arizona | North Dakota | Difference |
|---|---|---|---|
| $40,000 | $33,722 | $34,320 | $598 more in North Dakota |
| $50,000 | $41,507 | $42,355 | $848 more in North Dakota |
| $60,000 | $49,292 | $50,390 | $1,098 more in North Dakota |
| $75,000 | $60,119 | $61,410 | $1,291 more in North Dakota |
| $100,000 | $77,082 | $78,511 | $1,429 more in North Dakota |
| $125,000 | $93,980 | $95,546 | $1,566 more in North Dakota |
| $150,000 | $110,443 | $112,147 | $1,704 more in North Dakota |
| $200,000 | $144,329 | $146,308 | $1,979 more in North Dakota |
Single filer, standard deduction, no local tax. To match $75,000 in Arizona you would need about $73,100 in North Dakota; to match $75,000 in North Dakota you would need about $76,900 in Arizona.
How Arizona and North Dakota tax wages
| 2026 | Arizona | North Dakota |
|---|---|---|
| Income tax | a flat 2.5% income tax | 2 brackets from 1.95% to 2.5% |
| Top rate | 2.5% | 2.5% |
| Standard deduction | $16,100 single | Federal ($16,100 single) |
| State tax on $75k | $1,473 (2.0%) | $182 (0.2%) |
| Local wage taxes | No | No |
| Reciprocity | None | Minnesota, Montana |
| 2026 change | No rate change | North Dakota widened its 0% bracket for 2026, to $49,575 of taxable income for single filers. |
Moving between Arizona and North Dakota
Moving from Arizona to North Dakota
Moving to North Dakota from Minnesota saves a $75,000 earner $3,395 a year in state income tax, and from Montana $2,695. Coming from South Dakota or another no-tax state costs only $182 at that salary. There is no state withholding form to file, and no local income tax in Fargo, Bismarck, Grand Forks, or Minot.
Moving from North Dakota to Arizona
Moving to Arizona from California raises take-home pay by $1,192 at $75,000, and from Utah by $1,630. Coming from Nevada, you start paying state income tax: $1,473 at that salary. Arizona has no city income taxes, so the statewide figure applies whether you settle in Phoenix, Tucson, or Flagstaff. Turn in Form A-4 on your first day so your employer does not fall back on the default percentage.
Arizona paychecks in brief
Arizona taxes wages at a flat 2.5%, one of the lowest income tax rates in the country, after a standard deduction that matches the federal $16,100 in our estimate. On a $75,000 salary, a single filer sends $1,473 to the Arizona Department of Revenue and nets $60,119 for the year, which works out to $2,312 per biweekly check. Withholding is the unusual part: on Form A-4 you choose a flat percentage of each paycheck, and the default does not track your actual bill. Read the Arizona guide.
North Dakota paychecks in brief
North Dakota starts from federal taxable income and taxes nothing below $49,575 for a single filer, then charges 1.95% up to $250,400 and 2.5% above. A single filer earning $75,000 owes just $182 to the state and takes home $61,410 a year, $2,362 every two weeks. That is $182 less than in South Dakota, which has no income tax, and thousands more than in Minnesota or Montana. Read the North Dakota guide.
Arizona vs North Dakota: FAQ
Does Arizona or North Dakota have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $1,291 more a year in North Dakota than in Arizona ($108 a month). Arizona has a flat 2.5% income tax for 2026. North Dakota has 2 brackets from 1.95% to 2.5% for 2026. For single filers the top 2.5% rate starts at $250,400 of taxable income.
What salary in North Dakota equals $75,000 in Arizona?
To take home the same $60,119 that $75,000 leaves in Arizona, you would need about $73,100 in North Dakota, based on income, payroll, and state taxes only. Housing and other living costs are not included.
How much more do high earners keep in North Dakota than in Arizona?
At $150,000 the gap is $1,704 a year: $110,443 in Arizona versus $112,147 in North Dakota. Progressive brackets make the difference grow faster as income rises.
What if I live in Arizona and work in North Dakota?
Arizona and North Dakota do not have a reciprocity agreement, so North Dakota 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.