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Arizona Paycheck Calculator

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Use SmartAsset's paycheck calculator to calculate your take home pay per paycheck for both salary and hourly jobs after taking into account federal, state, and local taxes.

Overview of Arizona Taxes

The Grand Canyon state has a variable tax rate that depends on your income and Arizona tax legislation. There are five tax brackets, and based on your income you will be taxed between 2.59% and 4.54%.

Luckily for residents, there is no local tax rate, so that will save you a few more dollars come payday. Of course, you’ll have federal taxes deducted from each paycheck along with your state taxes.

This calculator reflects the 2018 federal withholding tax changes.
Click here to learn more about how the Trump Tax Plan will affect you.

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  • Our Tax Expert

    Jennifer Mansfield, CPA Tax

    Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.

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Arizona Paycheck Quick Facts
  • Arizona income tax rate: 2.59% - 4.54%
  • Median household income: $51,340 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 0

How Your Arizona Paycheck Works

Just because Arizona is the newest continental state in the union, doesn’t mean that residents are exempt from taxes. Like other states, your employer will withhold federal income and FICA taxes from every paycheck. If you don’t already know, that money gets forwarded to the IRS, who then divvies it up into Social Security, Medicare and, of course, your annual income taxes. Based on the information you provide on your W-4 form (which you need to fill out every time your status changes or you get a new job), your employer will withhold a certain amount of taxes.

The amount withheld depends on a wide range of factors, including how often you get paid, your withholding allowances and your marital status. If you’re married but filing jointly that will affect your taxes as well. If you have dependents that might put a few extra dollars in your pocket since you’ll probably qualify for certain withholding allowances.

In December 2017, President Trump signed a new tax plan into law. The IRS has since released updated tax withholding guidelines and taxpayers should have seen changes to their paychecks, to reflect the new tax plan, starting in February 2018. When exactly you see changes will depend on when your employer makes the change and how often you receive paychecks. For the time being, taxpayers do not need to fill out a new W-4. Employers will use the withholdings on your current form.

The number of pre- and post-tax deductions you have will impact whether you have more or less taxes withheld from your paycheck. If your employer offers benefits that can help you qualify for deductions, taking advantage of them might help with your tax situation. For example, if your employer has a 401(k) plan you can contribute to it. This money will be deducted before taxes are taken out and will effectively lower your taxable income. You could also put money in a Health Savings Account or Flexible Spending Account. Again, this money will be deducted before taxes are taken out and will effectively lower your taxable income.

Arizona Median Household Income

YearMedian Household Income

Filing as a single person in Arizona, you will get taxed 2.59% on your first $10,179 of taxable income; 2.88% up to $25,445; 3.36% up to 50,890; 4.24% up to $152,668 and 4.54% if you make more than that. If you decide to file jointly or you’re the head of household (as in you’re the only one in your casa who is earning taxable income), the income brackets are roughly doubled and the tax rates are the same.

If you work in certain industries, your employer might not have to withhold Arizona taxes. If you’re the spouse of someone who in the Armed Forces who is in Arizona on military orders, then you might be exempt. You will need to prove that you’re there solely to join your spouse and you and your spouse maintain a domicile in another state. Other industries that are exempt from withholding include seasonal agricultural workers, motion picture production employees or non-residents who are in Arizona temporarily to help with disaster recovery.

Income Tax Brackets

Single Filers
Arizona Taxable IncomeRate
$0 - $10,1792.59%
$10,179 - $25,4452.88%
$25,445 - $50,8903.36%
$50,890 - $152,6684.24%
Married, Filing Jointly
Arizona Taxable IncomeRate
$0 - $20,3252.59%
$20,325 - $50,8122.88%
$50,812 - $101,6233.36%
$101,623 - $304,8684.24%
Married, Filing Separately
Arizona Taxable IncomeRate
$0 - $10,1632.59%
$10,163 - $25,4062.88%
$25,406 - $50,8123.36%
$50,812 - $152,4344.24%
Head of Household
Arizona Taxable IncomeRate
$0 - $20,3252.59%
$20,325 - $50,8122.88%
$50,812 - $101,6233.36%
$101,623 - $304,8684.24%

How You Can Affect Your Arizona Paycheck

When reviewing your W-4, you might want to see if there are different ways to tweak your paycheck. It’s a good idea especially if you pay a lot of taxes when you’re filing in April, or get a huge refund come tax season. You wouldn’t want to be penalized for underpaying, or not be able to use money you overpaid to the IRS for a whole year, would you?

If you think you might pay a lot of taxes when filing you can get more withheld from each paycheck throughout the year. All you have to do is ask your employer to do so on the appropriate line of the W-4. You can specify a dollar amount to be withheld. Yes, you’ll be getting a smaller paycheck, but you might thank yourself later when you end up avoiding paying a huge lump sum in April.

You can also change your allowances if you want to change your withholding. Changes such as purchasing a new property or getting married or divorced can alter how much is taken from each paycheck. Play around with the paycheck calculator and add or subtract personal allowances for a more accurate estimate.

If you are considering purchasing a new property with a home loan or refinancing a current home loan, take a look at our guide to Arizona mortgage rates and getting a mortgage in the Grand Canyon State.

If you get a second job, you might be in the clear if it falls under one of the withholding exemptions. If you do casual labor (such as cleaning houses), you might be exempt as well. It’s best to look up your specific situation to see what qualifies. If you work overtime, you may be taking home a smaller paycheck than you expect if you end up being taxed at a higher tax bracket. Do some quick calculations to see if the extra hours are worth it to you.

Modifying your pre-tax contributions will also affect the amount of taxes withheld. Think about saving more in your retirement accounts, like a 403(b) or 401(k) to have less taxable income (this is a pre-tax deduction). Other factors like putting money into group life insurance or a Flexible Spending Account will also affect how much money you take home each month.

Arizona Top Income Tax Rate

YearTop Income Tax Rate

Most Paycheck Friendly Places

SmartAsset's interactive map highlights the most paycheck friendly counties across the country. Zoom between states and the national map to see data points for each region, or look specifically at one of the four factors driving our analysis: Semi-Monthly Paycheck, Purchasing Power, Unemployment Rate, and Income Growth.

Rank County Semi-Monthly Paycheck Purchasing Power Unemployment Rate Income Growth

Methodology Our study aims to find the most paycheck friendly places in the country. These are places in the country with favorable economic conditions where you get to keep more of the money you make. To find these places we considered four different factors: semi-monthly paycheck, purchasing power, unemployment rate and income growth.

First, we calculated the semi-monthly paycheck for a single individual with two personal allowances. We applied relevant deductions and exemptions before calculating income tax withholding. To better compare withholding across counties we assumed a $50,000 annual income. We then indexed the paycheck amount for each county to reflect the counties with the lowest withholding burden.

We then created a purchasing power index for each county. This reflects the counties with the highest ratio of household income to cost of living. We also created an unemployment rate index that shows the counties with the lowest unemployment. For income growth, we calculated the annual growth in median income over five years for each county and indexed the results.

Finally, we calculated the weighted average of the indices to yield an overall paycheck friendliness score. We used a one half weighting for semi-monthly paycheck and a one-sixth weighting for purchasing power, unemployment rate and income growth. We indexed the final number so higher values reflect the most paycheck friendly places.

Sources: SmartAsset, government websites, US Census Bureau 2016 5-Year American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics