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Mississippi
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2026 · Mississippi · Nothing until $18,300, then 4%

Mississippi Paycheck Calculator

Mississippi stacks three allowances on top of each other: a $2,300 standard deduction, a $6,000 personal exemption and a $10,000 band taxed at nothing. A single filer therefore pays no Mississippi income tax at all below $18,300 of salary, and 4% on every dollar above it — with no phase-in, because the zero band is a bracket rather than a credit. This calculator applies that structure and the 2026 federal brackets to whatever you enter.

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Your Mississippi paycheck, period by period

A Mississippi salary is quoted per year and paid in slices: $52,000 is $1,000 a week, $2,000 every two weeks, $2,166.67 twice a month or $4,333.33 once a month. The annual total does not move; the deposit and the withholding taken from it do.

Mississippi contributes one line to the stub, and on $52,000 paid every two weeks it is $51.85 per check — against $156.15 of federal income tax, $124.00 of Social Security and $29.00 of Medicare. That state line is 4% of $33,700, which is salary less $18,300 of stacked allowances. Paid weekly the state line is $25.92 and paid monthly it is $112.33; the annual figure, $1,348.00, is the same in all three cases.

Same salary, four pay schedules. The annual figure does not change; only the size of each check does.
Pay frequencyGross per checkNet per checkNet per year
Weekly$1,000.00$819.50$42,614
Bi-weekly$2,000.00$1,639.00$42,614
Semi-monthly$2,166.67$1,775.58$42,614
Monthly$4,333.33$3,551.17$42,614

What comes out of a Mississippi paycheck in 2026

Four deductions come out of a Mississippi paycheck: federal income tax, Social Security, Medicare and Mississippi income tax. Mississippi has no state disability insurance, no paid family leave premium and no county or city wage tax, so the state contributes one line.

Federal income tax

Federal tax is progressive: each slice of taxable income carries its own rate, so a raise never re-prices the dollars already earned. For a single filer in 2026 the bands are 10% to $12,400 of taxable income, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600 and 37% above that. A married couple filing jointly gets bands twice as wide up to the top bracket.

Federal taxable income is salary minus pre-tax deductions minus the standard deduction: $16,100 single, $32,200 joint, $16,100 married filing separately, $24,150 head of household. A single filer on $52,000 has $35,900 of federal taxable income and pays $4,060 across the year, about 7.8% of salary, even though the last dollar sits in the 12% band.

Social Security and Medicare

Social Security takes 6.2% of gross wages up to an annual wage base of $184,500 in 2026, so the largest employee contribution is $11,439; the employer matches it. Medicare takes 1.45% of every dollar with no ceiling, plus 0.9% on wages above $200,000 single or $250,000 joint that the employer does not match. On $52,000 the two lines come to $3,224 and $754.

Mississippi income tax

Mississippi's calculation runs through three subtractions before any rate is applied. First the standard deduction, $2,300 single, $4,600 joint, $3,400 head of household. Then the personal exemption, $6,000 for the filer and another $6,000 for a spouse on a joint return, plus $1,500 for each dependent. Then the first $10,000 of what remains is taxed at 0%, and everything above that at 4%.

On $52,000 a single filer gets $2,300 plus $6,000, leaving $43,700, and then the first $10,000 of that is free, leaving $33,700 taxed at 4%, or $1,348.00 for the year and $51.85 per bi-weekly check. Because Mississippi starts from federal adjusted gross income, a traditional 401(k) contribution, an HSA contribution and a Section 125 health premium all reduce the base before the allowances are applied: a 6% deferral on $52,000 cuts the state line to $1,223.20 and the federal line by $374.40.

The three allowances add up to $18,300, which is the number to remember. Below that salary a single Mississippian pays nothing to the state; at $25,000 the tax is $268.00 for the year, and at $40,000 it is $868.00. There is no gradual introduction of the tax, because the $10,000 band is a bracket rather than a credit — the marginal rate steps from zero to 4% at $18,300 and stays there.

Three allowances, one cliff, and a rate on its way down

Most states give either a standard deduction or a personal exemption. Mississippi gives both, and then adds a zero-rate band on top, which is why its effective rate at the bottom of the income scale is the lowest of any state on this site that taxes wages. At $25,000 the state takes 1.07% of salary; at $40,000, 2.17%. Nothing else in the country stacks allowances quite this way.

The stacking has a consequence that a single number cannot show: the tax starts abruptly. Between $18,300 and $18,400 of salary the Mississippi line goes from zero to $4, and the marginal rate on that extra $100 is 100%. From there it settles at exactly 4% on every additional dollar until the salary reaches the top of the scale, because Mississippi has one rate above the zero band and no brackets above it. A raise in Mississippi is therefore taxed at a flat 4% from the first dollar of the raise, with no phase-in and no bracket to cross.

The rate itself is in the middle of a staged reduction. Mississippi taxed its top band at 5% until 2022, when the Legislature set a path down to 4% over several years; 2026 is the year that path arrives at 4.0%. Further reductions have been debated but the 2026 rate is 4%, and that is what this page uses.

