2026 Virginia Paycheck Calculator
Updated 2026 · IRS Pub 15-T · SSA · Virginia DOR · Private browser calculation
On a $100,000 salary in Virginia, a single filer keeps about $75,078 take-home per year (24.9% effective tax rate) after federal, Virginia state, and FICA withholding in 2026.
2026 data verified · Last checked June 11, 2026
In Virginia, a single filer earning $75,000 per year takes home approximately $58,928 after taxes (2026). Federal tax: $7,670 | Virginia state tax: $2,665 | FICA: $5,738.
21.4% effective tax rate
Virginia uses a progressive state income tax system. Higher income levels are subject to higher marginal rates, so your effective Virginia state withholding rate depends on your total annual income and filing status. Federal income tax and FICA are calculated separately and also reduce your take-home pay each pay period.
See how all 51 states rank for take-home pay in our Best States for Take-Home Pay 2026 research study.
Most W-2 paychecks in Virginia include several standard withholding categories. Your employer uses IRS Publication 15-T tables for federal income tax, then applies payroll taxes and any state or local taxes required for your work location.
Your annual salary is the same whether you are paid weekly, biweekly, semi-monthly, or monthly, but each paycheck amount differs because the number of pay periods changes. Weekly pay divides your annual gross into 52 checks; biweekly into 26; semi-monthly into 24; and monthly into 12. Withholding tables account for pay frequency, so per-check federal and state amounts may not be a simple annual total divided evenly. Comparing offers or budgeting often requires looking at both per-paycheck net and annual take-home together.
Filing status — Single, Married Filing Jointly, or Head of Household — changes the withholding brackets your employer uses for federal income tax and, in most states with income tax, for state withholding as well. Two employees earning the same salary in Virginia can have different net pay if their filing status or W-4 entries differ. Updating your W-4 after a marriage, divorce, or dependent change is the most common way to align withholding with your expected tax situation.
See take-home pay for common jobs in Virginia after federal and state taxes:
Virginia uses a progressive state income tax structure, so withholding rises as taxable wages move into higher state brackets.
Your effective state tax rate is usually lower than the top marginal rate because only part of your wages is taxed at each higher bracket.
Virginia does not generally add a separate statewide local income tax layer to the default estimate shown in this calculator.
Use the calculator above to adjust salary, filing status, pay frequency, and deductions for a more specific Virginia paycheck estimate.
On the engine-backed $100,000 example used elsewhere on this page, Virginia produces an estimated annual take-home pay of $75,078 with an effective total tax rate of 24.9%.
Virginia uses graduated state income tax brackets, so withholding changes more by taxable wage level than it does in flat-tax neighbors such as North Carolina.
At the same time, Virginia usually does not add the kind of routine city wage tax layer that makes New York or Ohio paychecks harder to interpret.
Use this page with the Virginia bonus tax calculator when a supplemental paycheck uses flat withholding, or read how overtime is taxed in 2026 if extra hours push a pay period into a higher bracket. Equity-heavy roles should also model RSU vesting tax separately from base salary.
For relocation math, Virginia vs Maryland shows the same salary side by side. · State Income Tax Rankings 2026 · W-4 withholding optimization · 401(k) paycheck impact.
That makes Virginia a useful middle-ground comparison for East Coast workers choosing between Maryland, North Carolina, and Texas.
The important search intent is not whether Virginia taxes wages at all, but how much a traditional state-tax structure changes net pay versus a flat-tax or no-tax alternative.
Compare Virginia directly with no-tax or nearby alternatives:
Net pay is the amount you actually receive after payroll deductions. It starts with gross pay, then subtracts federal income tax, Social Security, Medicare, state or local tax, and any voluntary deductions.
Take-home pay equals gross pay minus taxes and deductions. A paycheck calculator applies federal withholding, FICA, state income tax, local taxes where applicable, and pre-tax or post-tax deductions in the correct order.
Gross pay is earnings before deductions. Net pay is what remains after payroll taxes, benefits, retirement contributions, insurance premiums, garnishments, and other paycheck deductions.
Pre-tax deductions can reduce taxable wages before income tax is calculated. A 401(k), HSA, or FSA may lower federal and state taxable income, but some deductions do not reduce Social Security or Medicare wages.
Post-tax deductions are taken after payroll taxes are calculated. Examples may include Roth 401(k) contributions, certain insurance payments, wage garnishments, or after-tax benefits.
Yes. Virginia has a graduated individual income tax with rates of 2%, 3%, 5%, and 5.75%. The top 5.75% rate applies to Virginia taxable income above $17,000.
A single filer earning $75,000 in Virginia should expect roughly $3,600 to $4,200 of Virginia income tax for the year, depending on deductions and credits. This is an estimate and excludes federal tax and FICA.
Virginia's top bracket begins at a relatively low taxable income level, so many full-time workers reach the 5.75% marginal rate. For 2025 and 2026, Virginia also uses a higher standard deduction than older tables.
Virginia does not tax Social Security benefits or Tier 1 Railroad Retirement benefits. Other retirement income may be taxable, although age deductions and military retirement subtractions can apply.
