See exactly how much you'll take home at different salary levels. All examples include federal tax (2026 IRS brackets, $16,100 standard deduction), Virginia state tax (2026 $8,750 standard deduction), and FICA ($184,500 SS wage base). Virginia has no local income tax.
| Annual Salary | Gross/Check (bi-wk) | Federal Tax/Check | VA State Tax/Check | FICA/Check | Net Pay/Check | Take-Home % |
|---|---|---|---|---|---|---|
| $40,000 | $1,538.46 | $100.77 | $59.21 | $117.69 | $1,260.79 | 82.0% |
| $60,000 | $2,307.69 | $193.08 | $103.44 | $176.54 | $1,834.64 | 79.5% |
| $80,000 | $3,076.92 | $337.31 | $147.67 | $235.38 | $2,356.56 | 76.6% |
| $100,000 | $3,846.15 | $506.54 | $191.90 | $294.23 | $2,853.49 | 74.2% |
| $150,000 | $5,769.23 | $951.31 | $302.48 | $441.35 | $4,074.10 | 70.6% |
| Annual Salary | Gross/Check (bi-wk) | Federal Tax/Check | VA State Tax/Check | FICA/Check | Net Pay/Check | Take-Home % |
|---|---|---|---|---|---|---|
| $60,000 | $2,307.69 | $109.23 | $84.09 | $176.54 | $1,937.84 | 84.0% |
| $80,000 | $3,076.92 | $201.54 | $128.32 | $235.38 | $2,511.68 | 81.6% |
| $100,000 | $3,846.15 | $293.85 | $172.55 | $294.23 | $3,085.53 | 80.2% |
| $150,000 | $5,769.23 | $590.00 | $283.12 | $441.35 | $4,454.76 | 77.2% |
* All figures are bi-weekly (26 pay periods) and use 2026 official tax rates (IRS Rev. Proc. 2025-32; VA Tax; SSA). Examples assume standard deduction only, no pre-tax deductions. Virginia has no local income tax.
| Annual Salary | Gross/Check (bi-wk) | Federal Tax/Check | VA State Tax/Check | FICA/Check | Net Pay/Check | Take-Home % |
|---|---|---|---|---|---|---|
| $40,000 | $1,538.46 | $60.96 | $59.21 | $117.69 | $1,300.60 | 84.5% |
| $60,000 | $2,307.69 | $151.85 | $103.44 | $176.54 | $1,875.87 | 81.3% |
| $80,000 | $3,076.92 | $244.15 | $147.67 | $235.38 | $2,449.72 | 79.6% |
| $100,000 | $3,846.15 | $378.77 | $191.90 | $294.23 | $2,981.25 | 77.5% |
| $150,000 | $5,769.23 | $817.35 | $302.48 | $441.35 | $4,208.06 | 72.9% |
Your Virginia paycheck has three main deductions: federal income tax (10%–37% marginal, after the $16,100 single / $32,200 MFJ standard deduction), Virginia state income tax (2%–5.75% progressive, after the $8,750 single / $17,500 MFJ standard deduction), and FICA taxes (Social Security 6.2% up to $184,500 + Medicare 1.45%). Virginia has no local income tax anywhere in the state — your take-home pay is the same regardless of which county or city you live in.
This calculator gives you an accurate estimate of your take-home pay in Virginia for 2026. We use the 2026 rates from IRS Revenue Procedure 2025-32, the Virginia Department of Taxation, and the SSA's 2026 wage base announcement.
Whether you are salaried, hourly, or a DMV commuter (living in VA but working in DC or MD), this tool handles your specific situation. Virginia has reciprocity agreements with DC, Maryland, Pennsylvania, West Virginia, and Kentucky, meaning Virginia residents working in those states generally owe income tax only to Virginia.
