Tennessee vs. Georgia Paycheck Comparison [2026]
Compare Tennessee's no-wage-tax estimate against Georgia take-home pay, with Florida as an additional no-wage-tax reference.
At $85,000
On a $85,000 salary, Tennessee leaves the most: an estimated $68,628 a year. The gap across these 3 is $3,493, which is state income tax alone — before any difference in what it costs to live in each.
| Jurisdiction | State income tax | Take-home | Behind leader |
|---|---|---|---|
| Tennessee | $0 | $68,628 | — |
| Georgia | $3,493 | $65,135 | $3,493 |
| Florida | $0 | $68,628 | — |
Tennessee takes no income tax on this
Tennessee levies no individual income tax on wages, so nothing is withheld for state income tax and the whole $85,000 is reduced by federal income tax and FICA alone. That also means the state share does not change as this salary rises — the only progression left in the figures above is federal.
Georgia applies one flat rate
Georgia taxes wage income at a single 4.99% rate rather than a graduated schedule, so the state share does not change shape as the salary rises. After $15,000 of deductions the state taxes $70,000, producing $3,493 — 4.11% of gross pay.
Florida takes no income tax on this
Florida levies no individual income tax on wages, so nothing is withheld for state income tax and the whole $85,000 is reduced by federal income tax and FICA alone. That also means the state share does not change as this salary rises — the only progression left in the figures above is federal.
A single filer paid biweekly, no dependents and no 401(k) contribution, on 2026 rules reviewed through 2026-08-09. State income tax only — local and municipal taxes are excluded, as is cost of living. Use the calculator above for your own salary and filing status.
Common questions
Which state leaves you with more take-home pay, Tennessee or Georgia?
On a $85,000 single-filer salary, Tennessee leaves the most of these 3: an estimated $68,628 a year. The gap across all 3 is $3,493, and that is state income tax alone.
Does this comparison include cost of living?
No. The $3,493 gap here is state income tax on the same salary, before rent, housing, insurance or sales tax. Those routinely reverse the order: a jurisdiction that keeps more of a paycheck is frequently a more expensive place to spend it. Treat this as the tax half of the question.
What salary and filing status is this based on?
A single filer earning $85,000 a year with no dependants and no pre-tax deductions, using 2026 federal, FICA and state rules. A different salary changes the ranking, because states with graduated brackets move relative to flat-rate ones as income rises.