2026 State Take-Home Comparison
Florida vs Illinois Take-Home Pay (2026)
Moving from Florida to Illinois: paycheck difference after taxes
On a $75,000 salary, moving from Florida to Illinois means earning $3,713 less per year after taxes — about $143 less per biweekly paycheck. Federal income tax and FICA stay the same; the difference comes from state tax.
What changes: State income tax. What stays the same: Federal income tax and FICA (Social Security + Medicare) are the same in every state for the same salary and filing status. Estimates based on $75,000 salary, single, biweekly. Use the calculator below for your numbers.
Florida vs Illinois — Take-Home Pay Overview
Florida has no state income tax on wage income, while Illinois uses a flat state income tax.
For workers comparing the two states, that means Florida generally leaves more paycheck income after withholding than Illinois under the same salary assumptions.
| Salary | Florida Take-Home | Illinois Take-Home |
|---|---|---|
| $50,000 | $42,355 | $39,880 |
| $75,000 | $61,593 | $57,880 |
| $100,000 | $79,180 | $74,230 |
On a $100,000 salary, you take home $4,950 more per year in Florida than in Illinois.
$100,000 Salary: Florida vs Illinois
| Tax / Component | Florida | Illinois | Difference |
|---|---|---|---|
| Federal Income Tax | $13,170 | $13,170 | same |
| State Income Tax | $0 | $4,950 | -$4,950 |
| Social Security | $6,200 | $6,200 | same |
| Medicare | $1,450 | $1,450 | same |
| Take-Home Pay | $79,180 | $74,230 | +$4,950 |
$100,000 — Rent affordability: Florida vs Illinois
| Metric | Florida | Illinois |
|---|---|---|
| Net take-home / year | $79,180 | $74,230 |
| Net take-home / month | $6,598 | $6,186 |
| Median 1BR rent (HUD) | $1,150 | $750 |
| Rent as % of take-home | 17.4% ✓ | 12.1% ✓ |
Rent: HUD Fair Market Rents FY2025 · Spending: BLS Consumer Expenditure Survey 2023
$75,000 Salary: Florida vs Illinois
| Tax / Component | Florida | Illinois | Difference |
|---|---|---|---|
| Federal Income Tax | $7,670 | $7,670 | same |
| State Income Tax | $0 | $3,713 | -$3,713 |
| Social Security | $4,650 | $4,650 | same |
| Medicare | $1,088 | $1,088 | same |
| Take-Home Pay | $61,593 | $57,880 | +$3,713 |
Take-Home Pay Comparison: Florida vs Illinois
For a single filer at $100,000, Florida puts $4,950 more per year in your pocket than Illinois — $413 per month.
| Annual Salary | Florida | Illinois | Annual Difference |
|---|---|---|---|
| $50,000 | $42,355 | $39,880 | +$2,475 (Florida) |
| $75,000 | $61,592.5 | $57,880 | +$3,712.5 (Florida) |
| $100,000 | $79,180 | $74,230 | +$4,950 (Florida) |
| $125,000 | $96,703.5 | $90,516 | +$6,187.5 (Florida) |
| $150,000 | $113,791 | $106,366 | +$7,425 (Florida) |
After subtracting median 1-bedroom rent, Florida residents keep $61,180 per year vs $58,630 in Illinois. See full cost-adjusted ranking →
Calculate your exact Florida vs Illinois take-home →Calculation assumptions
- Standard withholding per IRS Publication 15-T (2026)
- Social Security wage base: $184,500 (SSA 2026)
- No pre-tax deductions, no post-tax deductions
- Filing status: Single, one job
- Standard W-4 withholding (no additional withholding elections)
- Actual paycheck may differ based on employer setup, benefits, or W-4 elections
Florida vs Illinois tax questions
Which state has lower taxes, Florida or Illinois?
Florida has no state income tax while Illinois has state income tax. On the default $75,000 single-filer estimate, Florida has $3,713 less state income tax, while federal taxes and FICA apply in both states.
How much more do I take home in Florida vs Illinois on a $75,000 salary?
For the $75,000 engine-backed comparison on this page, Florida leaves $3,713 more annual take-home pay, or about $309 per month.
Does moving from Florida to Illinois save money on taxes?
Moving between states changes state income tax withholding but not federal taxes or FICA. In the default $75,000 comparison, the annual take-home gap is $3,713 ($309 per month), before cost-of-living differences.
Is Florida or Illinois better for take-home pay?
For the default $75,000 single-filer calculation, Florida has the higher take-home pay by $3,713 per year. Cost of living can still change which state is better for your household budget.
Calculate your take-home pay in each state:
Calculate your exact take-home pay
- Use the Florida paycheck calculator →
- Use the Illinois paycheck calculator →
- Compare custom salaries interactively →
- Compare full job offers with cost-of-living adjustment