Virginia Paycheck Calculator — Calculate Your VA Take-Home Pay 2% to 5.75% State Tax
Why This Matters for Virginia Residents: Virginia uses a progressive tax system with rates from 2 percent to 5.75 percent. Unlike California and New York, Virginia has no local income tax and no SDI tax. Most Virginia workers keep between 62 percent and 70 percent of their gross pay after all taxes and deductions. Virginia’s median household income is $92,090, and a single adult needs about $25.72 per hour to live comfortably in the state.
Calculate your exact take-home pay after Virginia state tax, federal tax, Social Security, and Medicare. Includes 401(k), health insurance, and HSA deductions. Updated for 2026 including a new 10 percent bracket for high earners earning over $1 million. Free, no signup, instant results.
- VA Tax 2% to 5.75%
- 2026 Tax Brackets
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- Used by 50,000+ Users
- No Local Tax
- No SDI Tax
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💰 Virginia Paycheck Calculator
Calculate your take-home pay after Virginia state tax (2% to 5.75%), federal tax & FICA
✓ VA Tax 2%-5.75%
✓ No Local Tax
✓ No SDI
✓ 2026 Brackets
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📍 Virginia: 2% to 5.75% progressive state tax. No local tax. No SDI.
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⚠️ Estimates only. Based on 2026 tax brackets. Consult a tax professional for advice.
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VIRGINIA TAX INFORMATION — HOW STATE TAX WORKS IN VIRGINIA
VIRGINIA TAX RATES: 2 percent, 3 percent, 5 percent, and 5.75 percent
NO LOCAL TAX: Virginia cities do not charge local income tax
NO SDI TAX: Virginia does not have State Disability Insurance
2026 UPDATE: New 10 percent bracket for income over 1 million dollars
Virginia uses a progressive state income tax system. This means you pay different tax rates on different portions of your income. The more you earn, the higher the rate on your highest dollars.
HOW THE BRACKETS WORK
The first 3,000 dollars of your Virginia taxable income is taxed at 2 percent. Income between 3,001 dollars and 5,000 dollars is taxed at 3 percent. Income between 5,001 dollars and 17,000 dollars is taxed at 5 percent. Any income over 17,000 dollars is taxed at 5.75 percent.
EXAMPLE TAX CALCULATION
If your Virginia taxable income is 50,000 dollars, here is how your tax breaks down. You pay 2 percent on the first 3,000 dollars which is 60 dollars. You pay 3 percent on the next 2,000 dollars which is 60 dollars. You pay 5 percent on the next 12,000 dollars which is 600 dollars. You pay 5.75 percent on the remaining 33,000 dollars which is 1,897 dollars and 50 cents. Your total Virginia state tax is 2,617 dollars and 50 cents.
WHAT VIRGINIA DOES NOT TAX
Virginia has no local income tax. Cities like Richmond, Virginia Beach, Norfolk, and Alexandria do not charge any local income tax. Virginia also has no SDI tax, which stands for State Disability Insurance. Unlike California where workers pay 1.1 percent SDI, Virginia workers pay nothing.
HOW VIRGINIA COMPARES TO OTHER STATES
On a 90,000 dollar salary, a single filer in Virginia pays approximately 5,175 dollars in state income tax. The same salary in North Carolina pays approximately 4,725 dollars at the 5.25 percent flat rate. In Maryland, the tax is approximately 5,175 dollars with a similar progressive system. Washington DC has a progressive tax up to 10.75 percent, so a 90,000 dollar salary there pays approximately 6,500 dollars.
VIRGINIA VS NO TAX STATES
Texas and Florida have zero state income tax. On a 90,000 dollar salary, a worker in Texas or Florida pays zero state tax while a Virginia worker pays approximately 5,175 dollars. That is 5,175 dollars more per year in your pocket if you live in Texas or Florida. However, salaries in Virginia are often higher than in those states for government, technology, and defense jobs.
NEW FOR 2026 — 10 PERCENT TAX BRACKET
Starting in 2026, Virginia will add a new 10 percent tax bracket for income over 1 million dollars. This applies to the highest earners in the state. The revenue from this new bracket will fund education, childcare, and housing programs. For most Virginia workers earning under 1 million dollars, the top rate remains 5.75 percent.
STANDARD DEDUCTION AND EXEMPTIONS
Virginia allows a standard deduction of 8,000 dollars for single filers and 16,000 dollars for married couples filing jointly. You can also claim personal exemptions of 930 dollars for yourself and each dependent. These deductions reduce your Virginia taxable income before the brackets are applied.
