What is New Jersey's income tax rate in 2026?

New Jersey has seven graduated income tax brackets in 2026, ranging from 1.4% to 10.75%. The top 10.75% rate applies to taxable income over $1,000,000 for single filers. Most middle-income NJ residents pay a 5.525%–6.37% marginal rate on earnings between $35,000 and $500,000.

How much take-home pay on $75,000 in New Jersey?

On a $75,000 salary in New Jersey, a single filer pays approximately $8,556 in federal income tax, $5,738 in FICA, and approximately $3,350 in NJ state income tax. Take-home pay is approximately $57,356 per year, or $4,780 per month.

How does New Jersey compare to New York for take-home pay?

On a $100,000 salary, a New Jersey resident keeps approximately $73,816 vs. a New York State resident's ~$73,266 (non-NYC). NJ is slightly better than NY at middle incomes, but NYC residents paying the additional city tax of 3.75% take home roughly $69,516 — about $4,300 less than NJ.

Does New Jersey tax retirement income?

New Jersey does not tax Social Security benefits. NJ exempts pension and annuity income up to $100,000 per year (for married filers) if income is below $100,000. NJ does tax IRA and 401(k) distributions in most cases, however.

Does New Jersey have a standard deduction?

No. New Jersey does not have a standard deduction. NJ uses a gross income tax system that does not allow most deductions. However, NJ does provide a property tax deduction (up to $15,000), medical expense deduction, and a $1,000 personal exemption per filer.

New Jersey Take-Home Pay Calculator 2026 — NJ Income Tax Rates

New Jersey has one of the highest income tax rates in the Northeast, reaching 10.75% on income over $1 million. Most middle-income NJ residents face a marginal rate of 5.525%–6.37%. On a $100,000 salary, a New Jerseyan keeps about $73,800 per year. Use the calculator below — it defaults to New Jersey.

Take-Home Pay Calculator

Take-Home Pay per Year

Effective Tax Rate

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Gross Per Period

Where your money goes:

Federal Income Tax

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FICA (SS + Medicare)

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State Income Tax

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You Keep

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📋 Detailed Tax Breakdown

New Jersey Take-Home Pay by Salary (2026)

Gross Salary	Federal Tax	FICA	NJ State Tax	Take-Home	Eff. Rate
$40,000	$2,978	$3,060	$952	$33,010	17.5%
$50,000	$4,478	$3,825	$1,463	$40,234	19.5%
$60,000	$5,978	$4,590	$1,993	$47,439	21.0%
$75,000	$8,556	$5,738	$2,781	$57,925	22.8%
$100,000	$13,234	$7,650	$5,280	$73,836	26.2%
$150,000	$24,034	$10,718	$9,950	$105,298	29.8%
$200,000	$38,090	$12,958	$13,800	$135,152	32.4%

NJ has no standard deduction; brackets applied to gross income with $1,000 personal exemption. Estimates only.

New Jersey Income Tax Brackets (2026, Single Filer)

Rate	Taxable Income
1.4%	$0 – $20,000
1.75%	$20,000 – $35,000
3.5%	$35,000 – $40,000
5.525%	$40,000 – $75,000
6.37%	$75,000 – $500,000
8.97%	$500,000 – $1,000,000
10.75%	Over $1,000,000

NJ has a “marriage penalty” at middle incomes: MFJ rates mirror HOH, not double the single thresholds.

The NJ–NY Commuter Dynamic

Many New Jersey residents commute to New York City. If you work in NYC but live in NJ:

You pay NJ state income tax (not NY)
You do not pay NYC local income tax (non-residents pay a slightly reduced NY state rate, with NJ providing a credit for taxes paid to other states)
This can save $3,000–$8,000/year vs. living and working in NYC

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy