Illinois vs 
Mississippi
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
Mississippi
Extra take-home / year
$1,350
Per month
$113
Over 10 years
$13,500
Moving from Illinois → Mississippi 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 | Mississippi |
|---|---|---|
| Income tax | 4.95% · Flat 4.95% | 4% · Flat 4% |
| Combined sales tax | ~8.98% | ~7.06% |
| Effective property tax | ~1.88% | ~0.58% |
| Cost of living index | 95.1 | 86.2 |
| Median household income | $77,800 | $54,200 |
| Unemployment rate | 4.5% | 3.4% |
Dig into each state's paycheck
Illinois rate structure
Flat 4.95% state income tax on taxable wages (before credits).
Mississippi rate structure
Flat 4% state income tax on taxable wages (before credits).
Overview
Illinois (Flat 4.95%) vs Mississippi (Flat 4%). At $100,000 gross (single), Mississippi typically leaves you with about $1,350 more take-home than Illinois after federal, state, and FICA. Sales tax ~8.98% vs ~7.06%; property tax ~1.88% vs ~0.58%. Median household income (ACS 2024): $77,800 vs $54,200.
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 Mississippi minus Illinois.
| Gross | Illinois take-home | Mississippi take-home | Advantage |
|---|---|---|---|
| $50,000 | $39,880 | $40,755 | +$875 |
| $75,000 | $57,880 | $58,993 | +$1,113 |
| $100,000Headline | $74,230 | $75,580 | +$1,350 |
| $150,000 | $106,366 | $108,191 | +$1,825 |
| $200,000 | $139,027 | $141,327 | +$2,300 |
| $500,000 | $315,727 | $320,877 | +$5,150 |
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 24.4% in Mississippi. Local city taxes are not included unless noted.
$100k tax breakdown: Illinois vs Mississippi
Where a $100,000 paycheck goes after federal income tax, state income tax, and FICA (2026, single filer).
| Line item | Illinois | Mississippi |
|---|---|---|
| Gross pay | $100,000 | $100,000 |
| Federal income tax (est.) | $13,170 | $13,170 |
| State income tax | $4,950 | $3,600 |
| FICA (SS + Medicare) | $7,650 | $7,650 |
| Take-home pay | $74,230 | $75,580 |
| Effective total tax rate | 25.8% | 24.4% |
| Monthly take-home | $6,186 | $6,298 |
Federal estimates can differ slightly between states when state interactions affect taxable income. Combined sales tax ~8.98% (Illinois) vs ~7.06% (Mississippi); effective property tax ~1.88% vs ~0.58%.
Pros & cons: Illinois vs Mississippi
Tax structure, living costs, and lifestyle trade-offs beyond the paycheck number.
Illinois
Pros
- Higher median household income ($77,800 ACS 2024 vs $54,200)
- Modeled with our 2026 federal + state + FICA paycheck engine
- Use the Illinois paycheck calculator for your filing status and deductions
Cons
- −State income tax (Flat 4.95%) reduces take-home vs a $0-income-tax peer
- −Roughly $1,350/year less take-home at $100k vs Mississippi
- −Higher combined sales tax (~8.98% vs ~7.06% in Mississippi)
- −Higher effective property tax (~1.88% vs ~0.58% in Mississippi)
- −Higher cost of living index (95.1 vs 86.2; 100 = US average)
Mississippi
Pros
- Lower top/marginal state rate (Flat 4%) than Illinois (Flat 4.95%)
- About $1,350/year more take-home at $100k gross (single) vs Illinois
- Lower combined sales tax (~7.06% vs ~8.98% in Illinois)
- Lower effective property tax (~0.58% vs ~1.88% in Illinois)
- Lower cost of living index (86.2 vs 95.1; 100 = US average)
Cons
- −Lower median household income ($54,200 ACS 2024 vs $77,800)
- −Local city/county taxes and credits are not fully modeled in the headline ladder
- −Housing, insurance, and wages can outweigh pure income-tax differences
Who wins when
Quick read on when each state is the better fit — beyond the headline tax number.
- Mississippi wins on take-home pay at every salary band in our ladder (single filer, standard deduction).
- Illinois: Higher median household income ($77,800 ACS 2024 vs $54,200)
- Illinois: Modeled with our 2026 federal + state + FICA paycheck engine
- Mississippi: Lower top/marginal state rate (Flat 4%) than Illinois (Flat 4.95%)
- Mississippi: About $1,350/year more take-home at $100k gross (single) vs Illinois
How we calculate Illinois vs Mississippi
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 Mississippi's rules as modeled in our US calculator (Flat 4.95% vs Flat 4%).
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 ~7.06%) and property tax (~1.88% vs ~0.58%) are context metrics, not subtracted from the take-home ladder.
Cost of living. COL indexes (95.1 vs 86.2, 100 = US average) and median household income ($77,800 vs $54,200) help interpret whether a paycheck win buys more in real life. For city-level equivalent salary, use the Illinois → Mississippi relocation calculator.
Frequently asked questions
Common questions about Illinois vs Mississippi taxes, take-home pay, and relocation.
Moving Illinois → Mississippi?
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.