Take Home Pay for Illinois (2026)
Last updated: January 15, 2026
Illinois (IL) Key Facts
State Income Tax
4.95%
Sales Tax Rate
6.25%
Property Tax Rate
2.27%
Overall State Tax Burden
13.5% combined rates
How This Calculator Works in Illinois
This calculator estimates your take-home pay in Illinois, factoring in federal income tax, FICA, and Illinois's state income tax.
Illinois Overview
Take-home pay in Illinois is affected by federal income tax, FICA, and state income tax at flat 4.95%. Illinois flat 4.95% rate makes paycheck withholding predictable. There is no city income tax in Illinois, unlike neighboring states.
How Illinois Compares
Illinois's combined rates (income: 4.95%, sales: 6.25%, property: 2.27%) compare to Indiana (3.05%, 7%, 0.85%) and Wisconsin (7.65%, 5%, 1.85%).
| State | Top Rate | Notes |
|---|---|---|
| Indiana | 3.05% | Indiana has an income tax rate of 3.05%. |
| Wisconsin | 7.65% | Wisconsin has an income tax rate of 7.65%. |
| Missouri | 4.8% | Missouri has an income tax rate of 4.8%. |
Illinois's income tax rate of 4.95% compares to a national average of approximately 5.04%. This is below the national average.
Tips for Illinois Residents
- 1Illinois state income tax at flat 4.95% reduces your take-home pay on every paycheck.
- 2Illinois flat 4.95% rate makes paycheck withholding predictable. There is no city income tax in Illinois, unlike neighboring states.
- 3Pre-tax 401(k), HSA, and FSA contributions reduce both federal and state taxable income, increasing your net pay.
- 4Your effective tax rate is typically lower than your marginal rate, especially in flat tax states.
- 5After major life changes (marriage, new child, job change), review both federal W-4 and state withholding forms to optimize take-home pay.