Key 2026 Tax Numbers for Virginia Workers:
Getting an accurate take-home pay estimate takes less than 60 seconds:
If you live in Virginia but work in DC or Maryland, select the DMV commuter option. Because Virginia has reciprocity agreements with both DC and Maryland, Virginia residents working in those states typically pay Virginia income tax only — your employer should be withholding VA tax, not DC or MD tax, once you have filed the appropriate exemption form with them (Form D-4A for DC; Form MW507 for Maryland).
Virginia uses a progressive income tax system with four brackets. In 2026, the rates range from 2% on the first $3,000 of taxable income to 5.75% on income over $17,000. Your taxable income is your gross income minus the Virginia standard deduction ($8,750 for single filers, $17,500 for married filing jointly, per the Virginia Department of Taxation for TY2026).
| VA Taxable Income | Tax Rate | Tax on This Slice |
|---|---|---|
| $0 – $3,000 | 2.00% | Up to $60 |
| $3,001 – $5,000 | 3.00% | $60 – $120 |
| $5,001 – $17,000 | 5.00% | $120 – $720 |
| $17,001+ | 5.75% | $720 + 5.75% of excess over $17,000 |
For example, if you are single with $60,000 gross income, your VA standard deduction is $8,750, leaving $51,250 taxable. Your VA tax is: 2% × $3,000 ($60) + 3% × $2,000 ($60) + 5% × $12,000 ($600) + 5.75% × $34,250 ($1,969.38) = $2,689.38 total. Per bi-weekly check that is approximately $103.44.
Virginia's top rate of 5.75% applies to the vast majority of working Virginians because the top bracket begins at only $17,000 of taxable income. The progressive structure means lower-income residents pay a smaller share of their income in state taxes.
Federal income tax is the largest deduction from most paychecks. For 2026 (IRS Revenue Procedure 2025-32), the standard deduction is $16,100 for single filers, $24,150 for head of household, and $32,200 for married filing jointly. After subtracting your deduction, your taxable income is taxed at progressive rates from 10% to 37%.
| Taxable Income | Rate |
|---|---|
| $0 – $12,400 | 10% |
| $12,401 – $50,400 | 12% |
| $50,401 – $105,700 | 22% |
| $105,701 – $201,775 | 24% |
| $201,776 – $256,225 | 32% |
| $256,226 – $640,600 | 35% |
| $640,601+ | 37% |
| Taxable Income | Rate |
|---|---|
| $0 – $24,800 | 10% |
| $24,801 – $100,800 | 12% |
| $100,801 – $206,700 | 22% |
| $206,701 – $394,600 | 24% |
| $394,601 – $501,050 | 32% |
| $501,051 – $768,700 | 35% |
| $768,701+ | 37% |
| Taxable Income | Rate |
|---|---|
| $0 – $17,700 | 10% |
| $17,701 – $64,850 | 12% |
| $64,851 – $105,700 | 22% |
| $105,701 – $201,775 | 24% |
| $201,776 – $256,225 | 32% |
| $256,226 – $640,600 | 35% |
| $640,601+ | 37% |
Your federal tax is calculated after subtracting your standard deduction and any pre-tax 401(k) contributions. Section 125 benefits (HSA, FSA, health insurance, commuter) reduce both federal and FICA wages.
FICA stands for the Federal Insurance Contributions Act. It funds Social Security and Medicare. Every employee pays 6.2% for Social Security on wages up to $184,500 in 2026 (SSA, October 2025 announcement — up from $176,100 in 2025). You also pay 1.45% for Medicare on all wages with no income limit. High earners pay an additional 0.9% Medicare tax on income above $200,000 (single) or $250,000 (married).
FICA taxes are shared with your employer — they also pay 6.2% for Social Security and 1.45% for Medicare on your behalf. The calculator shows only the employee portion because that is what comes out of your paycheck.
Section 125 cafeteria plan benefits (HSA, FSA, employer-sponsored health insurance premiums, qualified commuter benefits) reduce your FICA wages as well as your federal and state taxable income — this is correctly reflected in the calculator's FICA computation.
