Georgia vs 
Alabama
Take-home pay after federal tax, state income tax, and FICA — calculated with the same engine as our paycheck calculator.
By Sammy S. · Founder · AuthorUpdated for 2026
Winner at $100k
Alabama
Extra take-home / year
$255
Per month
$21
Over 10 years
$2,550
Moving from Georgia → Alabama at $100,000
Metric vs metric
Lower tax and cost figures generally favor the highlighted cell. Rate structure notes sit under each state's calculator link.
| Metric | Georgia | Alabama |
|---|---|---|
| Income tax | 5.19% · Flat 5.19% | 5% · Progressive (top 5%) |
| Combined sales tax | ~7.56% | ~9.46% |
| Effective property tax | ~0.79% | ~0.37% |
| Cost of living index | 90.6 | 85 |
| Median household income | $73,800 | $61,200 |
| Unemployment rate | 3.4% | 3.2% |
Dig into each state's paycheck
Georgia rate structure
Flat 5.19% state income tax on taxable wages (before credits).
Alabama rate structure
Progressive brackets with a top marginal rate of about 5%.
Overview
Georgia (Flat 5.19%) vs Alabama (Progressive (top 5%)). At $100,000 gross (single), Alabama typically leaves you with about $255 more take-home than Georgia after federal, state, and FICA. Sales tax ~7.56% vs ~9.46%; property tax ~0.79% vs ~0.37%. Median household income (ACS 2024): $73,800 vs $61,200.
Take-home by income
Net pay after federal income tax, state income tax, and FICA — single filer, standard deduction, no dependents (2026). Advantage is take-home in Alabama minus Georgia.
| Gross | Georgia take-home | Alabama take-home | Advantage |
|---|---|---|---|
| $50,000 | $39,860 | $40,120 | +$260 |
| $75,000 | $57,850 | $58,108 | +$258 |
| $100,000Headline | $74,190 | $74,445 | +$255 |
| $150,000 | $106,306 | $106,556 | +$250 |
| $200,000 | $138,947 | $139,192 | +$245 |
| $500,000 | $315,527 | $315,742 | +$215 |
Assumptions: single filer, standard deduction, no dependents, tax year 2026. At $100k: FICA ≈ $7,650 in both states; effective total tax rate ≈ 25.8% in Georgia vs 25.6% in Alabama. Local city taxes are not included unless noted.
$100k tax breakdown: Georgia vs Alabama
Where a $100,000 paycheck goes after federal income tax, state income tax, and FICA (2026, single filer).
| Line item | Georgia | Alabama |
|---|---|---|
| Gross pay | $100,000 | $100,000 |
| Federal income tax (est.) | $13,170 | $13,170 |
| State income tax | $4,990 | $4,735 |
| FICA (SS + Medicare) | $7,650 | $7,650 |
| Take-home pay | $74,190 | $74,445 |
| Effective total tax rate | 25.8% | 25.6% |
| Monthly take-home | $6,183 | $6,204 |
Federal estimates can differ slightly between states when state interactions affect taxable income. Combined sales tax ~7.56% (Georgia) vs ~9.46% (Alabama); effective property tax ~0.79% vs ~0.37%.
Pros & cons: Georgia vs Alabama
Tax structure, living costs, and lifestyle trade-offs beyond the paycheck number.
Georgia
Pros
- Lower combined sales tax (~7.56% vs ~9.46% in Alabama)
- Higher median household income ($73,800 ACS 2024 vs $61,200)
- Modeled with our 2026 federal + state + FICA paycheck engine
Cons
- −State income tax (Flat 5.19%) reduces take-home vs a $0-income-tax peer
- −Roughly $255/year less take-home at $100k vs Alabama
- −Higher effective property tax (~0.79% vs ~0.37% in Alabama)
- −Higher cost of living index (90.6 vs 85; 100 = US average)
Alabama
Pros
- Lower top/marginal state rate (Progressive (top 5%)) than Georgia (Flat 5.19%)
- About $255/year more take-home at $100k gross (single) vs Georgia
- Lower effective property tax (~0.37% vs ~0.79% in Georgia)
- Lower cost of living index (85 vs 90.6; 100 = US average)
Cons
- −Higher combined sales tax (~9.46% vs ~7.56% in Georgia)
- −Lower median household income ($61,200 ACS 2024 vs $73,800)
- −Local city/county taxes and credits are not fully modeled in the headline ladder
Who wins when
Quick read on when each state is the better fit — beyond the headline tax number.
- Alabama wins on take-home pay at every salary band in our ladder (single filer, standard deduction).
- Georgia: Lower combined sales tax (~7.56% vs ~9.46% in Alabama)
- Georgia: Higher median household income ($73,800 ACS 2024 vs $61,200)
- Alabama: Lower top/marginal state rate (Progressive (top 5%)) than Georgia (Flat 5.19%)
- Alabama: About $255/year more take-home at $100k gross (single) vs Georgia
How we calculate Georgia vs Alabama
Tax engine. Federal income tax uses 2026 IRS brackets and the standard deduction for a single filer. FICA includes Social Security and Medicare employee shares. State income tax applies Georgia's and Alabama's rules as modeled in our US calculator (Flat 5.19% vs Progressive (top 5%)).
What's included. Wage income only — no capital gains, self-employment tax, itemized deductions, credits, or local city wage taxes (e.g. NYC) unless noted. Sales tax (~7.56% vs ~9.46%) and property tax (~0.79% vs ~0.37%) are context metrics, not subtracted from the take-home ladder.
Cost of living. COL indexes (90.6 vs 85, 100 = US average) and median household income ($73,800 vs $61,200) help interpret whether a paycheck win buys more in real life. For city-level equivalent salary, use the Georgia → Alabama relocation calculator.
Frequently asked questions
Common questions about Georgia vs Alabama taxes, take-home pay, and relocation.
Moving Georgia → Alabama?
Model cost-of-living equivalent salary, or open each state's paycheck calculator with your filing status and deductions.
Related tools
Estimates only for tax year 2026. Not tax advice — verify with your state tax agency or a CPA before relocating. Figures assume a single filer with the standard deduction and no dependents.