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Colorado vs. Arizona: Take-Home Pay Comparison (2026)

How much of your paycheck you keep in Colorado compared with Arizona, using 2026 federal and state tax rules for a single filer.

Updated 2026 IRS & state tax tables
Colorado$59,001take-home on $75,000Flat 4.4% income taxColorado paycheck calculator →
vs.
Arizona$59,926take-home on $75,000Flat 2.5% income taxArizona paycheck calculator →

On a $75,000 salary, you keep about $925 more per year ($77 a month) in Arizona than in Colorado.

Take-home pay by salary

SalaryColoradoArizonaDifference
$50,000$40,863$41,314−$450 Arizona
$75,000$59,001$59,926−$925 Arizona
$100,000$75,488$76,889−$1,400 Arizona
$150,000$107,899$110,250−$2,350 Arizona
$200,000$140,835$144,136−$3,300 Arizona

Single filer, standard deduction, wages only, no 401(k) or pre-tax benefits. Local income taxes (for example New York City or some Ohio and Pennsylvania cities) are not included.

Where the difference comes from

Federal income tax, Social Security (6.2%) and Medicare (1.45%) are the same everywhere in the U.S., so the gap comes entirely from state income tax. On $75,000, state income tax is about $2,592 in Colorado and $1,666 in Arizona.

  • Colorado: Flat 4.4% income tax, with a 2.9% state sales tax (about 7.81% on average including local taxes).
  • Arizona: Flat 2.5% income tax, with a 5.6% state sales tax (about 8.38% on average including local taxes).

Income tax isn't the whole picture

States without an income tax often collect more through sales taxes, property taxes or fees, and housing costs can differ far more than taxes. Before moving, compare rent or home prices, property tax rates, car insurance, utilities and, if you work remotely, which state can tax your income. If you keep a job in one state while living in another, you may owe tax to both, usually with a credit to avoid paying twice.

For your exact numbers — including 401(k) contributions, pay frequency and filing status — use the Colorado and Arizona paycheck calculators, or explore every state on our Money Map.

Frequently asked questions

Is Colorado or Arizona better for take-home pay?
For a single filer earning $75,000 in 2026, take-home pay is about $59,001 in Colorado and $59,926 in Arizona, so Arizona comes out about $925 a year ahead. The gap grows at higher incomes when one state has higher income tax rates.
Does Colorado have state income tax?
Colorado has flat 4.4% income tax for 2026.
Does Arizona have state income tax?
Arizona has flat 2.5% income tax for 2026.
What else should I compare besides income tax?
Sales tax, property taxes, housing costs, insurance and local income taxes can outweigh income tax differences. A state with no income tax often relies more on sales or property taxes.

More state comparisons

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