Mississippi (MS) Paycheck Calculator 2026
Estimate take-home pay in Mississippi (MS) for salary or hourly work. On a $50,000 salary a single filer keeps about $41,087 a year, or $1,580 every two weeks.
Updated 2026-10-03 · 2026 IRS and Mississippi rates
| Bi-weekly | Annual | |
|---|---|---|
| Gross pay | $2,307.69 | $60,000 |
| Federal income tax | -$193.08 | -$5,020 |
| Social Security (6.2%) | -$143.08 | -$3,720 |
| Medicare | -$33.46 | -$870 |
| Mississippi income tax | -$64.15 | -$1,668 |
| Take-home pay | $1,873.92 | $48,722 |
- Take-home $48,722 81.2%
- Federal income tax $5,020 8.4%
- Social Security $3,720 6.2%
- Medicare $870 1.5%
- State tax $1,668 2.8%
Take-home pay vs. taxes at every income level in Mississippi
- Take-home pay
- Total taxes
Your result is ready
2026 take-home pay in Mississippi at common salaries
Single filer, standard deduction, no pre-tax deductions, paid bi-weekly.
| Salary | Federal | FICA | State + local | Take-home / yr | Per paycheck | Effective |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $468 | $25,817 | $993 | 13.9% |
| $50,000 | $3,820 | $3,825 | $1,268 | $41,087 | $1,580 | 17.8% |
| $75,000 | $7,670 | $5,738 | $2,268 | $59,325 | $2,282 | 20.9% |
| $100,000 | $13,170 | $7,650 | $3,268 | $75,912 | $2,920 | 24.1% |
| $150,000 | $24,734 | $11,475 | $5,268 | $108,523 | $4,174 | 27.7% |
| $250,000 | $51,304 | $15,514 | $9,268 | $173,914 | $6,689 | 30.4% |
- Take-home
- Total tax
Mississippi income tax rates for 2026
Single
| Taxable income over | Rate |
|---|---|
| $0 | 0.00% |
| $10,000 | 4.00% |
Standard deduction $2,300 · exemption $6,000
Married filing jointly
| Taxable income over | Rate |
|---|---|
| $0 | 0.00% |
| $10,000 | 4.00% |
Standard deduction $4,600 · exemption $12,000
Key facts about Mississippi taxes
- For 2026, Mississippi taxes taxable income above $10,000 at 4%, down from 4.4% in 2025; the first $10,000 is taxed at 0%.
- The rate is scheduled to fall again to 3.75% for tax year 2027.
- The standard deduction is $2,300 single, $4,600 married and $3,400 head of family.
- Personal exemptions are $6,000 single, $12,000 married and $8,000 head of family, plus $1,500 per dependent and $1,500 extra for age 65+ or blindness.
- Two-earner couples filing a combined return can each apply the $10,000 zero-rate amount to their own income.
- Mississippi’s 7% state sales tax is tied for the second-highest state rate in the US.
Federal taxes withheld from every Mississippi paycheck
| Federal bracket (2026, single) | Rate |
|---|---|
| Over $0 | 10% |
| Over $12,400 | 12% |
| Over $50,400 | 22% |
| Over $105,700 | 24% |
| Over $201,775 | 32% |
| Over $256,225 | 35% |
| Over $640,600 | 37% |
More Mississippi calculators
- Mississippi (MS) paycheck calculator
- Mississippi income tax calculator
- Mississippi sales tax calculator
- Compare Mississippi with any state
What this calculator simplifies
- Married couples are treated as one filer with a single $10,000 zero bracket; two earners on a combined return can each use $10,000.
- Retirement income exemption, extra exemptions for age 65+/blind, and Mississippi credits are not modeled.
Form 89-350 and Mississippi withholding
Mississippi employees give their employer Form 89-350, the Mississippi Employee’s Withholding Exemption Certificate. It records your filing status and the exemption amounts you claim, which mirror the return: $6,000 for a single filer, $12,000 for a married couple, $8,000 for a head of family, plus $1,500 per dependent and $1,500 for age 65 or blindness.
Withholding then applies the 2026 rate structure: 0% on the first $10,000 of taxable income and 4% above that. Because a large slice of income is untaxed, Mississippi takes a smaller bite from modest paychecks than its 4% headline rate suggests.
