What changed in our data, and when

45 of 50 state tax tables now on 2026

45 states' 2026 individual income-tax figures are verified and live; 5 are deliberately still on 2025 (listed under pending below). Every entry was checked against the state's own Department of Revenue material as well as the Tax Foundation's 2026 compilation, because the compilation's February cutoff misses retroactive mid-year legislation. All 45 were verified on July 23, 2026.

Of the 45, 28 carry at least one changed figure and 17 were positively confirmed unchanged for 2026 rather than carried forward on the assumption that nothing moved. The change list below is a field-by-field diff against each state's 2025 table, not a summary written by hand.

Changed figures (28)

• Arkansas top rate 3.9% → 3.7% · standard deduction $2,410 → $2,470 (single)
  TOP RATE CUT THE TAX FOUNDATION TABLE MISSES. Arkansas's May 2026 first extraordinary session (HB 1001 / SB 1, signed as Acts 1 and 2 on May 6, 2026) cut the top individual rate from 3.9% to 3.7%, retroactive to January 1, 2026. The Tax Foundation's 2026…
• Colorado standard deduction $15,750 → $16,100 (single)
  Rate unchanged at the full statutory 4.40% for 2026. Colorado's TABOR mechanism can temporarily cut the rate in surplus years, but Colorado Legislative Council Staff's June 2026 Economic & Revenue Forecast projects NO TABOR surplus for FY 2025-26, so no…
• Georgia flat rate 5.19% → 4.99% · standard deduction $12,000 → $15,000 (single)
  CHANGED, and changed AFTER the Tax Foundation's Feb 2026 table was published — do not trust TF for Georgia this year.
• Hawaii standard deduction $4,400 → $8,000 (single)
  STANDARD DEDUCTION NEARLY DOUBLES; TAX FOUNDATION TABLE IS STALE HERE. Act 46 (SLH 2024) staggers its two levers: brackets widen in tax years 2025, 2027 and 2029, while the standard deduction rises in 2024, 2026, 2028, 2030 and 2031. DOTAX Announcement No…
• Illinois personal exemption $2,850 → $2,925
  Rate unchanged at a flat 4.95% (statutory, 35 ILCS 5/201). The exemption allowance rises from $2,850 (2025) to $2,925 for tax year 2026 — the only individual income tax change in IDOR Informational Bulletin FY 2026-15 (December 2025). Illinois still has no…
• Indiana flat rate 3% → 2.95%
  CHANGED: flat rate falls from 3.00% (2025) to 2.95% for tax year 2026 under Indiana's legislated phase-down, with a further scheduled cut to 2.90% on January 1, 2027. Confirmed on the rate actually in effect, not merely legislated: Indiana DOR Departmental…
• Iowa standard deduction $15,750 → $16,100 (single)
  Rate unchanged: the Iowa DOR's October 21, 2025 announcement confirms the flat 3.8% rate (Senate File 2442) applies to all levels of taxable income in 2026. The deduction figure moves only because Iowa rolling-conforms to the Internal Revenue Code (IDR's…
• Kentucky flat rate 4% → 3.5% · standard deduction $3,270 → $3,360 (single)
  RATE CUT: flat rate drops from 4.00% (2025) to 3.50% effective January 1, 2026, under House Bill 1 (2025 session), which ratified the revenue trigger the General Assembly enacted in 2022. Standard deduction rises from $3,270 to $3,360 per filer (an increase…
• Louisiana standard deduction $12,500 → $12,875 (single)
  Rate unchanged, deduction indexed up. The flat 3.00% rate enacted for 2025 continues for 2026 - the Louisiana Dept. of Revenue FAQ states the rate applies 'for taxable periods beginning on or after January 1, 2025', with no 2026 change.
• Maine top rate 7.15% → 9.15% · standard deduction $15,000 → $15,300 (single) · personal exemption $5,150 → $5,300
  NEW 2% MILLIONAIRE SURCHARGE, RETROACTIVE TO JAN 1 2026 - this post-dates the Tax Foundation's February 2026 compilation and is NOT in it.
• Massachusetts bracket thresholds
  SURTAX THRESHOLD INDEXED UP for 2026: $1,083,150 (2025) -> $1,107,750 (2026). CAUTION - the Tax Foundation's 2026 table still shows $1,083,150 for Massachusetts, which is the 2025 figure; it is stale.
• Michigan personal exemption $5,800 → $5,900
  Rate unchanged at 4.25%; personal exemption rises from $5,800 (2025) to $5,900 (2026) with inflation indexing — do NOT carry the 2025 exemption forward.
• Minnesota bracket thresholds · standard deduction $14,950 → $15,300 (single)
  Rates unchanged (5.35% / 6.80% / 7.85% / 9.85%); brackets and standard deduction inflation-adjusted by 2.369% for tax year 2026 per the Minnesota DOR's December 16, 2025 announcement, rounded to the nearest $10 on the U.S. Chained CPI-U.
