What is the average salary in Phoenix?

The median annual wage across all occupations in the Phoenix-Mesa-Chandler, AZ area is $49,840, according to Bureau of Labor Statistics OEWS data for May 2024. That covers roughly 2.3 million workers.

How much do you take home after taxes in Phoenix?

On the $49,840 median wage, a single filer in Phoenix takes home about $41,383 per year ($3,449 per month) after federal, state taxes — an effective rate of 17.0%.

Does Phoenix have a city income tax?

No. Phoenix does not levy a local income tax, so residents pay federal, FICA, and Arizona state income tax.

Phoenix Salary Calculator — Take-Home Pay After Tax (2026)

The median wage across all occupations in Phoenix is $49,840, which leaves about $41,383 after federal, Arizona state taxes.

Median Wage

$49,840

all occupations

Take-Home

$41,383

$3,449/mo

Effective Tax Rate

17.0%

fed + state + FICA

Workers

2.3M

rank #13 of 20 by pay

Full Tax Breakdown — $49,840 in Phoenix

Single filer, standard deduction, 2026 rates.

Annual Take-Home$41,383After all taxes

Monthly$3,449Net per month

Bi-Weekly$1,592Every 2 weeks

Effective Tax Rate17.0%Fed + state + FICA

Where Your Money Goes

17.0%effective rate

Take-Home$41,38383.0%

Federal Tax$3,8017.6%

State & Local Tax$8441.7%

FICA$3,8137.6%

Federal Tax Brackets

10%

$1,240

12%

$2,561

Affordability Snapshot

Based on your $3,449/mo take-home — 50/30/20 rule

Needs (50%)$1,724/mo

Rent, groceries, utilities, transport

Wants (30%)$1,035/mo

Dining, entertainment, hobbies

Savings (20%)$690/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$1,035/mo

30% of monthly take-home — the commonly recommended housing cost ceiling.

Annual Savings Potential

$8,277

Daily Take-Home

$159

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$49,840	$4,153	$1,917	$958	$192	$24
Federal Income Tax	−$3,801	−$317	−$146	−$73	−$15	−$2
State Income Tax	−$844	−$70	−$32	−$16	−$3	−$0
Social Security	−$3,090	−$258	−$119	−$59	−$12	−$1
Medicare	−$723	−$60	−$28	−$14	−$3	−$0
Total Taxes	−$8,457	−$705	−$325	−$163	−$33	−$4
Take-Home Pay	$41,383	$3,449	$1,592	$796	$159	$20

Federal Rate

7.6%

State Rate

1.7%

Total Rate

17.0%

State-by-State Comparison

Same $49,840 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo Tax	$42,226	$7,614	15.3%
FLFloridaNo Tax	$42,226	$7,614	15.3%
NVNevadaNo Tax	$42,226	$7,614	15.3%
OHOhio	$41,638 -$588	$8,202 -$588/yr	16.5%
WAWashingtonNo Tax	$41,535 -$691	$8,305 -$691/yr	16.7%
AZArizonaYou	$41,383 -$844	$8,457 -$844/yr	17.0%
PAPennsylvania	$40,661 -$1,565	$9,179 -$1,565/yr	18.4%
CACalifornia	$40,395 -$1,832	$9,445 -$1,832/yr	19.0%
ILIllinois	$39,904 -$2,322	$9,936 -$2,322/yr	19.9%
NYNew York	$39,886 -$2,341	$9,954 -$2,341/yr	20.0%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $725/yr in taxes

Pre-tax 401(k) contributions reduce your federal and state taxable income. Contributing an additional $5,000 would increase your monthly take-home by $417 while building retirement savings.

💍

Married filing jointly saves $2,439/yr

If you're married, filing jointly gives you a $32,200 standard deduction (vs $16,100 single) and wider tax brackets. This would add $203/month to your take-home.

🏥

An HSA could save $975/yr in taxes

If you have a High-Deductible Health Plan (HDHP), you can contribute up to $4,400 to an HSA pre-tax. This reduces your taxable income and saves $975 in federal and state taxes — a triple tax advantage.

Results for $49,840 salary · 2026 tax year

Take-Home Pay by Salary in Phoenix

Gross Salary	Take-Home / Year	Per Month	Effective Rate
$40,000	$33,723	$2,810	15.7%
$50,000	$41,508	$3,459	17.0%
$60,000	$49,293	$4,108	17.8%
$75,000	$60,120	$5,010	19.8%
$100,000	$77,083	$6,424	22.9%
$125,000	$93,981	$7,832	24.8%
$150,000	$110,444	$9,204	26.4%
$200,000	$144,330	$12,027	27.8%

Phoenix Salaries by Occupation

BLS median wage for each occupation in the Phoenix-Mesa-Chandler, AZ area, with take-home after all 2026 taxes.

Occupation	Median Wage	Take-Home	Eff. Rate
Physician (General Practice)	$239,200	$170,514	28.7%
Dentist	$211,260	$152,341	27.9%
Veterinarian	$138,420	$102,818	25.7%
Marketing Manager	$137,370	$102,127	25.7%
Pharmacist	$136,870	$101,797	25.6%
Lawyer	$135,600	$100,961	25.5%
Nurse Practitioner	$134,630	$100,322	25.5%
Physician Assistant	$133,970	$99,888	25.4%
Human Resources Manager	$131,930	$98,544	25.3%
Software Developer	$129,600	$97,010	25.1%
Construction Manager	$111,550	$84,919	23.9%
Electrical Engineer	$109,820	$83,745	23.7%
Data Scientist	$109,230	$83,345	23.7%
Psychologist	$108,270	$82,694	23.6%
Occupational Therapist	$103,090	$79,179	23.2%
Mechanical Engineer	$102,300	$78,643	23.1%
Physical Therapist	$102,080	$78,494	23.1%
Registered Nurse	$98,160	$75,834	22.7%
Dental Hygienist	$97,920	$75,671	22.7%
Civil Engineer	$95,400	$73,961	22.5%
Operations Manager	$94,130	$73,100	22.3%
Police Officer	$91,600	$71,383	22.1%
Financial Analyst	$91,140	$71,071	22.0%
Radiologic Technologist	$85,440	$67,204	21.3%
Accountant	$80,080	$63,567	20.6%
UX Designer	$78,370	$62,407	20.4%
Social Worker	$69,620	$56,470	18.9%
Plumber	$62,680	$51,379	18.0%
Firefighter	$61,640	$50,569	18.0%
Elementary School Teacher	$60,070	$49,347	17.9%
Electrician	$59,940	$49,246	17.8%
Truck Driver (Heavy)	$56,220	$46,350	17.6%
Real Estate Agent	$53,370	$44,131	17.3%
Graphic Designer	$52,450	$43,415	17.2%

Source: BLS Occupational Employment and Wage Statistics, May 2024, Phoenix-Mesa-Chandler, AZ (MSA 38060). Occupations BLS does not publish an estimate for in this metro are omitted rather than guessed.

How these Phoenix numbers are calculated

Wages are published BLS medians for the Phoenix-Mesa-Chandler, AZ metropolitan statistical area — the wider metro, not Phoenix city limits. Taxes are 2026 federal brackets, FICA, and Arizona state income tax, for a single filer taking the standard deduction. Cost of living is not modeled — a higher wage here does not automatically mean more spending power. Full methodology.