Physician Take-Home Pay by State
See how much of your salary you actually keep in each state after federal and state taxes. The difference between the best and worst states can exceed $40,000/year.
| # | State | State Tax | Effective Rate | Annual Take-Home | Monthly Take-Home |
|---|---|---|---|---|---|
| 1 | North Dakota | 2.9% | 34.3% | $230,098 | $19,175 |
| 2 | Pennsylvania | 3.1% | 34.4% | $229,503 | $19,125 |
| 3 | Indiana | 3.2% | 34.6% | $228,943 | $19,079 |
| 4 | Ohio | 4.0% | 35.3% | $226,283 | $18,857 |
| 5 | Louisiana | 4.3% | 35.6% | $225,373 | $18,781 |
| 6 | Michigan | 4.3% | 35.6% | $225,373 | $18,781 |
| 7 | Arizona | 4.5% | 35.9% | $224,498 | $18,708 |
| 8 | Colorado | 4.6% | 36% | $224,043 | $18,670 |
| 9 | Oklahoma | 4.8% | 36.1% | $223,623 | $18,635 |
| 10 | Illinois | 5.0% | 36.3% | $222,923 | $18,577 |
| 11 | Utah | 5.0% | 36.3% | $222,923 | $18,577 |
| 12 | Alabama | 5.0% | 36.4% | $222,748 | $18,562 |
| 13 | Alaska | No state tax | 36.4% | $222,748 | $18,562 |
| 14 | Florida | No state tax | 36.4% | $222,748 | $18,562 |
| 15 | Kentucky | 5.0% | 36.4% | $222,748 | $18,562 |
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Why State Taxes Matter for Physicians
With physician salaries ranging from $200,000 to $600,000+, state income tax differences have an outsized impact. Moving from California (13.3% top rate) to Texas (0%) on a $400K salary saves over $53,000/year — equivalent to a significant raise.
States With No Income Tax
Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, and Wyoming have no state income tax. New Hampshire taxes only dividend and interest income, not wages.
Important Considerations
State tax is only one factor. States without income tax often have higher property taxes or sales taxes. Cost of living, malpractice insurance rates, physician demand, and quality of life all matter when choosing where to practice.
Tax rates are approximate 2024 figures using flat state rates. Actual liability depends on deductions, credits, and progressive bracket structures. This calculator is for informational purposes only and does not constitute tax advice.