Mississippi paycheck taxes at a glance
| Income tax on wages | Progressive, 0% – 4% |
|---|---|
| Standard deduction | $2,300 single · $4,600 married filing jointly |
| Personal exemption | $6,000 single · $12,000 joint · $1,500 per dependent |
| Minimum wage (2026) | $7.25 an hour (Mississippi has no state minimum wage law, so the federal rate applies) |
2026 Mississippi income tax brackets (single filers)
| Taxable income | Rate |
|---|---|
| $0 – $9,999 | 0% |
| $10,000 and up | 4% |
Example: a $59,300 salary in Mississippi
The median household income in Mississippi is about $59,346 (2025 data). Here's what one earner with that salary, paid every two weeks, filing single with no pre-tax deductions, would see on each paycheck in 2026:
| Gross pay | $2,280.77 |
|---|---|
| Federal income tax | −$189.85 |
| Social Security | −$141.41 |
| Medicare | −$33.07 |
| Mississippi income tax | −$63.08 |
| Take-home pay | $1,853.37 |
That's $48,188 a year in take-home pay, or 18.7% of gross pay going to taxes.
Take-home pay by salary in Mississippi
Single filer, paid biweekly, standard W-4, no pre-tax deductions:
| Salary | Per paycheck | Per year | State taxes | Total tax rate |
|---|---|---|---|---|
| $40,000 | $1,286.62 | $33,452 | $868 | 16.4% |
| $60,000 | $1,873.92 | $48,722 | $1,668 | 18.8% |
| $80,000 | $2,409.31 | $62,642 | $2,468 | 21.7% |
| $100,000 | $2,919.69 | $75,912 | $3,268 | 24.1% |
| $150,000 | $4,173.96 | $108,523 | $5,268 | 27.7% |
| $200,000 | $5,448.42 | $141,659 | $7,268 | 29.2% |
What changed for 2026
- The tax rate on taxable income above $10,000 fell from 4.4% to 4.0%, the final step of the schedule set by a 2022 law.
- A 2025 law (HB 1) continues the cuts: 3.75% in 2027, 3.5% in 2028, 3.25% in 2029 and 3% in 2030. From 2031, further cuts can follow if state revenue meets set targets.
Mississippi pay rules worth knowing
- Mississippi's pay-frequency law covers only certain employers, according to the U.S. Department of Labor. Manufacturers with 50 or more employees and public service corporations must pay at least every two weeks or twice a month. Other employers aren't covered by a state rule.
- Because there's no state minimum wage, tipped employees covered by federal law can be paid a cash wage of $2.13 an hour, as long as tips bring them up to $7.25.
How Mississippi figures your tax
Mississippi’s income tax starts with three subtractions from your wages:
- A standard deduction: $2,300 for single filers, $4,600 for married couples filing jointly and $3,400 for heads of family.
- A personal exemption: $6,000 for single filers and $12,000 for married couples, with a larger amount for heads of family.
- A dependent exemption of $1,500 for each dependent.
Then the first $10,000 of what’s left is taxed at 0%, and the rest at 4%. For a single filer with no dependents, that means no Mississippi income tax on the first $18,300 of wages. Above that, every extra dollar costs 4 cents in state tax.
A rate that keeps falling
Mississippi has been cutting its income tax in steps. A 2022 law lowered the rate above $10,000 a little each year, reaching 4% for 2026. A 2025 law, HB 1, picks up from there:
| Tax year | Rate above $10,000 |
|---|---|
| 2025 | 4.4% |
| 2026 | 4.0% |
| 2027 | 3.75% |
| 2028 | 3.5% |
| 2029 | 3.25% |
| 2030 | 3.0% |
From 2031, the law allows further cuts each year, but only if state revenue grows enough to meet set targets. Nothing past 2030 is guaranteed.
Two-earner couples
Mississippi’s $10,000 zero bracket applies to each spouse’s taxable income separately when a couple files jointly. If you both work, your household’s Mississippi tax will usually be lower than the calculator shows, because the calculator treats a married couple as a single earner with one zero bracket. Check your Mississippi withholding certificate, Form 89-350, with your employer so the exemptions you claim match your household.
No state minimum wage
Mississippi has no minimum wage law of its own, so the federal $7.25 applies to employers covered by federal law. Its median household income was the lowest of any state in the Census Bureau’s 2025 data. The zero bracket and exemptions mean that a large part of a typical Mississippi paycheck isn’t taxed by the state at all.
The salary calculator converts hourly pay to annual figures, and the income tax calculator estimates your full-year federal tax.
Estimates only. Your employer’s payroll system, your W-4 and your Form 89-350 determine your actual paycheck.
How we calculate: Married couples are modeled as one earner; when both spouses work, each can use the 0% band on their first $10,000, which lowers tax.
Sources
- U.S. Department of Labor: State minimum wage laws
- U.S. Department of Labor: Minimum wages for tipped employees
- U.S. Department of Labor: State payday requirements
- Mississippi Department of Revenue: General information (rates by year)
- Mississippi Department of Revenue: 2025 legislation (HB 1)
- Mississippi Department of Revenue: Individual income tax FAQs
- Mississippi Department of Revenue: 2026 withholding guide (Pub 89-700)
- Census Bureau: Household Income in States and Metropolitan Areas, 2025
- dor.ms.gov
- dor.ms.gov
- IRS Publication 15-T (federal withholding)
Frequently asked questions
What is Mississippi's income tax rate in 2026?
The first $10,000 of taxable income is taxed at 0%, and everything above it at 4%. For 2025 the rate above $10,000 was 4.4%, and it's scheduled to fall to 3.75% for 2027.
How much does the 2026 rate cut save?
About 0.4% of your taxable income above $10,000. In the calculator, a single filer earning $40,000 pays about $87 less Mississippi tax for 2026 than at the 2025 rate, and someone earning $100,000 about $327 less.
My spouse and I both work. Do we each get the $10,000 zero bracket?
Yes. Mississippi's Department of Revenue says that on a joint return, the first $10,000 of each spouse's taxable income is exempt. The calculator treats a married couple as one earner, so a two-earner couple may owe less than it shows.
I live in Mississippi and work in another state. Is there a reciprocity agreement?
No. Mississippi has no reciprocity agreements. If another state taxes your wages, you can claim a credit on your Mississippi return for the tax you paid there.
Does Mississippi have a minimum wage?
No. Mississippi has no state minimum wage law, so employers covered by the federal Fair Labor Standards Act must pay at least $7.25 an hour.
Facts verified November 6, 2026. Estimates only; your employer's payroll system and your W-4 determine your actual withholding.