StubRate · Take-home calculator · Arizona
Take-home pay in Arizona
Estimate what a salary in Arizona (AZ) becomes after federal tax, ≈2.5% effective state income tax estimate, FICA, typical benefits, and optional commute costs.
Arizona taxes wages, but StubRate’s effective-rate shortcut is on the low side compared with California or New York. Federal tax and FICA still take the first bite of a Phoenix or Tucson salary.
Job seekers use this page for tech and healthcare offers in the Valley, university jobs in Tucson, and remote roles that list Arizona as the tax home. Pair the tax table with commute days—heat does not make traffic free.
Sample: $85,000 single filer in Arizona → about $5,142/mo net (72.6% stub rate) and $4,965/mo after a modest hybrid commute and lunches. Assumptions: 5% 401(k), $140/month health, three office days, 12 miles each way.
Your stub rate
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Enter a salary to see your stub rate
- Monthly take-home
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- Per paycheck
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- True monthly (after job costs)
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- Effective hourly
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Where the money goes
- Federal tax—
- State tax—
- Social Security + Medicare—
- 401(k)—
- Health premiums—
- Commute & work costs—
Income tax in Arizona
StubRate uses about 2.5% as an educational effective Arizona rate. Real Arizona tax is not a single forever-flat number for every filer; treat the output as a comparison tool, not a Department of Revenue transcript.
No local wage tax like some Midwest cities. Your stub-rate gap versus California is mostly state income tax plus whatever housing difference you actually live with.
Every U.S. W-2 wage still faces federal income tax and FICA (Social Security plus Medicare). Arizona’s difference is the state line—and any local wage tax if your city charges one.
Sample take-home by salary in Arizona
Single filer, biweekly pay, 5% traditional 401(k), $140/month health premium, no commute. Educational estimates only.
| Gross salary | Est. net / month | Est. net / year | Stub rate | State tax / year |
|---|---|---|---|---|
| $50,000 | $3,127 | $37,518 | 75.0% | $1,146 |
| $75,000 | $4,609 | $55,302 | 73.7% | $1,739 |
| $100,000 | $5,943 | $71,321 | 71.3% | $2,333 |
| $125,000 | $7,278 | $87,340 | 69.9% | $2,927 |
| $150,000 | $8,576 | $102,909 | 68.6% | $3,521 |
Living and commuting in Arizona
Phoenix, Mesa, Scottsdale, Tucson, and Flagstaff do not share one rent number. Valley commutes are long and car-dependent; summer AC costs show up on the utility bill, not the W-2.
If the office is in Tempe and you live in Surprise, enter real miles. A $95k offer with five days on Loop 101 can lose to a $90k hybrid role after gas and time.
Common job markets on this page: Phoenix, Tucson, Mesa, Scottsdale, Flagstaff. Housing and office days change true stub rate more than a small difference in the state tax shortcut.
Compare two offers if one job is in Arizona and the other is elsewhere—or if commute days differ.
Nearby take-home calculators
Same salary, different state tax line. Open a neighbor to compare.
Guides that pair with Arizona take-home
Arizona take-home questions
Does Arizona have state income tax?
Yes. StubRate uses an approximate 2.5% effective rate for estimates—not a full bracket simulation or every local wage tax.
What is take-home pay on $85,000 in Arizona?
Using StubRate’s sample for a single filer with 5% 401(k) and a $140/month health premium, about $5,142/month net before extra job costs, or roughly $4,965/month after a modest hybrid commute (three office days, 12 miles each way, lunches). Your numbers will differ.
How much do I keep on $100,000 in Arizona?
Under the tax-only sample (single, 5% 401(k), $140/month health, no commute), about $5,943/month, or 71.3% of gross. Add commute and lunches in the calculator to see true take-home.
Is this Arizona calculator official tax software?
No. It is an educational estimate for comparing offers. It does not file a return, model every local tax, or replace a payroll sample or a tax professional.