State Tax vs Federal Tax Bracket Comparison 2027

Compare your effective state + federal combined tax bracket for 2027 across all 50 states + DC — find total tax burden, marginal rate, and tax-free state savings.

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Federal 2027 Brackets (OBBB-extended)

Single: 10% to $11.6k, 12% to $47k, 22% to $100k, 24% to $192k, 32% to $244k, 35% to $609k, 37% above. Joint brackets double. OBBB (P.L. 119-21) extended TCJA bracket structure permanently.

State Income Tax Rates 2027

9 no-income-tax states: AK, FL, NV, SD, TX, WA, WY, TN, NH (NH taxes only investment income, sunset 2027). Highest: CA 13.3% top, NY/NJ ~10.9%, OR 9.9%.

State Reciprocity Tricks

Live PA, work NJ: PA-NJ reciprocity = no NJ tax. Live KY, work IN: KY only. Live OH, work MI: OH only. 14 state pairs with reciprocity. Saves 4-6% per year.

Marginal vs Effective Tax Rate

Marginal = rate on NEXT dollar earned. Effective = total tax / total income. Always lower than marginal because of progressive brackets. Use marginal for decisions (overtime, bonus, Roth conversion).

Source: irs.gov 2027 inflation adjustments, taxfoundation.org state tables. Last updated: May 2026.