Mississippi paycheck calculator
Mississippi exempts the first $10,000 of taxable income and taxes the rest at one flat rate, which is 4.0% for 2026 and is scheduled to keep falling each year through 2030. Withholding uses a dollar-amount exemption you claim on Form 89-350 plus a standard deduction, so the state's paycheck formula looks a lot like its tax return.
Take-home per paycheck
$2,282
- Take-home per year
- $59,331
- Total taxes per year
- $15,670
- Effective tax rate
- 20.9%
- Marginal tax rate
- 33.6%
- Assumes Form 89-350 status single with a $6,000 exemption (0 dependents).
Take-home per paycheck: $2,282 every 2 weeks
| Line | Every 2 weeks | Per year |
|---|---|---|
| Gross pay | $2,885 | $75,000 |
| Federal income tax | −$295 | −$7,670 |
| Social Security | −$179 | −$4,650 |
| Medicare | −$42 | −$1,088 |
| State income tax | −$87 | −$2,262 |
| Take-home pay | $2,282 | $59,331 |
- Take-home pay$59,33179%
- Federal income tax$7,67010%
- Social Security & Medicare$5,7388%
- State & local taxes$2,2623%
How Mississippi taxes your paycheck
- 4% flat
- The first $10,000 of taxable income is tax-free and the rest is taxed at a flat 4.0% for 2026.
- None
- Mississippi has no state payroll tax withheld from employees.
- None
- Mississippi cities and counties do not levy income taxes on wages, so only state income tax is withheld. There is no employee-paid state disability or paid family leave tax.
- Aggregate
- Mississippi has no flat bonus rate: bonuses are added to regular pay for the period and withheld as one payment, which for most workers means 4.0% of the bonus.
Mississippi income tax rates for 2026
These are the return rates. Your employer withholds using Mississippi's withholding method (Computer payroll accounting formula (Mississippi DOR, 2026)), which the calculator above follows.
| Taxable income | Rate |
|---|---|
| $0 – $10,000 | 0% |
| Over $10,000 | 4% |
| Item | Amount |
|---|---|
| Standard deduction — Single | $2,300 |
| Standard deduction — Married filing jointly | $4,600 |
| Standard deduction — Married filing separately | $2,300 |
| Standard deduction — Head of household | $3,400 |
| Personal exemption — single | $6,000 |
| Personal exemption — married | $12,000 |
| Personal exemption — head of family (includes first dependent) | $9,500 |
| Each additional dependent; age 65+ or blind | $1,500 |
$40,120 in Mississippi
$40,120 is the median annual wage in Mississippi (May 2025, BLS OEWS). A single filer paid every two weeks with no other income or deductions takes home $33,533 a year, or $1,290 per paycheck.
| Line | Every 2 weeks | Per year |
|---|---|---|
| Gross pay | $1,543 | $40,120 |
| Federal income tax | -$101 | -$2,634 |
| Social Security | -$96 | -$2,487 |
| Medicare | -$22 | -$582 |
| State income tax | -$34 | -$884 |
| Take-home pay | $1,290 | $33,533 |
How Mississippi withholding is calculated
The Department of Revenue's computer payroll formula annualizes your pay and subtracts two amounts: the exemption you claim on Form 89-350 and a standard deduction that depends on your marital status. Anything above the zero-tax band is taxed at the flat rate, and the annual tax is divided by your paydays and rounded to the whole dollar.
Form 89-350 asks for a dollar exemption, not a count of allowances: one amount for single filers, a larger one for married filers whose spouse does not work, and one for heads of family that already includes the dependent who qualifies them. You add a fixed amount for each other dependent and for age 65 or blindness.
If both spouses work, they split the married exemption between their two certificates, and each employer uses the smaller standard deduction. If you do not give your employer a Form 89-350, tax is withheld on your full wages with no exemption.
Bonuses and other supplemental pay
Mississippi has no flat bonus rate. A bonus paid with regular wages is withheld as one combined payment. A bonus paid separately is added to your latest regular pay, and the employer withholds the tax on the total minus what was already withheld. Because of the flat rate, that usually works out to the flat rate on the whole bonus.
