This Florida paycheck calculator estimates your take-home pay for each paycheck in 2026. Florida has no personal income tax, so your paycheck is reduced only by federal income tax, Social Security, Medicare and any pre-tax benefits you choose.
Taxes on a Florida paycheck
- Federal income tax, based on the 2026 IRS brackets and your filing status.
- Social Security: 6.2% of wages up to $184,500.
- Medicare: 1.45% of all wages, plus 0.9% on wages over $200,000.
- No state income tax on individuals, and no local income tax.
Employers pay Florida reemployment (unemployment) tax; it is not deducted from your pay.
2026 federal income tax brackets
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 | $17,701 – $67,450 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 | $67,451 – $105,700 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 | $105,701 – $201,750 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 | $201,751 – $256,200 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 | $256,201 – $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
Standard deduction for 2026: $16,100 single, $32,200 married filing jointly, $24,150 head of household. Social Security is 6.2% of wages up to $184,500, and Medicare is 1.45% of all wages plus 0.9% on wages over $200,000.
Worked example
A married employee in Florida filing jointly, earning $90,000 and paid twice a month, with 6% going to a 401(k) and $3,000 a year in health premiums, takes home about $2,896.35 per paycheck, or $69,513 a year.
Other Florida taxes to know
Florida’s state sales tax is 6%, and most counties add a discretionary surtax, so combined rates usually fall between 6% and 8%. Homeowners can claim a homestead exemption that lowers the taxable value of their main home, which helps offset property taxes and insurance costs.
Frequently asked questions
Does Florida have a state income tax?
No. Florida does not tax individuals’ wages or other personal income.
What is taken out of my paycheck in Florida?
Federal income tax, Social Security and Medicare, plus any deductions you sign up for, such as a 401(k), health insurance or an FSA.
Is Florida a good state for take-home pay?
For wages, yes: with no state income tax, a Florida paycheck is larger than the same salary in most states. Housing and insurance costs vary widely, so compare overall living costs too.
Do retirees pay state tax in Florida?
No. Florida does not tax Social Security, pensions or retirement account withdrawals, because it has no personal income tax.
How do I change my federal withholding?
Give your employer a new Form W-4. The IRS Tax Withholding Estimator can help you choose the right entries.
Related calculators
Sources
Last reviewed: October 2026 against official government sources. This calculator gives estimates for education only and is not tax advice.