The personal exemption is where families gain. A married couple gets $12,000 rather than $6,000, and each dependent adds $1,500 — worth $60 a year at 4%. That is a smaller dependent allowance than Georgia's $4,000 or Kansas's $2,320, but it applies on top of a zero band that already removes the first $10,000 of taxable income, so a low-income family with children can reach a Mississippi tax of zero at a salary well above $18,300.

What Mississippi does not have is a second payroll line or a local wage tax. The ten states that let counties or cities tax wages do not include Mississippi, and there is no state disability or paid leave program, so a Mississippi stub carries one state line and nothing else.

In hourly terms the threshold is $8.80. A full-time employee working 2,080 hours a year reaches $18,300 at that rate, so anyone above it pays Mississippi tax on part of their wages and anyone below it pays none. The federal minimum wage of $7.25 is $15,080 a year — below the threshold, which is why a minimum-wage Mississippian has no state income tax withheld at all. Above $8.80 an hour the 4% starts, and it applies to the whole excess rather than tapering in, so the first dollar of state tax arrives all at once rather than a cent at a time.

Mississippi, Louisiana and Texas on the same salary

Mississippi and Louisiana are two of the lowest-rate states on this site, and the comparison is a good reminder that the headline rate is not the answer: Louisiana's rate is a full point lower, and Louisiana is still the more expensive of the two at most salaries, because Mississippi's allowances are larger. The assumptions are a single filer, bi-weekly pay, no dependents and no pre-tax deductions.

State income tax on the same salary, single filer, 2026
SalaryMississippiLouisianaTexas
$25,000$268$364$0
$52,000$1,348$1,174$0
$100,000$3,268$2,614$0
$150,000$5,268$4,114$0

At $25,000 Mississippi takes $268.00 and Louisiana $363.75, so Mississippi is cheaper by $95.75. At $52,000 the order reverses: Mississippi takes $1,348.00 and Louisiana $1,173.75, so Louisiana is cheaper by $174.25. The crossover is at $34,575 of salary, and it is worth understanding rather than memorising — it is the point where Mississippi's extra $5,425 of allowances stops compensating for its extra point of rate.

Below the crossover the zero band dominates, because $10,000 taxed at nothing is worth more than a point of rate on a small base. Above it the rate dominates, and the gap widens in a straight line: $654.25 at $100,000 and $1,154.25 at $150,000. A Mississippi household earning $150,000 pays 3.51% of salary to the state; the same household in Louisiana pays 2.74%.

Against Texas there is no crossover at any salary, since Texas takes nothing. The difference is the whole Mississippi line: $1,348 at $52,000 and $5,268 at $150,000. What offsets part of it is the local tax picture, which runs the other way — neither state lets a city tax wages, so this is one comparison where the paycheck difference is the whole difference.

Mississippi take-home pay by salary

The table below fixes one set of assumptions — single filer, bi-weekly pay, no dependents, no pre-tax deductions — so the rows are comparable down the column. The last four rows convert an hourly rate at 40 hours a week into the annual salary it represents.

The state tax column is zero on the lowest rows and then jumps rather than climbs, because the $10,000 zero band ends at a fixed point. Measured against salary, Mississippi takes 1.07% at $25,000, 2.17% at $40,000 and 2.59% at $52,000, then approaches 3.76% at $300,000 without ever reaching the 4% headline rate — the allowances are fixed, so the rate converges upward for as long as the salary rises.

Read the net per year column as the amount that reaches a bank account across twelve months. If you are paid hourly, the calculator multiplies the rate you enter by the hours and by 52; overtime and unpaid weeks move the annual figure, and the annual figure is what both the federal brackets and the 4% are applied to.

Single filer, bi-weekly pay, no dependents, no pre-tax deductions
Annual payGross per checkState tax per yearNet per checkNet per yearTotal effective rate
$40,000$1,538.46$868$1,286.62$33,45216.4%
$50,000$1,923.08$1,268$1,580.27$41,08717.8%
$60,000$2,307.69$1,668$1,873.92$48,72218.8%
$75,000$2,884.62$2,268$2,281.71$59,32520.9%
$100,000$3,846.15$3,268$2,919.69$75,91224.1%
$125,000$4,807.69$4,268$3,555.21$92,43626.1%
$150,000$5,769.23$5,268$4,173.96$108,52327.7%
$200,000$7,692.31$7,268$5,448.42$141,65929.2%
$250,000$9,615.38$9,268$6,689.00$173,91430.4%
$300,000$11,538.46$11,268$7,842.64$203,90932.0%
$15/hr × 40h ($31,200/yr)$1,200.00$516$1,028.20$26,73314.3%
$20/hr × 40h ($41,600/yr)$1,600.00$932$1,333.60$34,67416.6%
$25/hr × 40h ($52,000/yr)$2,000.00$1,348$1,639.00$42,61418.1%
$30/hr × 40h ($62,400/yr)$2,400.00$1,764$1,944.40$50,55419.0%

Filing status and dependents in Mississippi

Filing status changes three of Mississippi's four numbers at once, which makes it the state on this site where marriage matters most at the bottom of the income scale. A single filer on $52,000 pays $1,348.00. A married couple on the same salary pays $1,016.00, a difference of $332.00 — the joint standard deduction is $2,300 larger, the joint exemption is $6,000 larger, and both changes work on the same base.