Rate cuts ahead
House Bill 1, passed in 2025, keeps cutting the rate on income above the zero-tax band each year from 2027 until it reaches 3% in 2030, and allows further cuts after that if state revenue targets are met.
No local income tax
Jackson, Gulfport, Hattiesburg and other Mississippi cities and counties do not tax wages. There is also no employee-paid disability or paid family leave tax, so state income tax is the only Mississippi tax on your pay stub.
What changed recently
- 2025: House Bill 1 (effective July 1, 2025) scheduled further cuts to the rate on taxable income above $10,000: 3.75% for 2027, 3.5% for 2028, 3.25% for 2029 and 3% for 2030. Source
- 2026: The rate on taxable income above $10,000 is 4.0% for tax year 2026, and DOR's 2026 withholding tables and computer formula use that rate. Source
Questions people ask
What is Mississippi's income tax rate in 2026?
0% on the first $10,000 of taxable income and 4.0% on the rest for 2026. For married couples filing jointly, each spouse's first $10,000 is exempt.
What exemption should I claim on Mississippi Form 89-350?
Single filers claim $6,000. Married filers whose spouse does not work claim $12,000; if both work, the $12,000 is split between you. Heads of family claim $9,500. Add $1,500 for each other dependent and $1,500 for being 65 or older or blind.
Does Mississippi have a standard deduction?
Yes: $2,300 for single filers, $3,400 for heads of family and $4,600 for married couples. The withholding formula subtracts it along with your exemption.
Do Mississippi cities have a local income tax?
No. No Mississippi city or county taxes wages.
How are bonuses taxed in Mississippi?
There is no flat bonus rate. The bonus is combined with regular wages for the period and withheld as one payment, which usually means 4.0% of the bonus.
Is Mississippi phasing out its income tax?
It is cutting the rate. Under House Bill 1 (2025), the rate on income over $10,000 falls to 3.75% in 2027, 3.5% in 2028, 3.25% in 2029 and 3% in 2030, with further reductions possible later if revenue targets are met.
Sources
- Pub 89-700-25-1 Withholding Income Tax Tables and Employer Instructions (Tax Year 2026 rates; file revised Jan. 13, 2026) · retrieved 2026-10-16
- Computer Payroll Accounting – For Periods In 2026 · retrieved 2026-10-16
- 2025 Form 80-100 Resident, Non-Resident and Part-Year Resident Income Tax Instructions · retrieved 2026-10-16
- Individual Income Tax Frequently Asked Questions · retrieved 2026-10-16
- Publication 15-T (2026), Federal Income Tax Withholding Methods · retrieved 2026-10-16
- Publication 15 (2026), (Circular E), Employer's Tax Guide · retrieved 2026-10-16
- Rev. Proc. 2025-32: 2026 inflation-adjusted tax items · retrieved 2026-10-16
- Form W-4 (2026), Employee's Withholding Certificate · retrieved 2026-10-16
- Publication 505 (2026), Tax Withholding and Estimated Tax · retrieved 2026-10-16
- Form 1040-ES (2026), Estimated Tax for Individuals · retrieved 2026-10-16
- Schedule 1-A (Form 1040) 2026, Additional Deductions (early-release draft) · retrieved 2026-10-16
- Schedule 8812 (Form 1040) 2026, Credits for Qualifying Children and Other Dependents (early-release draft) · retrieved 2026-10-16
- Working Families Tax Cuts: Individuals and workers (tips, overtime, seniors, car loan interest) · retrieved 2026-10-16
- Working Families Tax Cuts provisions (charitable deduction for non-itemizers, Section 70424) · retrieved 2026-10-16
- Child Tax Credit · retrieved 2026-10-16
- IR-2025-111: 401(k) limit increases to $24,500 for 2026 · retrieved 2026-10-16
- Rev. Proc. 2025-19: 2026 HSA limits · retrieved 2026-10-16
- BLS Occupational Employment and Wage Statistics (OEWS), May 2025, median annual wage by state · retrieved 2026-10-16