The table below shows take-home pay for common salary levels — single filer, no pre-tax deductions, bi-weekly pay. All figures use 2026 official rates: IRS Rev. Proc. 2025-32 (federal brackets and $16,100 standard deduction), Virginia Department of Taxation ($8,750 VA standard deduction), and SSA ($184,500 SS wage base). Virginia has no local income tax.
| Annual Salary | Gross/Check | Federal Tax | VA State Tax | FICA | Net/Check | Take-Home % |
|---|---|---|---|---|---|---|
| $40,000 | $1,538.46 | $101.13 | $59.21 | $117.69 | $1,260.43 | 81.9% |
| $60,000 | $2,307.69 | $193.44 | $103.44 | $176.54 | $1,834.27 | 79.5% |
| $80,000 | $3,076.92 | $324.00 | $147.67 | $235.38 | $2,369.87 | 77.0% |
| $100,000 | $3,846.15 | $493.19 | $191.90 | $294.23 | $2,866.83 | 74.5% |
| $150,000 | $5,769.23 | $775.19 | $302.48 | $441.35 | $4,250.21 | 73.7% |
Take-home percentages decline as income rises because federal and state taxes are progressive. A $40,000 earner keeps about 82% of their gross, while a $150,000 earner keeps about 74%. Virginia's absence of any local income tax makes these calculations simpler and more favorable than neighboring Maryland.
If you live in Virginia but work in Washington, D.C. or Maryland, your situation is actually simpler than many people assume — because Virginia has formal tax reciprocity agreements with both DC and Maryland (as well as Pennsylvania, West Virginia, and Kentucky).
What reciprocity means for your paycheck:
What to do if DC or MD taxes were withheld in error:
If your employer withheld DC or MD tax from your wages when you should have been exempt under the reciprocity agreement, file a nonresident refund return in that jurisdiction to recover the erroneous withholding. In DC, use Form D-4A to claim future exemption. In MD, use Form MW507. Then ensure your employer withholds only Virginia tax going forward.
The reciprocity system means most DMV commuters face no double-taxation on wages and no complexity — just Virginia income tax on your wages, regardless of where in the region you work. This calculator computes your Virginia tax correctly whether you work inside Virginia or commute to DC or MD.
Unlike Maryland (which adds county income taxes of up to 3.2% on top of state tax) or Pennsylvania (which has widespread local earned income taxes), Virginia imposes no local or city income tax on wages anywhere in the Commonwealth. This is confirmed by the Virginia Department of Taxation and the Tax Foundation. Whether you live in Arlington, Fairfax, Alexandria, Richmond, Virginia Beach, or a rural county, your income tax burden is identical — only the statewide progressive rate of 2%–5.75% applies.
This makes Virginia's tax structure simpler and often more favorable for workers compared to neighboring states.
Your Virginia paycheck has three primary tax deductions: Federal income tax (10%–37% marginal rate, after the 2026 standard deduction of $16,100 single / $32,200 MFJ), Virginia state income tax (2%–5.75% progressive rate, after the $8,750/$17,500 standard deduction), and FICA taxes (Social Security 6.2% on wages up to $184,500 and Medicare 1.45%). Virginia has no local income tax in any county or city.
Virginia has a progressive income tax system with four brackets in 2026: 2% on income up to $3,000, 3% on income $3,001–$5,000, 5% on income $5,001–$17,000, and 5.75% on income over $17,000. The standard deduction is $8,750 for single filers and $17,500 for married filing jointly for tax year 2026, per the Virginia Department of Taxation.
No. Virginia has no local or city income tax on wages anywhere in the Commonwealth. Unlike Maryland (which adds county income taxes up to 3.2%) or Pennsylvania (which has widespread local earned income taxes), all Virginia workers face only the statewide progressive income tax rate — the same rate regardless of which county or city they live in. This is confirmed by the Virginia Department of Taxation and the Tax Foundation.
