Illinois Salary Calculator 2026: 4.95% Flat Tax Rate & Take Home Pay
Illinois has a flat state income tax rate of 4.95%, meaning every dollar of taxable income is taxed at the same rate regardless of how much you earn. This makes Illinois tax calculations straightforward compared to progressive-rate states like California or New York. On a $75,000 salary, you pay approximately $3,713 in Illinois state tax — a meaningful but moderate deduction that places Illinois in the middle of the pack nationally for state tax burden.
Chicago residents face additional financial considerations beyond state tax. While Chicago does not have a separate city income tax (unlike New York City), the city has some of the highest sales taxes in the country at 10.25% (combining state, county, city, and transit taxes). Cook County property taxes are also notoriously high, averaging 2.0-2.5% of assessed value. These combined costs make Chicago one of the most heavily taxed metros in the Midwest, despite the relatively moderate state income tax rate.
This calculator converts your Illinois salary across all pay frequencies and adjusts for holidays and vacation days. Illinois workers see a consistent and predictable state tax deduction of 4.95% on each paycheck, making it easy to estimate net pay. Enter your gross salary to see how the flat tax rate affects your take-home pay at every pay frequency.
Key Data & Statistics
| Metric | Value |
|---|---|
| Illinois State Income Tax | 4.95% flat rate |
| Federal Tax | 10-37% (7 brackets) |
| FICA | 7.65% (SS + Medicare) |
| Chicago Sales Tax | 10.25% (highest major city) |
| Cook County Property Tax | 2.0-2.5% average |
| IL Standard Exemption | $2,625 per person |
| Illinois Median Income | ~$72,000 |
Pre-Calculated Examples
| Scenario | Gross | Net / Result | Details |
|---|---|---|---|
| $55K in Illinois | $55,000 | $42,200 | Fed ~$5,000 + FICA ~$4,208 + IL ~$2,723 |
| $75K in Illinois | $75,000 | $55,550 | Fed ~$9,000 + FICA ~$5,738 + IL ~$3,713 |
| $100K in Illinois | $100,000 | $72,400 | Fed ~$14,000 + FICA ~$7,650 + IL ~$4,950 |
| $75K IL vs TX | $75,000 | IL: $55,550 vs TX: $59,262 | Texas advantage: ~$3,713/year (the IL tax) |
Calculate Your Salary
Salary Information
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Who Uses This Calculator?
Flat tax simplicity
Calculate your Illinois state tax instantly — multiply taxable income by 4.95%. No brackets to navigate, making paycheck estimates straightforward.
Chicago cost analysis
Evaluate whether a Chicago job offer provides enough salary to cover the combined impact of state income tax, high sales tax, and elevated property taxes.
Illinois vs neighboring states
Compare Illinois take-home pay against Indiana (3.05%), Wisconsin (3.5-7.65%), Iowa (4.4-6%), and Missouri (2-4.95%) to evaluate cross-border opportunities.
Suburban vs city living
Compare the total tax burden of living in Chicago (10.25% sales tax, high property tax) vs Illinois suburbs or collar counties with lower local tax rates.