• Mississippi top rate 4.4% → 4%
  Top rate falls from 4.4% (2025) to 4.0% for tax year 2026 — the Mississippi DOR's own rate page states 'Tax Year 2026 Excess of $10,000 of Taxable Income is taxed @ 4%' and shows 3.75% scheduled for 2027, continuing the Build Up Mississippi Act phase-down…
• Missouri bracket thresholds · standard deduction $15,750 → $16,100 (single)
  Top rate unchanged at 4.70%; no trigger reduction took effect for 2026. Brackets are inflation-indexed and all shifted up: the exempt band rises from $1,313 to $1,348 and the 4.7% top rate now starts above $9,436 (was $9,191). Missouri uses ONE bracket…
• Montana top rate 5.9% → 5.65% · standard deduction $15,750 → $16,100 (single)
  RATE CUT AND MAJOR BRACKET WIDENING under House Bill 337 (2025), effective tax year 2026. Top rate falls from 5.90% to 5.65% (scheduled to fall again to 5.40% in 2027), and the 4.7% lower bracket more than doubles: $21,100 -> $47,500 single, $42,200 ->…
• Nebraska top rate 5.2% → 4.55% · standard deduction $8,600 → $8,850 (single)
  RATE CUT for 2026: top rate falls from 5.20% to 4.55% under the scheduled phase-down (Neb. Rev. Stat.
• New Mexico standard deduction $15,750 → $16,100 (single)
  Brackets unchanged. NMSA 7-2-7, as rewritten by HB 252 (Laws 2024, ch. 67, sec. 5), sets these rates 'for any taxable year beginning on or after January 1, 2025' with no sunset and no inflation indexing; the bill text confirms the single schedule ($5,500 /…
• New York bracket thresholds
  RATE CUT for 2026. The FY2026 enacted budget cut the bottom five bracket rates by 0.10 percentage point effective tax year 2026: 4.00%->3.90%, 4.50%->4.40%, 5.25%->5.15%, 5.50%->5.40%, 6.00%->5.90%. A further 0.10-point cut is scheduled for 2027. The top…
• North Carolina flat rate 4.25% → 3.99%
  Flat rate drops from 4.25% (2025) to 3.99% for taxable years beginning after 2025, the last scheduled step in Session Law 2023-134; NCDOR's own Tax Rate Schedules page states it explicitly. Further reductions are possible from tax year 2027 onward under…
• Ohio top rate 3.125% → 2.75% · table add-on $360.69 → $332
  OHIO STILL NEEDS tableBase FOR 2026 - it has NOT become purely flat in the arithmetic sense.
• Oklahoma top rate 4.75% → 4.5%
  MAJOR RESTRUCTURE for 2026. HB 2764 (signed May 28, 2025, amending 68 O.S. 2355) collapses the old six-bracket 0.25%-4.75% schedule into three taxed brackets sitting above a new 0% band, and cuts the top rate to 4.50%, effective tax year 2026. Taken verbatim…
• Oregon bracket thresholds · standard deduction $2,800 → $2,900 (single)
  CHANGED via inflation indexing — rates identical (4.75/6.75/8.75/9.9) but every indexed threshold and the standard deduction moved, so nothing here may be carried forward from 2025. Verified against the Oregon DOR's own 2026 Publication OR-ESTIMATE…
• Rhode Island bracket thresholds · standard deduction $10,900 → $11,200 (single) · personal exemption $5,100 → $5,250
  Rates unchanged (3.75% / 4.75% / 5.99%, one uniform schedule for every filing status).
• South Carolina top rate 6% → 5.21% · standard deduction $15,750 → $15,000 (single)
  COMPLETE RESTRUCTURE — the biggest change in this batch. H.4216 / Act 110, signed March 30, 2026 and first applying to tax years beginning after 2025, replaces the 2025 three-bracket 0% / 3% / 6% schedule with two brackets: 1.99% on the first $30,000 of…
• Utah flat rate 4.5% → 4.45%
  RATE CUT: flat rate drops from 4.50% (2025) to 4.45%. Senate Bill 60 of the 2026 General Session was signed March 23, 2026 and applies retroactively to taxable years beginning on or after January 1, 2026 — the fifth consecutive annual rate cut (4.95% in…
• West Virginia top rate 4.82% → 4.58%
  5% ACROSS-THE-BOARD CUT THE TAX FOUNDATION TABLE MISSES. SB 392 (approved March 31, 2026, codified at W. Va. Code 11-21-4j effective June 12, 2026) cuts every rate by roughly 5%, retroactive to January 1, 2026: 2.22% -> 2.11%, 2.96% -> 2.81%, 3.33% -> 3.16%…
• Wisconsin bracket thresholds · standard deduction $13,560 → $13,960 (single)
  Rates unchanged (3.5% / 4.4% / 5.3% / 7.65%); all four bracket ceilings and the standard deduction moved up with inflation indexing. Single: 3.5% to $15,110, 4.4% to $51,950, 5.3% to $332,720, 7.65% above.

