Salary Guide · 2026
Arizona Salary Guide (2026)
This guide explains how salaries are taxed in Arizona, what take-home pay looks like at different income levels, and how cost of living affects real purchasing power across major cities.
Arizona Income Snapshot
Individual median income
$41,900
-25% vs US median
Household median income
$70,821
US Census ACS 2023
Median take-home (annual)
$34,724
Eff. rate: 17.13%
Median monthly take-home
$2,894
Single filer, 2026
Income Tax Structure in Arizona
Tax system: Flat state income tax (2.5%)
Arizona moved to a flat 2.5% state income tax rate in 2023 — one of the lowest in the country. Phoenix offers lower housing costs than West Coast cities, making it increasingly attractive for workers relocating from California.
Take-Home Pay at Popular Salary Levels
Single filer · Standard deduction · AZ state tax · 2026 IRS brackets
| Gross salary | Federal tax | State tax | FICA | Take-home | Monthly | Eff. rate |
|---|---|---|---|---|---|---|
| $60,000 | $5,094 | $1,500 | $4,590 | $48,816 | $4,068 | 18.64% |
| $85,000 | $10,054 | $2,125 | $6,503 | $66,318 | $5,527 | 21.98% |
| $120,000 | $17,754 | $3,000 | $9,180 | $90,066 | $7,506 | 24.95% |
| $160,000 | $27,314 | $4,000 | $12,240 | $116,446 | $9,704 | 27.22% |
Take-home as % of gross
Housing Affordability in Arizona Cities
Based on $120,000 salary · Rent: HUD FMR 2026 · COL: C2ER/ACCRA
Phoenix
COL: 1.12× · 1BR rent: $1,450/mo
Rent burden: 19.3% of take-home
Is $120,000 enough in Phoenix? →Tucson
COL: 0.94× · 1BR rent: $1,100/mo
Rent burden: 14.7% of take-home
Is $120,000 enough in Tucson? →Chandler
COL: 1.14× · 1BR rent: $1,520/mo
Rent burden: 20.3% of take-home
Is $120,000 enough in Chandler? →Scottsdale
COL: 1.31× · 1BR rent: $1,850/mo
Rent burden: 24.6% of take-home
Is $120,000 enough in Scottsdale? →Popular Salary Guides for Arizona
Is This Salary Enough in Arizona?
Frequently Asked Questions
Is $100,000 a good salary in Arizona?
A $100,000 salary in Arizona yields approximately $76,496 per year ($6,375/month) after federal and state taxes. In most Arizona cities, this is above the state individual median of $41,900 — generally a comfortable income.
How much state income tax do you pay in Arizona?
Arizona has Flat state income tax (2.5%). For a $85,000 salary, the estimated state income tax is $2,125. Your effective rate depends on your income level, filing status, and deductions.
What salary is considered middle class in Arizona?
The individual median income in Arizona is $41,900 and the household median is $70,821 (Census ACS 2023). Middle-class income typically ranges from 67%–200% of the household median, roughly $47,450–$141,642 for a family.
Data Sources
- •Tax calculations: IRS federal tax tables
- •Payroll taxes: Social Security Administration
- •Salary data: Bureau of Labor Statistics
- •Rent data: HUD Fair Market Rents
Data updated monthly using government datasets.