Illinois Paycheck Calculator: Take-Home Pay After Taxes (2026)
Illinois levies a flat 4.95% income tax on all taxable income. Unlike graduated-tax states, every dollar above the personal exemption ($2,925 for 2026) is taxed at the same rate. Illinois also has one of the highest average effective property tax rates in the nation, 1.88% (Tax Foundation, 2024).
Employee Statement
Net Pay Statement
| Description | Annual |
|---|---|
| Gross wages | $75,000 |
| Federal income tax | -$7,670 |
| Illinois state tax | -$3,568 |
| Social Security 6.2% | -$4,650 |
| Medicare 1.45% | -$1,088 |
| NET DEPOSIT | $58,025 |
Illinois Tax Key Facts (2026)
State Income Tax
4.95% flat
Deduction (single)
$2,925
Avg. Property Tax
1.88%
Sales Tax
6.25%
Illinois Take-Home Pay at Every Salary Level
| Gross Salary | Federal Tax | State Tax | Take-Home |
|---|---|---|---|
| $40,000 | -$2,620 | -$1,835 | $32,485 |
| $50,000 | -$3,820 | -$2,330 | $40,025 |
| $60,000 | -$5,020 | -$2,825 | $47,565 |
| $75,000 | -$7,670 | -$3,568 | $58,025 |
| $85,000 | -$9,870 | -$4,063 | $64,565 |
| $100,000 | -$13,170 | -$4,805 | $74,375 |
| $125,000 | -$18,734 | -$6,043 | $90,661 |
| $150,000 | -$24,734 | -$7,280 | $106,511 |
| $200,000 | -$36,734 | -$9,755 | $139,172 |
| $250,000 | -$51,304 | -$12,230 | $170,952 |
How Illinois Income Tax Works
Illinois uses a flat income tax rate of 4.95%. The personal exemption is $2,925 per person for 2026 (not a standard deduction). So on a $100,000 salary, a single filer pays 4.95% on $97,075, which equals $4,805 in state income tax. There are no additional brackets.
Local Taxes
Chicago does not levy a city income tax. However, Cook County and other Illinois localities have various taxes including higher sales taxes that affect overall cost of living.
Compared to Other States
Illinois' 4.95% flat rate is moderate compared to California's 9.3% band or New York's 5.9% band for middle earners, but higher than Pennsylvania (3.07%), Indiana (2.95%), or nearby Iowa (3.8% flat). The real cost of living in Illinois comes from property taxes: at the 1.88% average effective rate, a $300,000 home carries about $5,640 a year in property tax.
Illinois Tax FAQ
Is Illinois income tax really flat?
Yes. Illinois taxes all income above the personal exemption at a flat 4.95%. A 2020 ballot measure to switch to graduated rates was defeated by voters.
What is the Illinois personal exemption?
The personal exemption is $2,925 per person for 2026 (Illinois Department of Revenue). This is subtracted from income before the 4.95% rate applies.
How much is $100K after taxes in Illinois?
A $100,000 salary in Illinois as a single filer yields approximately $74,375 in annual take-home pay.
Does Chicago have a city income tax?
No. Chicago does not levy a city income tax. The only income tax in Illinois is the state flat tax of 4.95%.