Confirmed unchanged (17)

• Alabama — No change for 2026 — rates, brackets, standard deduction and personal exemption all identical to 2025, positively confirmed rather than carried forward.
• Alaska — No change. Alaska levies no individual income tax for 2026; the Tax Foundation's 2026 compilation lists Alaska as 'No individual income tax'. Alaska has never had a…
• Connecticut — No change for 2026 - positively confirmed unchanged, not carried forward blindly.
• Delaware — CORRECTS THE 2025 FILE'S FORWARD-LOOKING NOTE. The existing 2025 entry says a 2025 law restructuring the brackets with new 6.75% and 6.95% top rates 'takes effect in…
• Florida — No change. Florida levies no individual income tax in 2026; the Tax Foundation's 2026 compilation lists Florida as 'n.a.'
• Kansas — No change for 2026 — POSITIVELY CONFIRMED, not carried forward. Kansas's SB 269 (2025) trigger required the Director of the Budget to certify by August 15, 2025 both…
• Maryland — No change for 2026 — the 6.25% and 6.5% high-income brackets added by the Budget Reconciliation and Financing Act of 2025 first applied in tax year 2025 and carry into…
• Nevada — No change. Nevada levies no individual income tax in 2026. The Tax Foundation's 2026 compilation lists Nevada as 'n.a.' on every field, and the prohibition is…
• New Hampshire — No change. New Hampshire's Interest & Dividends Tax was repealed effective January 1, 2025 (2023 HB 2), so 2026 is the second tax year with no individual income tax of…
• New Jersey — No change for 2026. New Jersey's gross income tax brackets are fixed in statute and are not inflation-indexed, so they move only when the Legislature amends them — and…
• Pennsylvania — No change. Pennsylvania's flat personal income tax remains 3.07% for 2026 — the rate has been unchanged since 2004. No standard deduction and no personal exemption, so…
• South Dakota — No change. South Dakota levies no individual income tax in 2026 and never has; Tax Foundation's January 1, 2026 table confirms it among the nine no-income-tax states…
• Tennessee — No change. Tennessee levies no individual income tax for 2026; the Tax Foundation's 2026 compilation lists Tennessee as 'No individual income tax'.
• Texas — No change. Texas levies no individual income tax in 2026; Tax Foundation's January 1, 2026 compilation lists Texas among the nine states with no broad-based individual…
• Virginia — No change for 2026, confirmed against a 2026 primary source rather than carried forward.
• Washington — Wage income: VERIFIED no change — Washington still levies no individual income tax on wages in 2026. CAPITAL GAINS EXCISE TAX: 2026 figure NOT VERIFIED.
• Wyoming — No change. Wyoming levies no individual income tax in 2026. The Tax Foundation's 2026 compilation lists Wyoming as 'n.a.'

Federal 2026 tables verified against Rev. Proc. 2025-32

The 2026 ordinary brackets, standard deduction and long-term capital-gains breakpoints are taken from IRS Rev. Proc. 2025-32, the inflation-adjustment release that also carries the One Big Beautiful Bill Act amendments.

Standard deduction $16,100 single / $32,200 married filing jointly. Top ordinary rate 37% above $640,600 single / $768,700 joint. The 0% long-term capital-gains band runs to $49,450 of taxable income for a single filer. Social Security wage base $184,500 (SSA); 401(k) elective-deferral limit $24,500 (IRS Notice 2025-67). Additional-Medicare thresholds are statutory rather than indexed, so they did not move.

Last re-verified against those sources on July 22, 2026. The next scheduled change to this dataset is the IRS's 2027 inflation-adjustment release.

30-year fixed benchmark set to 6.55%

The default rate behind the mortgage calculator and every price-point page is the Freddie Mac Primary Mortgage Market Survey weekly average, read from FRED series MORTGAGE30US. The reading of 6.55% is the survey week ending July 16, 2026.

The figure is committed to the repository rather than fetched during the build, so any given build is reproducible and the as-of date shown on a page is the date the number was actually captured. The live rate ticker fetches its own copy in your browser and can therefore be newer than this stamp.

All 50 state tables re-audited on the 2025 baseline

Before any 2026 figures were applied, all 50 states' 2025 tables were re-checked against the Tax Foundation's 2025 compilation and each state's Department of Revenue, including per-state checks for retroactive mid-2025 legislation.

That baseline still matters: it is what a state renders from until its 2026 figures are published and verified, so a state waiting on 2026 numbers is showing audited 2025 data, not stale data of unknown age.

Real median household income — 2024 survey year

Median household income by state comes from the U.S. Census Bureau's Current Population Survey (Annual Social and Economic Supplement), pulled from FRED's per-state MEHOINUS series in inflation-adjusted 2024 dollars. It is the “typical earner” figure used in the state paycheck examples.

The 50 state values span $55,980 (Mississippi) to $113,900 (Massachusetts). This dataset carries a survey year rather than a revision date, so it has no dated entry above; it moves when the Census Bureau publishes the next annual estimates.