Example: $45,000 salary in Jackson
A single worker earning $45,000 and paid bi-weekly takes home about $1,433 per check in 2026. Mississippi income tax is about $41 per check, or $1,068 a year, which is 2.37% of gross pay. Federal income tax is about $124 and FICA $132 per check.
Mississippi cities and counties do not tax wages, and there is no employee-paid state disability or paid-leave deduction.
| Salary (single) | MS tax / year | Share of gross |
|---|---|---|
| $30,000 | $468 | 1.56% |
| $45,000 | $1,068 | 2.37% |
| $75,000 | $2,268 | 3.02% |
| $100,000 | $3,268 | 3.27% |
Your paycheck gets a raise each year through 2030
Mississippi law (House Bill 1, effective July 1, 2025) keeps cutting the rate on income above $10,000: 4% for 2026, 3.75% in 2027, 3.5% in 2028, 3.25% in 2029 and 3% from 2030. Further cuts below 3% can follow from 2031 if revenue targets are met.
For the $45,000 worker above, each quarter-point cut is worth roughly $67 a year. Employers update withholding tables when the rate changes, so the savings show up in each paycheck rather than only at tax time.
Working in a neighboring state
Residents who commute to Memphis pay no Tennessee wage tax, since Tennessee has none, and owe only Mississippi tax. Residents working in Louisiana or Alabama have those states’ tax withheld and can claim a credit against their Mississippi tax for the income tax paid there, attaching a copy of the other state’s return.
Mississippi residents must report all income on the resident return, wherever it was earned. Nonresidents who work partly in Mississippi pay Mississippi tax only on wages for services performed in the state, and file Form 80-205.
Frequently asked questions
Does Mississippi have a state income tax?
Yes. Mississippi has a flat income tax of 4.00% for 2026.
How much is take-home pay on $75,000 in Mississippi (MS)?
A single filer earning $75,000 in Mississippi takes home about $59,325 a year ($2,282 per bi-weekly paycheck) in 2026, after $7,670 federal income tax, $5,738 FICA and $2,268 in state and local taxes. That is an effective rate of 20.9%.
What is the sales tax rate in Mississippi?
The Mississippi state sales tax rate is 7.00%. With local taxes the average combined rate is 7.06%, and the highest combined rate is 8.00%.
What is the 2026 federal standard deduction?
$16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
How much Social Security and Medicare is withheld?
Employees pay 6.2% Social Security on wages up to $184,500 in 2026, and 1.45% Medicare on all wages, plus 0.9% Additional Medicare on wages over $200,000 (single).
What form sets Mississippi withholding?
Form 89-350, the Mississippi Employee’s Withholding Exemption Certificate, which you give to your employer.
I live in Southaven and work in Memphis. Do I pay Tennessee tax?
No. Tennessee does not tax wages, so you pay only Mississippi income tax on your pay.
Will my Mississippi withholding drop in 2027?
Yes. The rate on income above $10,000 falls from 4% to 3.75% in 2027 under House Bill 1.
Sources
Figures are taken from official government publications and were last reviewed on 2026-10-03.
- Mississippi Department of Revenue — Individual Income Tax rates, exemptions and deductions
- Tax Foundation — 2026 State Income Tax Rates and Brackets (cross-check)
- Tax Foundation — State and Local Sales Tax Rates, Midyear 2026
- Rev. Proc. 2025-32 (2026 inflation adjustments incl. OBBBA)
- IRS: Tax inflation adjustments for tax year 2026, including OBBBA amendments
- IRS: 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500
- Rev. Proc. 2025-19 (2026 HSA limits)
- IRS: Correction to SALT deduction amount in the 2026 Form 1040-ES
- IRS Topic No. 560, Additional Medicare Tax
- IRS Topic No. 559, Net Investment Income Tax
- IRS: Working Families Tax Cuts (OBBBA) deductions for working Americans and seniors
- IRS: Child Tax Credit
- IRS Publication 15 (2026), Employer’s Tax Guide (supplemental wage withholding)
- IRS Instructions for Forms W-2G and 5754 (gambling withholding)
- SSA 2026 Cost-of-Living Adjustment Fact Sheet
- Mississippi DOR — 2025 Resident, Non-Resident and Part-Year Resident Income Tax Instructions
- Mississippi DOR — Individual Income Tax FAQs
- Mississippi DOR — Form 89-350 Withholding Exemption Certificate