Take-home pay in New Jersey on a 2025 paycheck.
On a $80,000 single-filer salary, New Jersey keeps $61,761/yr after federal income tax, FICA, and New Jersey's state income tax (−$298 vs the 51-state average of $62,059).
New Jersey take-home at common income points
| Salary | Filing | Take-home | Effective rate |
|---|---|---|---|
| $50,000 | Single | $40,999 | 18.0% |
| $80,000 | Single | $61,761 | 22.8% |
| $80,000 | MFJ (2) | $66,748 | 16.6% |
| $150,000 | Single | $105,911 | 29.4% |
| $150,000 | MFJ (4) | $120,841 | 19.4% |
| $250,000 | Single | $169,007 | 32.4% |
Effective rate = total federal + FICA + state tax as a share of gross. Excludes pre-tax deductions, local tax, and SDI.
How New Jersey compares
On the standard $80,000 single-filer benchmark, New Jersey keeps $61,761 — $298 less than the 51-state average. The New Jersey top marginal individual income tax rate is 10.75%, and the state’s standard deduction for single filers is $0.00. For the live cross-state comparison and a state-locked “compare to” view, see the interactive paycheck map.
Top 5 New Jersey metros for paycheck comparison
Take-home is identical at the state level — but cost of living varies dramatically between Newark and the rest of New Jersey. Pick a metro to see paycheck vs cost-of-living together.
- Newarkpop 0.3M · COL 140median $37,200 →
- Jersey Citypop 0.3M · COL 155median $74,200 →
- Trentonpop 0.4M · COL 103median $62,000 →
- Elizabethpop 0.1M · COL 128median $48,500 →
- Atlantic Citypop 0.3M · COL 105median $38,500 →
More New Jersey metros coming as we expand city coverage.
New Jersey paycheck — common questions
What is the New Jersey state income tax rate in 2025?
New Jersey taxes individual income at marginal rates topping out at 10.75% on the highest bracket. The standard deduction for single filers is $0.00; for MFJ it is $0.00.
How much take-home will I have on $80,000 in New Jersey?
A single filer earning $80,000 in New Jersey takes home approximately $61,761/yr (77.2% of gross). A married couple filing jointly earning $80,000 takes home $66,748/yr due to the larger MFJ standard deduction. These figures exclude pre-tax 401(k), HSA, and health insurance contributions.
Are there any New Jersey-specific paycheck deductions I should know about?
NJ has SUI (0.425% on first $42,300), SDI (0.06% on first $161,400), FLI (0.06% on first $161,400) — three separate small employee deductions. Top income rate 10.75% on income over $1M.
Does New Jersey have local income taxes?
New Jersey does not impose city or county income taxes on residents (state-level withholding only).
Reviewed by CalcFi Editorial · Last verified against NJ Division of Taxation tax tables on 2026-04-19. Methodology + sources at /about/editorial.