Arizona income tax rate for 2026
Arizona moved to a single flat rate in 2023, one of the lowest flat income taxes in the country. You subtract a standard deduction that conforms to the federal amounts, then apply the flat rate to what is left.
| Taxable income | Rate |
|---|---|
| All taxable income (after the standard deduction) | 2.5% |
2025 flat rate. Standard deduction conforms to federal: $15,750 single, $31,500 married. Arizona has no local income tax.
What $70,000 looks like after taxes in Arizona
Here is how a $70,000 salary breaks down for a single filer with no 401(k) or other pre-tax deductions. Use the calculator above with your real numbers for an exact result.
| Gross salary | $70,000 |
| Federal income tax | $6,570 |
| Social Security + Medicare (FICA) | $5,355 |
| Arizona income tax | $1,356 |
| Total tax | $13,281 |
| Take-home pay | $56,719 |
That leaves about $56,719 in take-home pay, roughly 81.0% of gross, for an effective total tax rate near 19.0%. At just 2.5%, Arizona income tax is only about $1,356, one of the smallest state bites of any state that taxes wages.
How Arizona's 2.5% flat tax compares
Among states that tax wages, Arizona's 2.5% is at the bottom of the range. On the same $70,000 salary, Arizona's state tax is roughly $1,356, versus about $2,592 in South Carolina and close to $5,000 in higher-tax states like Oregon. Only the no-income-tax states keep more.
Because the rate is so low, federal income tax and FICA dominate an Arizona paycheck. The biggest lever you control is pre-tax savings: 401(k) and HSA contributions reduce your much larger federal bill, not just the small state one.
What shapes your Arizona take-home pay
Federal income tax and FICA come out of every U.S. paycheck the same way; the state layer is what makes a Arizona paycheck specific. Arizona levies a flat 2.5% income tax, one of the lowest flat rates in the country, after a standard deduction that conforms to the federal amounts ($15,750 single / $31,500 married for 2025). Arizona has no local income tax.
Your take-home (net) pay is your gross minus federal tax, FICA, those Arizona taxes, and any pre-tax deductions. The calculator above applies them in order, so the figure you see reflects what actually reaches your account each payday.
The deductions, step by step
- Pre-tax deductions, traditional 401(k), HSA, and pre-tax health premiums come out first and lower your taxable income (your 401(k) still counts for Social Security and Medicare, though).
- Federal income tax, applied to income after the standard deduction using the 2026 progressive brackets for your filing status.
- FICA, Social Security at 6.2% (up to the annual wage base) plus Medicare at 1.45% on all wages, with an extra 0.9% on wages above $200,000.
- Arizona tax, Arizona levies a flat 2.5% income tax, one of the lowest flat rates in the country, after a standard deduction that conforms to the federal amounts ($15,750 single / $31,500 married for 2025). Arizona has no local income tax.
Biweekly vs. monthly, does it change your taxes?
No. Your total annual tax depends on what you earn in a year, not how often you're paid. A biweekly schedule (26 checks) simply slices the same annual take-home into smaller, more frequent amounts than a monthly schedule (12 checks). Switch the pay-frequency selector above and you'll see the per-paycheck figure change while the annual totals stay put.
Make your estimate more accurate
- Set your real 401(k) percentage and HSA amount, pre-tax contributions can noticeably raise take-home-adjusted savings.
- Choose the filing status that matches your W-4; married filing jointly widens the brackets.
- Add your pre-tax health premium if your employer deducts it before taxes.
This is an estimate of annual tax liability, not exact per-paycheck withholding (which follows IRS Pub 15-T tables and your specific W-4). It uses 2026 federal and FICA figures and applies each state's latest published income-tax schedule (2025 for most states until 2026 rates are released); it doesn't model local city taxes, post-tax deductions, or tax credits. Treat the result as a close ballpark, and check your actual pay stub for the precise numbers.