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The break-even is $97,900: that's Arizona's version of a $100,000 Minnesota salary. Here's the same calculation at five income levels.
That's $2,100 less than what you earn now, after 2026 federal tax, state tax at both ends, and price levels of 98.6 in Minnesota against 100.7 in Arizona, where 100 is the national average.
Start with the paycheck, because that's the part that changes on day one. Minnesota and Arizona are 2.1 index points apart, and this time the destination is the expensive end by 2.1%.
Which means a $100,000 Minnesota salary is held by $97,900 in Arizona, and the $2,100 difference is yours to keep or to trade for something else.
Five income levels, each one run through the whole calculation twice. Single filer, standard deduction, 2026 brackets, and each state's own price level applied to what survives.
| Minnesota salary | Take-home there | Real value | Arizona salary to match | Difference |
|---|---|---|---|---|
| $60,000 | $47,833 | $48,513 | $59,700 | −$300 |
| $80,000 | $61,193 | $62,062 | $78,800 | −$1,200 |
| $100,000 | $73,903 | $74,953 | $97,900 | −$2,100 |
| $150,000 | $104,849 | $106,338 | $145,200 | −$4,800 |
| $200,000 | $136,060 | $137,992 | $192,800 | −$7,200 |
Real value is take-home pay divided by the state price level, which is BEA's own method for comparing incomes across places. It answers what a salary would buy in an average American state, so two very different places can be set side by side on the same terms.
| Salary | Minnesota | Arizona | Difference |
|---|---|---|---|
| $60,000 | $2,5574.3% | $1,2912.2% | −$1,265 |
| $80,000 | $3,9174.9% | $1,7912.2% | −$2,125 |
| $100,000 | $5,2775.3% | $2,2912.3% | −$2,985 |
| $150,000 | $8,9426.0% | $3,5412.4% | −$5,401 |
| $200,000 | $12,8676.4% | $4,7912.4% | −$8,076 |
Minnesota takes $5,277 of a $100,000 salary, an effective 5.3%. Arizona takes $2,291, or 2.3%. That's $3,000 a year less.
The gap grows with income: $1,265 at $60,000, $8,076 at $200,000. So if this move comes with a promotion attached, the tax side of it gets better rather than staying put.
Price parity is BEA's measure of what the same basket costs in different places, with 100 as the national average. Minnesota scores 98.6. Arizona scores 100.7, so the destination is the expensive one.
That's $1,400 a year at $100,000, and it's the line that catches people who moved for a tax saving without checking what came the other way.
One caveat that applies in both directions. A state figure is an average across every city, town and rural county in it, and the spread inside a big state is wider than the spread between most pairs of states. If you already know which metro you're moving to, the city-level pages are the more precise answer.
Hold the salary at $100,000 and move states. Federal tax and FICA don't change, so exactly two things do: what the state takes, and what things cost.
| Line | Minnesota | Arizona |
|---|---|---|
| Gross salary | $100,000 | $100,000 |
| Federal income tax | −$13,170 | −$13,170 |
| Social Security and Medicare | −$7,650 | −$7,650 |
| State income tax | −$5,277 | −$2,291 |
| Take-home pay | $73,903 | $76,889 |
| Adjusted for state prices (98.6 against 100.7) | $74,953 | $76,354 |
Net of everything, the same $100,000 is worth $1,400 more a year in Arizona. Of that, $3,000 is the state tax line and $1,600 is the price level. Those two are the entire difference, because everything else about a US paycheck is federal.
A state figure averages over every city and county in it, and the spread inside Arizona is wider than the gap between most pairs of states. If you already know where you're landing, these are the city-level numbers on a $100,000 salary.
Your salary, your two cities, the same federal price data. Takes about fifteen seconds.
Compare my citiesOn the same $100,000 salary you end up about $1,400 a year better off in Arizona. That's inside the range that a single change of neighbourhood or commute would swamp.
Which means this move doesn't decide itself on money. The break-even is $97,900, close enough to $100,000 that the rest of the decision is about everything the numbers don't cover.
One thing this page can't tell you: it assumes you buy roughly what an average household buys, and housing dominates that basket. If you own outright, carry a fixed mortgage, or split rent several ways, the price adjustment overstates your case in both directions. Minnesota and Arizona are averages, and averages hide neighbourhoods.
Send the whole thing to your inbox so you can come back to it, or forward it to whoever you're deciding this with. We'll also tell you in January when the 2027 tax brackets and federal price data land and every number here changes.
The breakdown, then about one email a year. No sales pitch, unsubscribe any time.About $97,900. That holds the same purchasing power once 2026 federal tax, Minnesota and Arizona state tax, mandatory state payroll taxes, and each state's price level have all been applied. At $60,000 the match is $59,700, and at $200,000 it's $192,800.
On a $100,000 salary, Minnesota takes $5,277 and Arizona takes $2,291, so you save about $2,985 a year. Both schedules are progressive, so the saving is a different number at a different income.
No. On the Bureau of Economic Analysis price parity index Arizona scores 100.7 against Minnesota at 98.6, so the same basket costs 2.1% more. These are statewide averages, and the spread inside a large state is wider than the gap between most pairs of states, so a specific metro can run against the state figure.
No. Everything on this page is a recurring annual figure: tax, price levels and purchasing power on an ongoing salary. A move also carries one-off costs, and this page states none of them because we hold no data on them and won't invent it.
Price levels are Regional Price Parities from the US Bureau of Economic Analysis, 2024 vintage, which is the federal government's official measure of geographic price differences. Tax figures are 2026 federal brackets from IRS Rev. Proc. 2025-32 plus each state's 2026 schedule. States whose 2026 figures could not be confirmed against a primary source do not get a page at all.