Vermont runs a graduated state income tax in 2026, with rates from 3.35% up to 8.75% depending on how much you earn, on top of federal income tax and FICA. Single filers get a standard deduction of $7,650. Use the calculators below to see your exact 2026 take-home pay in Vermont, check the sales tax on a purchase, and estimate a mortgage payment with Vermont property taxes factored in.
State Paycheck Calculator 2026
Estimate take-home pay after federal tax, FICA and your state’s income tax for the 2026 tax year.
How it works: the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly) comes off your salary first, then the 2026 federal brackets (10%–37%). FICA is applied properly: 6.2% Social Security on the first $184,500 of wages (2026 wage base), 1.45% Medicare on all wages, plus 0.9% additional Medicare on wages above $200,000 single / $250,000 married filing jointly. State tax applies each state’s own standard deduction/exemptions, then its brackets or flat rate. Local income taxes are not included — many cities and counties (e.g. New York City, Philadelphia, most of Ohio, Maryland counties, Indiana counties, Kentucky) levy their own payroll taxes on top of the state tax.
Vermont sales tax calculator
The statewide base sales tax rate in Vermont is 6% in 2026. Cities and counties can add their own local tax on top of the base rate — enter any local add-on below to see the full tax and total price.
Sales Tax Calculator 2026
Estimate the sales tax and total price using each state’s base rate (2026), plus any local add-on.
State base rates are the 2026 state-level rates (local add-ons excluded). Actual combined rates vary widely by city and county — many localities add 1–5%. Five states have no statewide sales tax (Alaska, Delaware, Montana, New Hampshire, Oregon), though some localities still levy local taxes.
Mortgage calculator for Vermont homes
The average effective property tax rate in Vermont is about 1.59% of a home’s value per year. When you use the mortgage calculator below, enter roughly that percentage of the home price in the yearly property tax field for a realistic Vermont monthly payment.
Mortgage Payment Calculator
Work out your monthly principal & interest payment, total interest and the true total cost of your loan.
How it works: your loan amount (price minus down payment) is repaid in equal monthly instalments using the standard amortisation formula, so early payments are mostly interest and later ones mostly principal. Property tax and insurance, if entered, are simply spread evenly across each month. Your actual rate and payment will depend on your lender, credit profile and the deal you choose.
Vermont stacks its shelters the old-fashioned way: a $7,650 standard deduction plus a $5,300 personal exemption, $12,950 of income the state never touches. Then it taxes what’s left through brackets that top out at 8.75% — and then, because this is Vermont, the property tax arrives at 1.59% on average, the fifth-highest in America. A $75,000 salary pays the state $2,489.80, a genuinely moderate bill. Owning the house is where Vermont gets expensive.
Income tax in Vermont in 2026
Four brackets for single filers: 3.35% on taxable income up to $49,400, 6.60% up to $119,700, 7.60% up to $249,700, and 8.75% above that. The first bracket is wide — most working Vermonters never leave it — which keeps effective rates well below the headline numbers.
Before the brackets, the deduction and exemption come off together: $7,650 + $5,300 = $12,950 sheltered. Few states still offer both mechanisms at full strength, and on a moderate salary that stack does more work than a low top rate would.
Two honest notes. First, the bracket thresholds used here are the latest published figures available when this page was prepared and are subject to confirmation by the state, since Vermont indexes its brackets for inflation and final adjusted amounts are published by the Department of Taxes. The rates themselves are set in law and don’t move. Second, very high earners face a wrinkle: Vermont charges the greater of the regular tax or 3% of federal adjusted gross income. It won’t touch the example below, but seven-figure households should know it exists.
Worked example: $75,000 salary, single filer
Step 1 — Federal tax. $75,000 − $16,100 = $58,900 taxable, giving $7,670.00 for 2026.
Step 2 — FICA. Social Security and Medicare: $5,737.50.
Step 3 — Vermont tax. $75,000 − $7,650 standard deduction − $5,300 exemption = $62,050 of taxable income. Two slices: 3.35% of the first $49,400 = $1,654.90; 6.60% of the remaining $12,650 = $834.90. Total: $2,489.80.
Step 4 — Take-home pay. $75,000 − $7,670.00 − $5,737.50 − $2,489.80 = $59,102.70 a year, or about $2,273.18 per bi-weekly paycheck. Vermont’s effective rate on this salary is 3.32% — lower than New York’s, lower than Oregon’s by a mile, and roughly level with flat-tax North Carolina. For a state with an 8.75% top rate, that’s a reminder that brackets are marketing; deductions and first-bracket widths are policy.
Sales tax in Vermont
The state rate is 6.00% — $60 on a $1,000 purchase. A few municipalities add a 1% local option tax, but most of Vermont charges the clean state rate and nothing more.
Everyday mercy: clothing and groceries for home consumption are exempt. In a state where winter boots are equipment rather than fashion, the clothing exemption is worth real money across a year. The calculator on this page runs on the 6.00% base rate.
Property tax in Vermont
And now the counterweight. At 1.59% on average, Vermont’s effective property tax rate is the fifth-highest in the nation: a $300,000 home runs about $4,770 a year. Only New Jersey, Illinois, Connecticut and New Hampshire sit above it.
Vermont adds an unusual twist: much of the property tax funds schools statewide through a pooled system, and many homeowners qualify for an income-based adjustment that rebates part of the bill — the state can effectively convert your property tax into an income tax if you file for it. Participation matters; plenty of eligible households leave money unclaimed because the form is one more form. If you buy in Vermont, ask about the Property Tax Credit before your first full tax year, not after.
Frequently asked questions
Does Vermont really give both a deduction and an exemption?
Yes — $7,650 standard deduction plus a $5,300 personal exemption for 2026, $12,950 combined for a single filer. It’s one of the more generous shelters in the Northeast, even if the state doesn’t advertise it that way.
What’s the 3%-of-income rule I keep hearing about?
Vermont caps the benefit of its bracket structure at the top: high earners pay whichever is larger, the regular bracket tax or 3% of their federal adjusted gross income. It only binds at high incomes.
Does Vermont tax Social Security?
Partially, for higher-income retirees. Benefits are fully exempt below income thresholds ($50,000 for single filers, roughly) and phase in above them. Other retirement income is taxed normally, eased by the same deduction stack.
How does Vermont compare with New Hampshire, right next door?
Direct opposites. New Hampshire takes $0 from your paycheck and hits your house at 1.66%. Vermont takes $2,489.80 from a $75,000 paycheck and hits the house at 1.59%. Renters fare far better in New Hampshire; the two states converge — and argue — at the Connecticut River.
Put your salary in the Vermont calculator above for your exact number. Then, if homeownership is part of the plan, take the mortgage calculator for a spin with that 1.59% property tax folded in — it’s the figure that actually shapes a Vermont budget.
These calculators are for guidance only and aren’t financial advice.