Take Home Pay for New Jersey (2026)
New Jersey (NJ) Key Facts
State Income Tax
10.75%
Sales Tax Rate
6.625%
Property Tax Rate
2.49%
Overall State Tax Burden
19.9% combined rates
How This Calculator Works in New Jersey
This calculator estimates your take-home pay in New Jersey, factoring in federal income tax, FICA, and New Jersey's state income tax.
New Jersey Overview
Take-home pay in New Jersey is affected by federal income tax, FICA, and state income tax at up to 10.75%. New Jersey deducts State Disability Insurance (SDI) and Family Leave Insurance (FLI) from paychecks. A transit tax also applies. High tax brackets range from 1.4% to 10.75%.
How New Jersey Compares
New Jersey's combined rates (income: 10.75%, sales: 6.625%, property: 2.49%) compare to New York (10.9%, 4%, 1.72%) and Pennsylvania (3.07%, 6%, 1.58%).
| State | Top Rate | Notes |
|---|---|---|
| New York | 10.9% | New York has an income tax rate of 10.9%. |
| Pennsylvania | 3.07% | Pennsylvania has an income tax rate of 3.07%. |
| Delaware | 6.6% | Delaware has an income tax rate of 6.6%. |
New Jersey's income tax rate of 10.75% compares to a national average of approximately 5.04%. This is above the national average.
Tips for New Jersey Residents
- 1New Jersey state income tax at up to 10.75% reduces your take-home pay on every paycheck.
- 2New Jersey deducts State Disability Insurance (SDI) and Family Leave Insurance (FLI) from paychecks. A transit tax also applies. High tax brackets range from 1.4% to 10.75%.
- 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 progressive 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.