Mississippi Paycheck Calculator

Mississippi does have a state income tax, and for 2025 it operates as a near-flat system: the first $10,000 of taxable income is exempt at 0%, and all income above that is taxed at a flat 4.4% rate. This structure is the result of the Build-Up Mississippi Act, which replaced the state's old three-bracket progressive system and has been cutting rates annually — the top rate dropped from 5% in 2023 to 4.7% in 2024 and now 4.4% for tax year 2025. Under legislation signed in March 2025, the rate is scheduled to fall further to 3% by 2030, contingent on revenue triggers.

For a single filer in 2025, Mississippi also provides a standard deduction of $2,300 and a personal exemption of $6,000, which reduce taxable income before applying the 0%/4.4% tiers. In practice, this means the first ~$18,300 of gross income faces no Mississippi state tax at all.

Compared to no-income-tax states like Florida, Texas, or Tennessee, Mississippi workers do see additional state withholding from each paycheck. However, with the $10,000 zero-rate tier and reasonable deductions, Mississippi's effective state rate on a middle-class salary is moderate — meaningfully lower than states like Oregon (9.9%) or California (9.3%). On top of state tax, federal income tax, Social Security (6.2%), and Medicare (1.45%) all apply to Mississippi workers the same as any other state.

Worked example — $75,000 salary, single filer: After subtracting the $2,300 standard deduction and $6,000 personal exemption, Mississippi taxable income is $66,700. The first $10,000 is taxed at 0%; the remaining $56,700 at 4.4% = $2,495 in Mississippi state income tax. Combined with approximately $8,800 in federal income tax and $5,738 in FICA, total deductions are roughly $17,000 — leaving a take-home of about $58,000/year (~$4,833/month).