WHO BENEFITS MOST FROM VIRGINIA TAXES
Virginia taxes are moderate compared to other states. The 5.75 percent top rate is lower than California at 13.3 percent and New York at 10.9 percent. However, it is higher than North Carolina at 4.5 percent and Tennessee at 0 percent. Virginia is attractive for government contractors, military personnel, and technology workers due to the concentration of federal agencies and defense companies in Northern Virginia.
USE OUR CALCULATOR ABOVE
Our calculator above automatically applies these Virginia tax brackets. Enter your salary, filing status, and dependents. The calculator shows your exact Virginia state tax, federal tax, and net take-home pay.
REAL EXAMPLE — WHAT A 90,000 DOLLAR SALARY LOOKS LIKE IN VIRGINIA
VIRGINIA VS TEXAS VS FLORIDA — HOW MUCH MORE YOU TAKE HOME IN NO TAX STATES
Here is a quick summary of why Tennessee workers keep more of their paycheck. These advantages make Tennessee one of the most tax-friendly states in America.
No State Income Tax — Zero Percent
Tennessee does not tax your wages. You pay zero state income tax on your salary, hourly wages, bonuses, commissions, and overtime. Tennessee is one of nine states with no income tax on wages. The other states are Texas, Florida, Nevada, South Dakota, Wyoming, Alaska, Washington, and New Hampshire.
Hall Income Tax — Fully Repealed in 2021
This is one of the most common questions from investors and retirees. The answer is clear. Tennessee no longer taxes dividend or interest income. The Hall Income Tax was fully repealed effective January 1, 2021. You pay zero percent state tax on dividends, interest, capital gains, and all other investment income.
No SDI Tax — Tennessee Has No State Disability Insurance
This is a common question from workers moving to Tennessee from California. The answer is clear. Tennessee has no State Disability Insurance. You pay zero percent SDI tax from your paycheck. Unlike California where workers pay 1.1 percent SDI on their gross pay, Tennessee workers pay nothing. On a one hundred thousand dollar salary, this saves you over one thousand one hundred dollars per year compared to California.
No Local Income Tax — Nashville, Memphis, Knoxville All Zero
Workers moving to Nashville or Memphis often ask about city taxes. The answer is clear. No city in Tennessee charges local income tax. Nashville has no city tax. Memphis has no city tax. Knoxville has no city tax. Chattanooga has no city tax. Every city in Tennessee has zero local income tax. Unlike New York City where you pay up to 3.9 percent local tax, or Philadelphia where you pay approximately 3.8 percent, Tennessee cities take nothing from your paycheck. Every dollar you earn stays in your pocket at the local level.
High Sales Tax — Important for Your Budget
Tennessee has one of the highest sales tax rates in the United States. The state sales tax rate is 7 percent. Local taxes can add up to 2.75 percent, making the total sales tax up to 9.75 percent in some areas. Here is what you need to know: sales tax is not deducted from your paycheck. You pay it when you buy goods and services. It does not affect your take-home pay, but it does affect your budget. If you spend three thousand dollars per month on taxable goods, you pay up to two hundred ninety two dollars and fifty cents per month in sales tax. Plan your budget accordingly.
Minimum Wage and Overtime Rules
The minimum wage in Tennessee for 2026 is seven dollars and twenty five cents per hour, which follows the federal minimum wage rate. Overtime pay is one and a half times your regular rate for all hours worked over forty hours per week. For example, if you earn fifteen dollars per hour, your overtime rate is twenty two dollars and fifty cents per hour.
Employer Taxes Do Not Affect Your Paycheck
Tennessee has a state unemployment insurance tax. New employers generally pay a rate of 2.7 percent. Experienced employers pay rates from 0.01 percent to 10 percent. This tax is paid by employers only, not by employees. You pay zero dollars of this tax from your paycheck. Your take-home pay is not affected.
Quick Comparison — Tennessee vs Other States
On a one hundred thousand dollar salary for a single filer with no dependents.
Tennessee has zero state tax, zero SDI, zero local tax, and zero tax on dividends and interest after the Hall Tax repeal. Your take-home pay is approximately sixty six thousand two hundred seventy two dollars per year or two thousand seven hundred sixty one dollars per biweekly paycheck.
Texas has zero state tax, zero SDI, zero local tax. Your take-home pay is the same as Tennessee on the same salary. Texas has a state sales tax of 6.25 percent, lower than Tennessee’s 7 percent.
