Illinois vs 
Massachusetts
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
Illinois
Extra take-home / year
$930
Per month
$78
Over 10 years
$9,300
Moving from Massachusetts → Illinois 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 | Illinois | Massachusetts |
|---|---|---|
| Income tax | 4.95% · Flat 4.95% | 5% · Flat 5% |
| Combined sales tax | ~8.98% | ~6.25% |
| Effective property tax | ~1.88% | ~1% |
| Cost of living index | 95.1 | 147.8 |
| Median household income | $77,800 | $97,200 |
| Unemployment rate | 4.5% | 3.5% |
Dig into each state's paycheck
Illinois rate structure
Flat 4.95% state income tax on taxable wages (before credits).
Massachusetts rate structure
Flat 5% state income tax on taxable wages (before credits).
Overview
Illinois (Flat 4.95%) vs Massachusetts (Flat 5%). At $100,000 gross (single), Illinois typically leaves you with about $930 more take-home than Massachusetts after federal, state, and FICA. Sales tax ~8.98% vs ~6.25%; property tax ~1.88% vs ~1%. Median household income (ACS 2024): $77,800 vs $97,200.
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 Massachusetts minus Illinois.
| Gross | Illinois take-home | Massachusetts take-home | Advantage |
|---|---|---|---|
| $50,000 | $39,880 | $39,415 | −$465 |
| $75,000 | $57,880 | $57,183 | −$697 |
| $100,000Headline | $74,230 | $73,300 | −$930 |
| $150,000 | $106,366 | $104,971 | −$1,395 |
| $200,000 | $139,027 | $137,167 | −$1,860 |
| $500,000 | $315,727 | $311,077 | −$4,650 |
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 Illinois vs 26.7% in Massachusetts. Local city taxes are not included unless noted.
$100k tax breakdown: Illinois vs Massachusetts
Where a $100,000 paycheck goes after federal income tax, state income tax, and FICA (2026, single filer).
| Line item | Illinois | Massachusetts |
|---|---|---|
| Gross pay | $100,000 | $100,000 |
| Federal income tax (est.) | $13,170 | $13,170 |
| State income tax | $4,950 | $5,000 |
| FICA (SS + Medicare) | $7,650 | $7,650 |
| Take-home pay | $74,230 | $73,300 |
| Effective total tax rate | 25.8% | 26.7% |
| Monthly take-home | $6,186 | $6,108 |
Federal estimates can differ slightly between states when state interactions affect taxable income. Combined sales tax ~8.98% (Illinois) vs ~6.25% (Massachusetts); effective property tax ~1.88% vs ~1%.
Pros & cons: Illinois vs Massachusetts
Tax structure, living costs, and lifestyle trade-offs beyond the paycheck number.
Illinois
Pros
- Lower top/marginal state rate (Flat 4.95%) than Massachusetts (Flat 5%)
- About $930/year more take-home at $100k gross (single) vs Massachusetts
- Lower cost of living index (95.1 vs 147.8; 100 = US average)
Cons
- −Higher combined sales tax (~8.98% vs ~6.25% in Massachusetts)
- −Higher effective property tax (~1.88% vs ~1% in Massachusetts)
- −Lower median household income ($77,800 ACS 2024 vs $97,200)
- −Higher unemployment rate (4.5% vs 3.5%)
Massachusetts
Pros
- Lower combined sales tax (~6.25% vs ~8.98% in Illinois)
- Lower effective property tax (~1% vs ~1.88% in Illinois)
- Higher median household income ($97,200 ACS 2024 vs $77,800)
- Lower unemployment rate (3.5% vs 4.5%)
Cons
- −State income tax (Flat 5%) reduces take-home vs a $0-income-tax peer
- −Roughly $930/year less take-home at $100k vs Illinois
- −Higher cost of living index (147.8 vs 95.1; 100 = US average)
Who wins when
Quick read on when each state is the better fit — beyond the headline tax number.
- Illinois wins on take-home pay at every salary band in our ladder (single filer, standard deduction).
- Illinois: Lower top/marginal state rate (Flat 4.95%) than Massachusetts (Flat 5%)
- Illinois: About $930/year more take-home at $100k gross (single) vs Massachusetts
- Massachusetts: Lower combined sales tax (~6.25% vs ~8.98% in Illinois)
- Massachusetts: Lower effective property tax (~1% vs ~1.88% in Illinois)
How we calculate Illinois vs Massachusetts
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 Illinois's and Massachusetts's rules as modeled in our US calculator (Flat 4.95% vs Flat 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 (~8.98% vs ~6.25%) and property tax (~1.88% vs ~1%) are context metrics, not subtracted from the take-home ladder.
Cost of living. COL indexes (95.1 vs 147.8, 100 = US average) and median household income ($77,800 vs $97,200) help interpret whether a paycheck win buys more in real life. For city-level equivalent salary, use the Illinois → Massachusetts relocation calculator.
Frequently asked questions
Common questions about Illinois vs Massachusetts taxes, take-home pay, and relocation.
Moving Illinois → Massachusetts?
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.