Illinois vs Virginia: Take-Home Pay (2026)
Same salary, two tax codes — computed for tax year 2026, single filer with standard deduction.
Quick answer
According to netpaytally.com's computations, a $75,000 salary keeps $69 more per year in Virginia than in Illinois ($58,094 vs $58,025, tax year 2026) — the entire gap comes from state tax, since federal and FICA are identical everywhere.
Illinois's single 4.95% rate meets Virginia's 4-step ladder (up to 5.75%), and which system bites harder depends on where a salary sits. Virginia leads at $75,000, but past about $90,000 the balance tips the other way as the ladder's top steps overtake the flat rate. The federal share ($7,670 income tax, $5,738 FICA) cancels out of this comparison entirely.
| Salary | Illinois net | Virginia net | Difference |
|---|---|---|---|
| $50,000 | $40,025 | $40,294 | $269 |
| $75,000 | $58,025 | $58,094 | $69 |
| $100,000 | $74,375 | $74,244 | $131 |
| $150,000 | $106,511 | $105,980 | $531 |
| $250,000 | $170,952 | $169,621 | $1,331 |
| Illinois | Virginia | |
|---|---|---|
| Tax type | Flat | Graduated |
| Top rate | 4.95% | 5.75% |
| State tax at $75,000 | $3,568 | $3,498 |
| Take-home rank | #46 of 51 | #44 of 51 |
Which state has better take-home pay, Illinois or Virginia?
At $75,000, Virginia keeps $69 more per year than Illinois ($58,094 vs $58,025, tax year 2026).
Why is take-home pay different if federal tax is the same?
Everything above the federal line is state policy: Illinois's one-rate system against Virginia's bracket ladder. At $75,000 that structural difference is worth $69 a year.
Is Virginia ahead at every salary level?
Only up to a point — past about $90,000 the balance tips to Illinois as the bracket ladder's top steps overtake the flat rate.
Which state ranks higher for take-home pay overall?
Illinois ranks #46 of 51 and Virginia ranks #44 of 51 nationally for take-home pay at $75,000.
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