Florida has zero state tax, zero SDI, zero local tax. Your take-home pay is the same as Tennessee on the same salary. Florida has a state sales tax of 6 percent, lower than Tennessee’s 7 percent.
South Dakota has zero state tax, zero SDI, zero local tax. Your take-home pay is the same as Tennessee on the same salary. South Dakota has a state sales tax of 4.5 percent, lower than Tennessee’s 7 percent.
Wyoming has zero state tax, zero SDI, zero local tax. Your take-home pay is the same as Tennessee on the same salary. Wyoming has a state sales tax of 4 percent, lower than Tennessee’s 7 percent.
Alaska has zero state tax, zero SDI, zero local tax, and no state sales tax. Your take-home pay is the same as Tennessee on the same salary. Alaska also pays residents the Permanent Fund Dividend of one thousand to one thousand five hundred dollars per year.
California has a 9.3 percent state tax plus a 1.1 percent SDI tax. Your take-home pay drops to approximately fifty seven thousand four hundred dollars per year. Tennessee gives you over eight thousand eight hundred dollars more per year compared to California.
Tennessee has no state income tax at zero percent. The Hall Income Tax on dividends and interest was fully repealed in 2021. No SDI tax at zero percent. No local income tax in any Tennessee city. Sales tax is 7 percent state plus up to 2.75 percent local, totaling up to 9.75 percent. Minimum wage of seven dollars and twenty five cents per hour for 2026. These advantages make Tennessee one of the most tax-friendly states in America for workers, investors, and retirees.
Use our calculator above to see your exact take-home pay for your specific salary and situation. Change the state dropdown to compare Tennessee with Texas, Florida, South Dakota, Wyoming, Alaska, or California. The calculator updates instantly with your numbers.
VIRGINIA VS TEXAS VS FLORIDA — HOW MUCH MORE YOU TAKE HOME IN NO TAX STATES
TEXAS STATE TAX: 0 percent
FLORIDA STATE TAX: 0 percent
VIRGINIA STATE TAX: 2 percent to 5.75 percent
ANNUAL DIFFERENCE ON 90K: Virginia pays 5,175 dollars more in state tax
MONTHLY DIFFERENCE: About 431 dollars less in your pocket
Moving from Virginia to Texas or Florida can put thousands of dollars back in your pocket every year. Both Texas and Florida have zero state income tax. Virginia has a progressive tax that takes 2 percent to 5.75 percent of your income. Here is exactly how much more you would take home if you made the move.
SAME SALARY DIFFERENT STATE THE REAL DIFFERENCE
Let us compare a 90,000 dollar salary across all three states. Same filing status, same deductions, same everything. Only the state changes.
VIRGINIA WITH 2 PERCENT TO 5.75 PERCENT STATE TAX
State income tax is approximately 5,175 dollars per year. Local tax is zero dollars. SDI tax is zero dollars. Total state deductions are 5,175 dollars. Take home pay is approximately 56,045 dollars per year.
TEXAS WITH 0 PERCENT STATE TAX
State income tax is zero dollars per year. Local tax is zero dollars. SDI tax is zero dollars. Total state deductions are zero dollars. Take home pay is approximately 61,220 dollars per year.
FLORIDA WITH 0 PERCENT STATE TAX
State income tax is zero dollars per year. Local tax is zero dollars. SDI tax is zero dollars. Total state deductions are zero dollars. Take home pay is approximately 61,220 dollars per year.
THE DIFFERENCE
Moving from Virginia to Texas or Florida saves you approximately 5,175 dollars per year in state taxes on a 90,000 dollar salary. That is 431 dollars more per month or 199 dollars more per biweekly paycheck.
WHAT ABOUT HIGHER SALARIES
The difference grows as your income increases.
On a 150,000 dollar salary, Virginia takes approximately 8,625 dollars in state tax. Texas and Florida take zero. The difference is 8,625 dollars more per year in Texas or Florida.
On a 200,000 dollar salary, Virginia takes approximately 11,500 dollars in state tax. Texas and Florida take zero. The difference is 11,500 dollars more per year in Texas or Florida.
On a 300,000 dollar salary, Virginia takes approximately 17,250 dollars in state tax. Texas and Florida take zero. The difference is 17,250 dollars more per year in Texas or Florida.
BUT WAIT SALARIES ARE DIFFERENT TOO
Virginia salaries are often higher than Texas or Florida for the same job. A government contractor earning 90,000 dollars in Virginia might only earn 75,000 dollars in Texas.