Assumptions: Single filer · Standard deduction · Biweekly pay · No pre-tax deductions · Estimates paycheck withholding, not final tax liability · Source: state DOR + IRS Pub 15-T, 2026
Tax rates verified for 2026 tax year.
ExactTakeHome starts with gross pay, applies your pay frequency, subtracts eligible pre-tax deductions (401k, HSA, FSA) from federal taxable wages, calculates federal income tax withholding using IRS Publication 15-T percentage method tables, applies Social Security (6.2% up to $184,500 wage base) and Medicare (1.45%) taxes on gross wages, then applies Virginia state income tax using the 2026 withholding tables from the Virginia Department of Taxation. Local tax is applied where available (NYC, Philadelphia, Columbus OH). Final take-home is an estimate of paycheck withholding, not your final tax return liability.
Calculate your Virginia take-home pay after federal withholding, FICA, state taxes, local taxes, and pre-tax deductions.
Pre-tax deductions like 401(k), HSA, and health insurance premiums reduce your taxable wages before federal income tax is calculated. This means you pay less tax on every paycheck — not just defer the money.
Why take-home increases: A 6% 401(k) contribution on $75,000 reduces taxable wages by $4,500, cutting both federal income tax and Virginia state income tax on that amount. Social Security and Medicare still apply to the original gross wages.
Pay frequency changes your paycheck size, not your annual salary. Withholding tables annualise each paycheck, so weekly and monthly results may differ slightly from biweekly.
Based on $75,000 annual salary, single filing status, no pre-tax deductions, Virginia withholding. Use the calculator above for your exact filing status and deductions.
Virginia is closely tied to the DC and Maryland labor markets, so reciprocity and residency are important. A worker's home state, work location, and exemption certificate can change payroll treatment.
Yes. Virginia uses a progressive income tax system, so state withholding can vary with taxable income and filing setup.
Reciprocity rules may allow certain commuters to avoid Virginia withholding and pay tax to their resident jurisdiction instead. The correct setup depends on residency and employer documentation.
Quick answer: $100,000 after taxes in Virginia (2026)
Estimated take-home pay: $75,078/year ($6,256/month · $2,888/biweekly). Effective tax rate: 24.9%.
Virginia paychecks start with federal income tax withholding using the employee's Form W-4 and IRS 2026 wage-bracket or percentage-method tables in Publication 15-T.
FICA is calculated separately: Social Security is 6.2% on 2026 wages up to the SSA taxable maximum of $184,500, and Medicare is 1.45% on all covered wages with no wage cap.
Employers must also withhold the 0.9% Additional Medicare Tax once an employee's Medicare wages exceed $200,000 in a calendar year.
Virginia uses a graduated individual income tax: 2% on taxable income not over $3,000; 3% on $3,000 to $5,000; 5% on $5,000 to $17,000; and 5.75% on income over $17,000. Virginia's employer withholding tables effective July 2025 apply these state withholding formulas for regular payroll wages. Virginia does not have a statewide employee-paid disability insurance or paid family leave payroll tax that affects standard wage withholding.
Estimates assume standard 2026 withholding, single filing status, and no pre-tax deductions; actual paycheck may differ.
| Tax | 2026 Rate | Wage Cap | Source |
|---|---|---|---|
| Federal Income Tax | 10%–37% (percentage-method withholding) | No wage cap | IRS Pub. 15-T |
| Social Security | 6.2% employee withholding | $184,500 | SSA 2026 |
| Medicare | 1.45% employee withholding | No wage cap | IRS Pub. 15 |
| Additional Medicare Surtax | 0.9% on wages over $200,000 | No wage cap | IRS Topic 560 |
| Virginia State Income Tax | Graduated 2%–5.75% | No wage cap | Virginia Tax 2026 |
Local taxes in some cities change your take-home pay beyond the state rate.
Compare two salary offers in different states
Compare Virginia take-home with other states:
The Virginia paycheck calculator computes your exact take-home pay for 2026.
For a $75,000 salary, a single filer in Virginia takes home $58,928 per year ($2,266 per biweekly paycheck) after federal and state taxes.
Example Calculation — $75,000 Salary
$75,000 salary in Virginia
$58,928/year
$2,266 per biweekly paycheck
21.4% effective tax rate| Federal income tax | -$7,670 |
| Social Security (6.2%) | -$4,650 |
| Medicare (1.45%) | -$1,088 |
| Virginia state tax | -$2,665 |
Assumptions: Single filer · Biweekly · No 401(k) · Standard W-4 · Customize below ↓
Virginia taxes wages on a graduated scale, with 2026 rates ranging from 2% to 5.75%. For a single filer earning $100,000, the effective Virginia state income tax rate is approximately 4.1%, and the annual take-home pay is approximately $75,078 after all taxes.
Use the calculator above to enter your exact salary, filing status, and pre-tax deductions for a precise Virginia take-home pay estimate.
Virginia uses a progressive income tax system, so state withholding can change as taxable income rises. Employers generally withhold Virginia income tax from Virginia wages unless a reciprocity rule applies.
ExactTakeHome tax data is sourced from official government publications and verified against primary sources. Last verified: .