Florida vs Illinois Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $3,568 more a year in Florida than in Illinois ($297 a month).
Florida
No state income tax on wages
$61,592
take-home on $75,000 · $5,133/month
1st of 51 states for take-home pay
Florida paycheck calculator ›Illinois
4.95% flat state income tax
$58,024
take-home on $75,000 · $4,835/month
46th of 51 states for take-home pay
Illinois paycheck calculator ›Take-home pay in Florida and Illinois by salary
| Salary | Florida | Illinois | Difference |
|---|---|---|---|
| $40,000 | $34,320 | $32,485 | $1,835 more in Florida |
| $50,000 | $42,355 | $40,025 | $2,330 more in Florida |
| $60,000 | $50,390 | $47,565 | $2,825 more in Florida |
| $75,000 | $61,592 | $58,024 | $3,568 more in Florida |
| $100,000 | $79,180 | $74,375 | $4,805 more in Florida |
| $125,000 | $96,703 | $90,661 | $6,043 more in Florida |
| $150,000 | $113,791 | $106,511 | $7,280 more in Florida |
| $200,000 | $148,927 | $139,172 | $9,755 more in Florida |
Single filer, standard deduction, no local tax. To match $75,000 in Florida you would need about $80,450 in Illinois; to match $75,000 in Illinois you would need about $69,950 in Florida.
How Florida and Illinois tax wages
| 2026 | Florida | Illinois |
|---|---|---|
| Income tax | no state income tax | a flat 4.95% income tax |
| Top rate | 0% | 4.95% |
| Standard deduction | Not applicable | None (exemptions or credits only) |
| State tax on $75k | $0 (0.0%) | $3,568 (4.8%) |
| Local wage taxes | No | No |
| Reciprocity | None | Iowa, Kentucky, Michigan, Wisconsin |
Moving between Florida and Illinois
Moving from Florida to Illinois
Moving to Illinois from any neighbor raises state tax for a middle-income worker: $1,385 a year compared with Indiana and $624 compared with Wisconsin at $75,000. There is no city income tax, though Chicago's sales and property taxes are high. File an IL-W-4 with your employer and a part-year Illinois return for the year you arrive.
Moving from Illinois to Florida
Moving to Florida removes state income tax entirely. A $75,000 earner coming from Georgia gains $2,994 a year, and the savings grow with income. Plan for higher homeowners' insurance and property tax in many coastal counties, and cut ties with your former state promptly: change your license, voter registration, and mailing address, and file a part-year return there for the year you move.
Florida paychecks in brief
Florida has no personal income tax, so the only taxes on a Florida paycheck in 2026 are federal income tax, Social Security, and Medicare. A single filer earning $75,000 takes home $61,592 a year, or $2,369 every two weeks, which ties Florida for first among the states and DC. That is $2,994 more than the same worker keeps in Georgia and $3,127 more than in Alabama. Read the Florida guide.
Illinois paychecks in brief
Illinois taxes wages at a flat 4.95% with no standard deduction, only a $2,925 personal exemption for each filer. That makes the effective rate high even for modest earners. A single filer earning $75,000 owes $3,568 to Illinois and keeps $58,024 a year, or $2,232 every two weeks. No Illinois city, including Chicago, taxes wages, and residents of Iowa, Kentucky, Michigan, and Wisconsin who work in Illinois pay only their home state. Read the Illinois guide.
Florida vs Illinois: FAQ
Does Florida or Illinois have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $3,568 more a year in Florida than in Illinois ($297 a month). Florida has no state income tax. Illinois has a flat 4.95% income tax for 2026.
What salary in Illinois equals $75,000 in Florida?
To take home the same $61,592 that $75,000 leaves in Florida, you would need about $80,450 in Illinois, based on income, payroll, and state taxes only. Housing and other living costs are not included.
How much more do high earners keep in Florida than in Illinois?
At $150,000 the gap is $7,280 a year: $113,791 in Florida versus $106,511 in Illinois. With flat or no state tax, the gap grows roughly in line with salary.