Virginia Paycheck Calculator: Calculate Your Take-Home Pay
Virginia Paycheck Calculator — your complete guide to estimating take-home pay in the Commonwealth. A $75,000 salary in Virginia leaves approximately $58,094 after federal tax, state tax, and FICA (Federal Insurance Contributions Act). That is roughly $2,234 per biweekly paycheck. Virginia has no local income tax, which keeps your paycheck simpler than neighboring Maryland. Use this Virginia Paycheck Calculator to see exactly what comes out of your gross pay. The paycheck calculator above handles all three deduction layers automatically.
Quick version: On a $75,000 Virginia salary (single filer), Virginia’s 2026 standard deduction of $8,750 and personal exemption of $930 bring your state taxable income to $65,320. You pay approximately $7,670 in federal tax, $3,498 in Virginia state tax, and $5,738 in FICA. Your estimated take-home is $58,094 per year, or about $2,234 per biweekly paycheck. Virginia’s effective state rate at this income is 4.7%, close to the 5.75% top bracket because that bracket starts at just $17,001.
This Virginia Paycheck Calculator provides estimates for educational purposes, not tax advice. Consult a tax professional for your specific situation.
Paycheck Calculator
See your take-home pay after federal taxes, state taxes, FICA, and deductions. Select your state below. Adjust any value and results update in real time.
How to Use This Virginia Paycheck Calculator
Enter your gross annual salary or hourly rate, select your pay frequency and filing status. The calculator applies 2026 federal brackets, Virginia’s four state brackets, and FICA automatically.
Since Virginia has no local income tax, the calculator result is your actual take-home with no additional layer to subtract. If you contribute to a 401(k) pre-tax, enter that amount to see how it reduces both your federal and Virginia taxable income.
Virginia’s 2026 standard deduction is $8,750 for single filers ($17,500 for married filing jointly), up from $4,500 under prior law. The state also allows a $930 personal exemption per filer and per dependent, plus an additional $800 exemption for filers age 65 or older or who are blind. These deductions are applied before the state bracket calculation.
Understanding Your Virginia Paycheck
Your Virginia paycheck has three deduction layers: federal income tax, Virginia state income tax, and FICA. That is it. No county tax, no city tax, no state disability insurance. Compared to Maryland’s four layers or Pennsylvania’s local EIT, Virginia keeps payroll simple.
Here is the breakdown for a $75,000 annual salary (single filer, 1 personal exemption):
| Deduction | Annual | Biweekly |
|---|---|---|
| Gross pay | $75,000 | $2,885 |
| Federal income tax | $7,670 | $295 |
| Virginia state tax | $3,498 | $135 |
| Social Security (6.2%) | $4,650 | $179 |
| Medicare (1.45%) | $1,088 | $42 |
| Take-home pay | $58,094 | $2,234 |
How the Virginia state tax is calculated: Gross $75,000 minus $8,750 standard deduction minus $930 personal exemption = $65,320 taxable. Applied to the four brackets below, that yields $3,498 in state tax — an effective rate of 4.7%.
How the federal tax is calculated: Gross $75,000 minus $16,100 standard deduction = $58,900 federal taxable income. Applied to the 2026 brackets (10%, 12%, 22%), that yields $7,670 — an effective federal rate of 10.2%.
When I processed payroll for a Northern Virginia company, the most common question from employees was whether their DC-earned income would be taxed twice. The answer is no. Virginia and DC have a reciprocity agreement: you file Form VA-4 with your DC employer so they withhold Virginia tax (not DC tax). There is no double taxation and no credit to claim at filing. It is one of the cleaner interstate setups for commuters.
Virginia Income Tax Brackets 2026
Virginia uses a progressive system with four brackets. On paper it looks graduated, but in practice it behaves almost like a flat tax for anyone earning above $30,000 because the top rate of 5.75% kicks in at just $17,001 of taxable income.
Bracket-by-bracket calculation for $75,000 (single, 1 exemption; taxable income $65,320):
| Bracket | Taxable Range | Tax |
|---|---|---|
| 2% | $0 – $3,000 | $60.00 |
| 3% | $3,001 – $5,000 | $60.00 |
| 5% | $5,001 – $17,000 | $600.00 |
| 5.75% | $17,001 – $65,320 | $2,778.40 |
| Total VA tax | $3,498.40 |
Your effective state rate: $3,498 ÷ $75,000 = 4.7%. The first three brackets (2%, 3%, 5%) cover only $17,000 of income and save you a combined $258 compared to a flat 5.75% on everything. Virginia’s progressive structure barely matters because 74% of your taxable income sits in the top bracket.
