New Jersey Income Tax Rates (2026)
The quick answer: a graduated tax from 1.4% to 10.75%
New Jersey uses a graduated (bracket-based) income tax, meaning your rate increases as your taxable income crosses each threshold below. Only the income within each bracket is taxed at that bracket’s rate — moving into a higher bracket doesn’t raise the rate on income you already earned in a lower one.
| Taxable income | Rate |
|---|---|
| $0 – $19,999 | 1.4% |
| $20,000 – $34,999 | 1.75% |
| $35,000 – $39,999 | 3.5% |
| $40,000 – $74,999 | 5.53% |
| $75,000 – $499,999 | 6.37% |
| $500,000 – $999,999 | 8.97% |
| $1,000,000+ | 10.75% |
What this means for your paycheck
On a $75,000 single-filer salary, New Jersey’s income tax works out to about $2,653 in state income tax for the year, leaving roughly $58,940 in take-home pay after federal tax, state tax, and FICA — an effective total tax rate of about 21.4%. Enter your own salary and filing status below for your exact numbers.
Does New Jersey have a state income tax?
What is New Jersey's income tax rate?
It ranges from 1.4% at the lowest bracket to 10.75% at the highest — see the bracket table above for the exact income thresholds.
Does New Jersey tax retirement account withdrawals the same as wages?
Generally yes — 401(k), IRA, and pension withdrawals are typically taxed at New Jersey’s regular income tax rate, based on which bracket your total taxable income falls into, the same as wage income. Some states carve out specific exemptions for retirement income; check New Jersey’s Department of Revenue for any such exemption.
How much is state tax on a $75,000 salary in New Jersey?
About $2,653 a year for a single filer with no other adjustments, based on New Jersey’s bracket structure. Use the calculator above for your own salary and filing status.
Where can I verify current New Jersey tax rates?
The Tax Foundation publishes current state-by-state income tax data annually. Rates and brackets change from year to year via state legislation, so confirm the current figures before relying on any specific number, including the ones on this page.
How New Jersey compares
Graduated income tax systems, like New Jersey’s, are the most common structure among states that tax income at all — the idea is that higher earners pay a larger share of their income in tax as they cross each threshold. New Jersey’s top rate of 10.75% only applies to income above the highest bracket threshold, not your entire income.
This article is for educational purposes only and isn't legal, financial, or tax advice. See our Disclaimer for details.
