Arizona taxes wages at a flat 2.5% state rate in 2026 — the same rate whatever you earn — on top of federal income tax and FICA. Single filers get a standard deduction of $8,350. Use the calculators below to see your exact 2026 take-home pay in Arizona, check the sales tax on a purchase, and estimate a mortgage payment with Arizona 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.
Arizona sales tax calculator
The statewide base sales tax rate in Arizona is 5.6% 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 Arizona homes
The average effective property tax rate in Arizona is about 0.48% 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 Arizona 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.
If you earn $75,000 in Arizona, here’s what actually lands in your account: $59,926.25 a year after state tax, federal tax and FICA. Arizona made that math a lot simpler in 2023, when it scrapped its graduated brackets for a single flat rate. One rate. One calculation. No ladder to climb.
Income tax in Arizona in 2026
Arizona taxes income at a flat 2.50%. Every dollar of taxable income gets the same treatment, whether you earn $30,000 or $300,000.
Single filers claim a standard deduction of $8,350. One honest caveat: that $8,350 standard deduction is the latest published figure and is subject to confirmation by the Arizona Department of Revenue, because there’s an open conformity question behind it. We’ll update if the department settles on a different number.
There’s no personal exemption. Instead, Arizona offers dependent credits — $100 for each dependent under 17 — which come off your tax bill rather than off your income. If you’re single with no dependents, like our worked example, the credit doesn’t come into play. If you’ve got kids, it does, a little.
2.50% puts Arizona at the low end nationally. Its neighbor California, with a top rate of 13.3%, is playing a completely different sport. And flat means predictable: a pay rise never pushes you into a nastier bracket, because there aren’t any.
Worked example: $75,000 salary, single filer
Step 1: Subtract the $8,350 standard deduction from $75,000. State taxable income is $66,650.
Step 2: Multiply by 2.50%. That’s it — Arizona state tax of $1,666.25, an effective rate of 2.22% of your gross salary.
Step 3: Federal income tax. With the federal standard deduction of $16,100 applied, you owe $7,670.00.
Step 4: FICA. Social Security $4,650.00 plus Medicare $1,087.50 equals $5,737.50.
Step 5: $75,000 minus $1,666.25, $7,670.00 and $5,737.50 gives take-home pay of $59,926.25 a year, or roughly $2,304.86 every two weeks.
Sales tax in Arizona
Arizona’s state base rate is 5.60%, so a $1,000 purchase carries $56 in state tax.
Locals call it a transaction privilege tax, which is Arizona’s own name for what is effectively a sales tax. Cities add their own layers on top of the 5.60%, so what you actually pay at the register depends on where you are — Phoenix shoppers pay more than the base rate suggests. Budget on the combined figure, not the headline one.
Property tax in Arizona
Arizona property tax is gentle. The average effective rate is 0.48%, a statewide average that puts Arizona among the lower states in the country.
On a $300,000 home, expect about $1,440 a year. That’s the same average rate as Colorado and a world away from Connecticut’s 1.81%. Assessments and local levies will move your individual bill up or down, but homeowners here generally get off lightly — one reason retirees keep showing up in the desert with calculators in hand.
Frequently asked questions
When did Arizona switch to a flat tax?
In 2023. Before that, Arizona had graduated brackets. Now it’s a single 2.50% rate on all taxable income, one of the lowest flat rates in the country.
Is the $8,350 standard deduction final for 2026?
Not quite settled. The $8,350 figure is the latest published number and is subject to confirmation by the Arizona Department of Revenue due to a conformity question, so treat it as current best information rather than carved in stone.
Do I get a personal exemption in Arizona?
No. Arizona scrapped the personal exemption in favor of dependent credits — $100 per dependent under 17 — which reduce your tax directly instead of reducing your taxable income.
What’s a transaction privilege tax?
Arizona’s name for its sales tax. Technically it’s a tax on the seller for the privilege of doing business, but in practice it lands on your receipt just like a sales tax anywhere else, starting at 5.60% before city taxes.
How does Arizona compare with California for taxes?
Night and day. Arizona: flat 2.50%, 0.48% average property tax. California: brackets up to 13.3% plus a payroll tax on top. The state line between them is one of the sharpest tax borders in America.
Your turn: drop your salary into the paycheck calculator above, check a big purchase in the sales tax calculator, and run a home price through the mortgage calculator to see all three Arizona numbers side by side.
This calculator is for guidance only and isn’t financial advice.