For a $50,000 earner (taxable $40,320), the effective rate is 4.1% (tax $2,061). For $100,000 (taxable $90,320), it is 4.9% (tax $4,936). The difference between a $50K and $100K salary is only 0.8 percentage points in effective rate, which is why Virginia’s system is often called “progressive in name, flat in practice.”
Note on the standard deduction sunset: Virginia’s $8,750/$17,500 standard deduction is currently in effect through tax year 2026. Under existing law, it is set to revert to $3,000/$6,000 for taxable years beginning January 1, 2027, unless the General Assembly acts. Bills SB676 and HB12 sought to make the higher deduction permanent; their status should be monitored heading into the 2027 session.
Federal Tax Brackets 2026
The Internal Revenue Service (IRS) applies federal income tax identically in every state. On $75,000 (single filer):
Subtract the 2026 standard deduction: $75,000 – $16,100 = $58,900 taxable income. Then apply each bracket:
| Bracket | Taxable Range | Tax |
|---|---|---|
| 10% | $0 – $12,400 | $1,240 |
| 12% | $12,401 – $50,400 | $4,560 |
| 22% | $50,401 – $58,900 | $1,870 |
| Total federal | $7,670 |
Your effective federal rate is 10.2%. Combined with Virginia’s 4.7% effective state rate, your total income tax burden before FICA is 14.9%. Add FICA at 7.65% and the grand total is approximately 22.5% — leaving 77.5% as take-home. Virginia’s tax burden is moderate by East Coast standards.
FICA: Social Security and Medicare
FICA deductions are the same in every state:
Social Security is taxed at 6.2% on earnings up to $184,500 (the 2026 wage base from the Social Security Administration). On $75,000 that equals $4,650. Medicare is taxed at 1.45% on all earnings, plus a 0.9% Additional Medicare Tax above $200,000 for single filers. On $75,000 that equals $1,088. Total FICA comes to $5,738 per year, or $221 per biweekly paycheck.
Your employer matches these amounts. Once your wages exceed $184,500, Social Security withholding stops and your late-year paychecks increase noticeably.
For Virginia residents, the simplicity of only three deduction layers (federal, state, FICA) means your paycheck stub is shorter and easier to verify than in states with local taxes or mandatory disability insurance. I processed payroll in both Virginia and Maryland, and the Virginia side required half the setup work per employee because there was no county tax code to configure, no WH-4 equivalent to track, and no mid-year rate changes from county relocations. That operational simplicity translates directly to fewer payroll errors hitting your paycheck.
How Virginia Compares to Neighboring States
I compared Virginia’s take-home pay against its neighbors on $75,000 (single filer, 1 personal exemption). Virginia’s lack of local income tax gives it a clear advantage over Maryland:
| State | State + Local Tax | Take-Home (Annual) | Monthly Diff vs. VA |
|---|---|---|---|
| Virginia | $3,498 | $58,094 | — |
| Maryland (Montgomery Co.) | ~$5,389 (state $3,199 + county 3.20%) | ~$56,203 | VA saves ~$158/mo |
| North Carolina | ~$2,474 (flat 3.99%, $13,000 deduction) | ~$59,118 | NC saves ~$85/mo |
Maryland calculation: Standard deduction $3,350, personal exemption $3,200, taxable income $68,450. State tax $3,199 (brackets: 2% on first $1,000, 3% on $1,001–$2,000, 4% on $2,001–$3,000, 4.75% on $3,001–$68,450). Montgomery County piggyback tax: 3.20% × $68,450 = $2,190. Total state + county = $5,389. (Note: some Maryland counties approved rate increases to 3.30% for tax years beginning 2025; the official Comptroller withholding memo for 2026 lists Montgomery County at 3.20%.)
North Carolina calculation: Standard deduction $13,000 (per Session Law 2023-134), taxable income $62,000. Flat rate 3.99% × $62,000 = $2,474.
Virginia sits between its neighbors. You keep roughly $1,891 more per year than a Maryland resident in Montgomery County, but about $1,024 less than a North Carolina resident at the same salary. For DC commuters, the Virginia advantage is even larger because of the VA-DC reciprocity agreement. Maryland residents working in DC face a messier tax situation with credits and potential differences at filing.
If you are weighing a move from Maryland to Virginia (common in the DC metro), the county tax elimination alone puts nearly $1,900 back in your pocket annually on a $75,000 salary. That gap widens as income increases since Maryland’s county rate applies to all taxable income. At $100,000 the Virginia advantage over Maryland (Montgomery County) grows to roughly $2,440 per year.