The Virginia minimum wage is $12.77 per hour effective January 1, 2026, up from $12.41 in 2025. This 2.9% increase was calculated based on CPI-U data per Virginia law (Va. Code § 40.1-28.10) and announced by the Virginia Department of Labor and Industry (DOLI). Virginia does not allow a tip credit — all employees, including tipped workers, must be paid the full $12.77/hour in direct cash wages. Tips are additional compensation beyond the minimum wage.
For a single filer earning $75,000 in Virginia in 2026, your annual net pay is approximately $58,041. Deductions include federal income tax (roughly $7,670 after the $16,100 standard deduction), Virginia state tax (roughly $3,552 after the $8,750 standard deduction), and FICA ($5,738). Virginia has no local income tax. The effective total tax rate is approximately 22.6%. Use the calculator above for your precise figures, including any pre-tax deductions.
FICA stands for the Federal Insurance Contributions Act. It funds Social Security and Medicare. In 2026, employees pay 6.2% for Social Security on wages up to $184,500 (the 2026 Social Security wage base announced by the SSA — an increase from $176,100 in 2025) and 1.45% for Medicare on all wages. High earners pay an additional 0.9% Medicare tax on income over $200,000 (single) or $250,000 (married).
Yes. Virginia has reciprocal tax agreements with the District of Columbia, Maryland, Pennsylvania, West Virginia, and Kentucky. Virginia residents working in DC should file Form D-4A (Certificate of Nonresidence in DC) with their employer to withhold Virginia tax only. Virginia residents working in Maryland should file Form MW507 with their employer. These agreements apply to wages and salary only — not business income or capital gains. For refunds of incorrectly withheld DC or MD tax, file a nonresident refund return in that jurisdiction.
Virginia is moderately tax-friendly for workers. Its progressive state income tax tops out at 5.75%, and — unlike Maryland, Pennsylvania, or Ohio — Virginia imposes no local income tax on wages anywhere in the state. Property taxes are moderate, and sales tax is 5.3% base. Social Security income is not taxed in Virginia. For workers who would otherwise face Maryland's county income tax surcharge (up to 3.2%), living in Virginia across the river offers a meaningful after-tax advantage.
The Virginia standard deduction for tax year 2026 is $8,750 for single filers and $17,500 for married filing jointly, per the Virginia Department of Taxation. This is subtracted from your gross income before Virginia state tax is calculated. This represents an increase from $8,500/$17,000 in prior years. The calculator applies the correct 2026 deduction automatically based on your filing status.
Pre-tax 401(k) contributions reduce your federal and Virginia state taxable income but remain subject to FICA. Section 125 cafeteria plan benefits — including HSA contributions, FSA contributions, employer-sponsored health insurance premiums, and qualified commuter benefits — reduce your federal taxable income, Virginia taxable income, and your FICA wages, providing the largest overall tax savings. For example, a $4,300 HSA contribution saves you federal income tax, Virginia state income tax, and 7.65% FICA — about $650–$800 in total tax savings depending on your bracket.
Your marginal tax rate is the rate you pay on the next dollar of income — for a single filer earning $75,000, that is 22% federal + 5.75% VA state + 7.65% FICA = 35.4%. Your effective tax rate is your total tax divided by your gross income — about 23.5% at $75,000 in Virginia. The effective rate is lower because it blends the lower rates you pay on your first dollars of income and accounts for the standard deduction. The calculator shows your effective rate in the results.
For federal withholding, complete IRS Form W-4: Step 1 (personal info), Step 2 (multiple jobs/spouse income), Step 3 (dependents), Step 4 (extra withholding or deductions). For Virginia state withholding, complete Form VA-4 and give it to your employer — this controls how much Virginia income tax is withheld each paycheck. If you are a Virginia resident working in DC, also submit Form D-4A to your DC employer; if working in Maryland, submit Form MW507. DMV commuters who have submitted these forms should have only Virginia tax withheld.
Explore these related state paycheck calculators to compare your take-home pay across state lines.
We calculate your Virginia paycheck using the exact formulas from the IRS, SSA, and the Virginia Department of Taxation. Here is the step-by-step process:
Official Data Sources (2026):