How Illinois taxes your paycheck in 2026
Illinois uses a flat 4.95% income tax. On top of that, every Illinois worker pays federal income tax plus 6.2% Social Security (on the first $184,500 of 2026 wages) and 1.45% Medicare with no cap. This calculator applies all of it at once, so the take-home figure is the real one.
Illinois income tax brackets, 2026
Applied to taxable income — that is, your wages after the Illinois standard deduction and personal exemption. Single filer figures shown.
| Rate | Taxable income (single) |
|---|---|
| 4.95% | $0 and above |
Standard deduction: none · Personal exemption: $2,925 single / $5,850 married.
What Illinois state tax costs at different salaries
Single filer, Illinois state income tax only — federal tax and FICA are on top of these figures.
| Annual salary | Illinois income tax | Effective rate |
|---|---|---|
| $50,000 | $2,330 | 4.66% |
| $75,000 | $3,568 | 4.76% |
| $100,000 | $4,805 | 4.81% |
| $150,000 | $7,280 | 4.85% |
How Illinois compares with neighbouring states
State income tax owed by a single filer on a $75,000 salary — Illinois against the states around it:
| State | Tax on $75,000 | Effective rate |
|---|---|---|
| Indiana | $2,183 | 2.91% |
| Iowa | $2,238 | 2.98% |
| Missouri | $2,588 | 3.45% |
| Wisconsin | $2,594 | 3.46% |
| Illinois (this state) | $3,568 | 4.76% |
Illinois ranks highest of these 5 at that salary, costing about $1,385 a year more than Indiana. Where you physically work usually decides which state withholds, so a short commute across a border can change your take-home meaningfully.
Why your effective Illinois rate isn't 4.95%
On a $75,000 salary the headline rate is 4.95%, but the real bite is about 4.76%. Two things cause the gap. First, Illinois shelters the first $2,925 of income before any tax applies.
Worth noting: Illinois's $2,925 of shelter is well below the federal standard deduction of $16,100, so you pay Illinois tax on roughly $13,175 more income than you pay federal tax on — about $652 a year in extra state tax at the top rate.
No local income tax in Illinois. No city or county levies its own income tax, so the figure above is your complete state and local income tax picture.
Federal taxes on top
Every Illinois worker also pays federal income tax plus 6.2% Social Security and 1.45% Medicare. Those rules are identical in all 50 states — see the main paycheck calculator for how FICA, the wage base, pre-tax deductions and FICA-exempt occupations work.
Nearby states
Compare Illinois with Indiana, Wisconsin, Missouri, Iowa — or see the full list of all 50 states and DC.