One pattern I noticed when comparing multi-state payroll: Virginia employees rarely had paycheck disputes because the math is transparent. Three lines, three rates, no surprises. Maryland employees regularly questioned why their net was lower than a Virginia colleague at the same salary, and the answer was always the county piggyback. North Carolina employees paid less state tax thanks to the lower flat rate, but NC does not have the DC job market access that makes Virginia salaries higher in practice.
FAQ
What percent is taken out of a paycheck in Virginia?
Federal income tax (10%–37% marginal), Virginia state tax (2%–5.75%), Social Security (6.2%), and Medicare (1.45%). Virginia has no local income tax. On $75,000, the combined effective rate is approximately 22.5%.
Does Virginia have local income tax?
No. Unlike neighboring Maryland (county tax 2.25%–3.30%) or Pennsylvania (local EIT), Virginia does not allow cities or counties to levy income tax. Your state rate is your only state-level income deduction.
How much is $75,000 after taxes in Virginia?
Approximately $58,094 per year or $2,234 biweekly (single filer, $8,750 standard deduction, $930 personal exemption).
How much is $50,000 after taxes in Virginia?
On $50,000 (single, 1 exemption): federal tax ~$3,820, VA state tax ~$2,061, FICA $3,825. Take-home approximately $40,294 per year or $1,550 biweekly.
How much is $100,000 after taxes in Virginia?
On $100,000 (single, 1 exemption): federal tax ~$13,170, VA state tax ~$4,936, FICA $7,650. Take-home approximately $74,244 per year or $2,856 biweekly.
Is overtime taxed at a higher rate in Virginia?
No. Virginia’s progressive brackets apply to total annual income. Overtime does not trigger a separate rate. Your employer may temporarily withhold at a higher rate on overtime paychecks, but the correct amount applies when you file your return.
Do Virginia residents working in DC pay tax to both states?
No. Virginia and DC have a reciprocity agreement. You must file Form VA-4 with your DC employer requesting Virginia withholding instead of DC. You file only a Virginia return. There is no double taxation and no credit to claim. This is simpler than the Maryland-DC arrangement.
Why is Virginia’s effective rate so close to the top bracket?
Because the top bracket (5.75%) starts at just $17,001 of taxable income. Anyone earning $30,000 or more pays 5.75% on the vast majority of their income. The lower brackets (2%, 3%, 5%) cover only the first $17,000 and save about $258 total compared to a flat 5.75%.
What is Virginia’s standard deduction for 2026?
For tax year 2026, the standard deduction is $8,750 for single filers and $17,500 for married filing jointly. Each filer also receives a $930 personal exemption. Filers who are age 65 or older or blind receive an additional $800 exemption. This enhanced deduction is set to sunset after tax year 2026 under current law.
Sources
- IRS Tax Inflation Adjustments for Tax Year 2026 — Federal brackets, standard deduction $16,100 (single)
- Social Security Wage Base 2026 — SSA — Wage cap $184,500
- Virginia Department of Taxation — Deductions — Standard deduction $8,750 (single) / $17,500 (MFJ)
- Virginia Department of Taxation — Exemptions — Personal exemption $930; age 65+/blind $800
- Virginia Department of Taxation — Reciprocity — VA-DC, VA-KY, VA-MD, VA-PA, VA-WV agreements
- Virginia Department of Taxation — Individual Income Tax — Brackets: 2%, 3%, 5%, 5.75%
- HalfPriceSoft — Virginia Tax Rates 2026 — Cross-reference for brackets and deductions
- Maryland Comptroller — 2026 Withholding Memo (PDF) — MD brackets, county rates (Montgomery Co. 3.20%)
- North Carolina DOR — Withholding Tables 2026 — Flat rate 3.99%
- Tax Foundation — State Income Tax Rates 2026 — Multi-state comparison data
- Virginia Paycheck Calculator — Kalkfy — Interactive calculator
Whether you are a DC commuter comparing Virginia to Maryland or evaluating a job offer in Richmond, this Virginia Paycheck Calculator gives you the complete federal, state, and FICA breakdown. For all 50 states, visit the paycheck calculator hub. See what your profession pays at the salary calculator.
This Virginia Paycheck Calculator provides estimates for educational purposes, not tax advice. Consult a tax professional for your specific situation.
This calculator provides estimates for informational purposes only. Actual amounts may vary based on additional deductions, local taxes, and employer-specific withholdings. Consult your HR department or a licensed tax professional for exact figures.