Dependents add $1,500 each to the exemption, worth $60 a year at 4%. That looks small next to Georgia's $4,000, but it interacts with the zero band: each child pushes the point where the 4% rate begins $1,500 further up, so a family with four children reaches a Mississippi tax of zero at a salary of $24,300 rather than $18,300. Head of household gets a $3,400 deduction rather than $2,300, worth $44 a year at 4%.

Married filing separately takes the $2,300 single deduction and the $6,000 single exemption, and half the federal bracket width. In Mississippi that combination is usually worse than filing jointly by more than the state difference is worth, so it is only sensible where a federal rule forces it. A married couple with two children on $52,000 pays $896.00, which is 1.72% of salary — a lower share than a single filer on the same wage pays in Louisiana.

Assumptions and sources

Ruleset 2026.1, verified 2026-10-31. Federal brackets and the standard deduction come from IRS Rev. Proc. 2025-32 (§4.01 and §4.14). Social Security and Medicare rates, the $184,500 wage base and the 0.9% additional Medicare threshold come from IRS Publication 15 (2026), Circular E. The Child Tax Credit amounts are the 2026 figures published by the IRS.

Mississippi's rate is 4% for 2026 on taxable income above $10,000; the first $10,000 of taxable income is taxed at 0%. The standard deduction is $2,300 single, $4,600 joint and $3,400 head of household. The personal exemption is $6,000 for the filer, $12,000 on a joint return, and $1,500 for each dependent. None of these amounts is indexed for inflation, so the $18,300 threshold is fixed in nominal dollars.

Not modelled: the Mississippi earned income tax credit, the credit for taxes paid to another state, the deduction for retirement income, wage garnishments, union dues, post-tax deductions, bonuses withheld at supplemental rates and mid-year pay changes. Figures are estimates, not a filing.

Frequently asked questions

Does Mississippi have a state income tax?

Yes, at 4% for 2026, applied only to taxable income above $10,000. The first $10,000 of taxable income is taxed at zero, which combined with the standard deduction and personal exemption means a single filer pays nothing below $18,300 of salary.

At what salary do you start paying Mississippi income tax?

$18,300 for a single filer with no dependents: $2,300 of standard deduction, $6,000 of personal exemption and $10,000 of zero-rate income. Below that the Mississippi line is zero. Each dependent adds $1,500 to the threshold.

How much is taken out of a paycheck in Mississippi?

On $52,000 paid bi-weekly, $361.00 comes out of a $2,000 check: $156.15 of federal income tax, $124.00 of Social Security, $29.00 of Medicare and $51.85 of Mississippi income tax. That leaves $1,639.00, or 82.0 cents of every dollar.

How much is a $100,000 salary in Mississippi after tax?

$2,919.69 per bi-weekly check, or $75,912 across the year, for a single filer with no dependents and no pre-tax deductions. Mississippi takes $3,268.00 of that, which is 4% of $81,700.

Why is Mississippi cheaper than Louisiana at low salaries but not at high ones?

Mississippi's allowances total $18,300 against Louisiana's $12,875, which is worth more than a point of rate on a small salary. The crossover is $34,575: below it Mississippi is cheaper, above it Louisiana's 3% wins.

Does Mississippi have local income taxes?

No. No county or city in Mississippi levies an income tax or a payroll tax on wages, and the state has no disability insurance program and no paid family leave premium. A Mississippi stub carries one state line.

Is the Mississippi personal exemption different from the standard deduction?

Yes, and both apply. The standard deduction is $2,300 single and $4,600 joint; the personal exemption is $6,000 for the filer, another $6,000 for a spouse on a joint return, and $1,500 per dependent. They are subtracted one after the other.

What is Mississippi's marginal tax rate?

Zero up to $18,300 of salary for a single filer, then exactly 4% on every additional dollar. There is no phase-in, because the $10,000 zero band is a bracket rather than a credit, so the rate steps from nothing to 4% at one point.

Do 401(k) and HSA contributions reduce Mississippi tax?

Yes. Mississippi starts from federal adjusted gross income, so a traditional 401(k) contribution, an HSA contribution and a Section 125 health premium all reduce the base before the allowances. A 6% deferral on $52,000 cuts the Mississippi line from $1,348.00 to $1,223.20.

Is the Mississippi rate going down?

Mississippi taxed its top band at 5% until 2022, when the Legislature set a path down to 4% over several years. The 2026 rate is 4.0%, which is what this page uses. Further reductions have been discussed but are not in the 2026 rate.

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