EXAMPLE WITH ADJUSTED SALARIES
Virginia offers a 90,000 dollar salary with take home pay of 56,045 dollars after taxes. Texas offers a 75,000 dollar salary with take home pay of approximately 56,045 dollars after taxes. In this case, both states give you the same take home pay even though Texas has no state tax. Always compare total compensation, not just taxes.
VIRGINIA VS TEXAS WHICH IS BETTER
Virginia has a state income tax of 2 percent to 5.75 percent. Texas has zero state income tax. Virginia has no local tax. Texas also has no local tax. Virginia has no SDI tax. Texas also has no SDI tax.
Virginia advantages include higher salaries in government contracting and technology. There are excellent schools and universities. You experience four distinct seasons. You have access to mountains and beaches. Washington DC is nearby for federal jobs.
Texas advantages include no state income tax. Housing costs are lower than Northern Virginia. The job market is growing fast in tech and energy. Major job centers include Houston, Dallas, Austin, and San Antonio. You have no winter heating costs.
VIRGINIA VS FLORIDA WHICH IS BETTER
Virginia has a state income tax of 2 percent to 5.75 percent. Florida has zero state income tax. Virginia has no local tax. Florida also has no local tax. Virginia has no SDI tax. Florida also has no SDI tax.
Florida advantages include no state income tax. The weather is warm year round. There is no winter heating costs. There is no state estate tax. Major job centers include Miami, Orlando, Tampa, and Jacksonville.
Virginia advantages include higher salaries in government, defense, and technology. You have access to top ranked schools. The job market is stable with many federal agencies. You are close to Washington DC.
WHO SHOULD CHOOSE VIRGINIA
Staying in Virginia makes sense if your salary would drop significantly in another state. If your industry is concentrated in Virginia such as government contracting or defense, you should stay. If you have family or personal reasons to stay, Virginia is a good choice. If you value the Mid Atlantic lifestyle with four seasons, Virginia works well.
WHO SHOULD CHOOSE TEXAS OR FLORIDA
Moving to Texas or Florida makes sense if you can keep your current Virginia salary while working remotely. If your industry pays similar wages in Texas or Florida, moving is a good option. If you are a high earner making over 150,000 dollars, moving saves you thousands. If you are retired and living on investment or pension income, no tax states are better. If you want to maximize your take home pay, Texas and Florida are excellent choices.
THE BOTTOM LINE
Virginia has moderate state taxes compared to most states. But Texas and Florida have zero state income tax. On a 90,000 dollar salary, moving from Virginia to Texas or Florida puts approximately 5,175 dollars more in your pocket every year.
However, Virginia often pays higher salaries than Texas or Florida for government, defense, and technology jobs. Always compare total compensation, not just taxes. A higher salary in Virginia can easily offset the state tax difference.
USE OUR CALCULATOR TO COMPARE
Try our calculator above. Change the state from Virginia to Texas or Florida while keeping the same salary. See exactly how much more you would take home in a no tax state.
VIRGINIA TAX CHANGES FOR 2026 — NEW 10 PERCENT BRACKET FOR HIGH EARNERS
Frequently Asked Questions
Virginia uses a progressive tax system with four brackets. The rates are 2 percent, 3 percent, 5 percent, and 5.75 percent. The 5.75 percent rate applies to income over 17,000 dollars. Starting in 2026, a new 10 percent bracket applies to income over 1 million dollars.
No. Virginia has no local income tax. Cities like Richmond, Virginia Beach, Norfolk, and Alexandria do not charge any local income tax. Every dollar you earn for work in Virginia is only taxed at the state level.
No. Virginia does not have State Disability Insurance tax. Unlike California where workers pay 1.1 percent SDI, Virginia workers pay nothing. Your paycheck does not have an SDI deduction in Virginia.
Social Security takes 6.2 percent of your gross pay up to 176,100 dollars per year. Medicare takes 1.45 percent of all your gross pay with no limit. These are federal taxes, not Virginia state taxes. They apply to every worker in every state the same way.
The Virginia standard deduction for 2026 is 8,000 dollars for single filers and head of household. For married couples filing jointly, the standard deduction is 16,000 dollars. You can also claim personal exemptions of 930 dollars for yourself and each dependent.
No. Virginia does not tax Social Security benefits. However, Social Security tax is still deducted from your paycheck at 6.2 percent up to 176,100 dollars. That is a federal tax, not a state tax.
Virginia taxes most retirement income including 401k withdrawals, traditional IRA withdrawals, and pension income. However, Virginia allows a deduction for taxpayers age 65 and older. Military retirement income is partially exempt. Social Security benefits are fully exempt.
According to the Massachusetts Institute of Technology, a single adult with no children in Virginia needs to earn approximately 25 dollars and 72 cents per hour or 53,500 dollars per year to meet basic needs. This includes housing, food, healthcare, and other essentials.
The median household income in Virginia is approximately 92,090 dollars per year. This means half of Virginia households earn more than this amount and half earn less. Our calculator uses 90,000 dollars as a realistic example for the average Virginia worker.
North Carolina has a flat state income tax rate of 4.5 percent. On a 90,000 dollar salary, a single filer in Virginia pays approximately 5,175 dollars in state tax. The same salary in North Carolina pays approximately 4,050 dollars in state tax. North Carolina gives you about 1,125 dollars more per year.
No. Never turn down free money. You always keep most of your bonus. On a 10,000bonus,youkeepapproximately10,000bonus,youkeepapproximately7,000 to $8,000 after all taxes. The government does not take your entire bonus.
Use this simple formula. Start with your gross bonus amount. Subtract federal tax at 22 percent. Subtract state tax at your state rate. Subtract Social Security at 6.2 percent. Subtract Medicare at 1.45 percent. The result is your net bonus. You can also use our calculator above for an instant answer.
Your bonus check has higher tax withholding than your regular paycheck. Your regular paycheck withholds tax based on your estimated annual income. Your bonus uses the flat 22 percent rate plus state tax and FICA. The withholding is higher, but you may get some back as a refund at tax time.
Use our calculator above to see exactly how much of your bonus you will keep. Enter your bonus amount, select your state, and add a 401k percentage. The results update instantly.
Related Calculators You May Find Useful
MAIN PAYCHECK CALCULATOR: Calculate take home pay for any state
TEXAS PAYCHECK CALCULATOR: Zero state income tax, no SDI, no local tax
FLORIDA PAYCHECK CALCULATOR: Another no tax state with warm weather
CALIFORNIA PAYCHECK CALCULATOR: 9.3 percent state tax plus 1.1 percent SDI
NEW YORK PAYCHECK CALCULATOR: 6.5 percent state tax with up to 3.9 percent NYC local tax
NORTH CAROLINA PAYCHECK CALCULATOR: 4.5 percent flat state tax rate
HOURLY TO SALARY CALCULATOR: Convert hourly wage to annual salary
- PAYROLL DEDUCTIONS CALCULATOR: See exactly what comes out of your paycheck
WHY THOUSANDS OF USERS TRUST OUR VIRGINIA PAYCHECK CALCULATOR
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ACCURATE FOR VIRGINIA: Includes 2 percent to 5.75 percent progressive state tax
UPDATED FOR 2026: Uses the latest federal and Virginia tax brackets
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REVIEWED BY TAX PROFESSIONALS: Our calculations are verified by certified tax experts
USED BY THOUSANDS MONTHLY: Join workers across Virginia who use our calculator
OUR CALCULATOR IS COMPLETELY FREE FOREVER
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OUR CALCULATOR IS ACCURATE FOR VIRGINIA WORKERS
Our calculator uses the official Virginia tax brackets. The rates are 2 percent on the first 3,000 dollars, 3 percent on the next 2,000 dollars, 5 percent on the next 12,000 dollars, and 5.75 percent on income over 17,000 dollars. We have confirmed that Virginia has no local income tax and no SDI tax. You get accurate take home pay estimates for Virginia workers.
WE UPDATE OUR CALCULATOR FOR 2026 TAX LAWS
Our calculator uses the latest 2026 federal tax brackets. The standard deduction is 15,000 dollars for single filers and 30,000 dollars for married couples filing jointly. The Social Security wage base is 176,100 dollars. We have also included Virginia’s new 10 percent bracket for high earners over 1 million dollars starting in 2026. No outdated information.
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OUR CALCULATIONS ARE REVIEWED BY TAX PROFESSIONALS
Our calculations are reviewed by certified tax professionals to ensure accuracy. We update our tax brackets and deduction limits when official sources announce changes. You can trust that our numbers are correct.
THOUSANDS OF USERS TRUST OUR CALCULATOR EVERY MONTH
Join thousands of workers who use our calculator every month. They use it to understand their take home pay, plan their budget, and compare job offers across different states. Our users include employees, freelancers, contractors, and small business owners.
OUR DATA COMES FROM OFFICIAL SOURCES
Our Virginia tax brackets come from the Virginia Department of Taxation. Our federal tax brackets come from the Internal Revenue Service. Our Social Security information comes from the Social Security Administration. We only use official government sources for our data.
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