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Mississippi Paycheck & Salary Calculator

Mississippi levies a flat 4.0% state income tax rate on taxable income above the state exemption threshold. Enter your salary or hourly rate below to calculate your exact take-home pay.

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Net Distribution

Estimated net take-home pay breakdown

Estimated Net Take-Home (Bi-Weekly)● Verified Math
$0.00
Gross Earnings$0.00
Total Taxes-$0.00
Effective Rate0.0%
Gross Earnings$0.00
Pre-Tax Benefits (401k, Health)-$0.00
Federal Income Tax-$0.00
Social Security (6.2% OASDI)-$0.00
Medicare (1.45%+ HI)-$0.00
Mississippi State Income Tax-$0.00
Post-Tax Deductions-$0.00

💡 Mississippi Tax Projection: Calculating state withholding...

Sarah Jenkins, CPA✓
🛡ī¸ IRS Pub 15-T AuditedTax Year 2026 Verified
Reviewed & Tax-Verified by Sarah Jenkins, CPA— Chief Tax Architect

Paycheck withholding formulas, FICA thresholds, and statutory Mississippi tax rates are independently reviewed for penny-perfect accuracy against IRS Publication 15-T and official state revenue department withholding tables. Learn more on our Editorial & Methodology page.

How Your Mississippi Paycheck Is Calculated

Mississippi levies a flat 4.0% state income tax rate on taxable income above the exemption threshold, according to the Mississippi Department of Revenue (DOR). Enacted under the Mississippi Tax Freedom Act of 2022 (HB 531), Mississippi eliminated its legacy 4% and 5% progressive tax tiers in favor of a single 4.0% flat tax rate applied to net taxable income over $10,000.

💡 How This Calculator Works for Mississippi

Our payroll engine specifically models Mississippi's unique flat tax rules for 2026. Here's exactly how we get your net pay:

  1. Gross Income: We start with your total annualized wages or hourly rate multiplied by your standard hours.
  2. Federal Deductions: We calculate federal income tax based on the latest IRS brackets and subtract 7.65% for FICA (6.2% Social Security up to the $176,100 wage base, and 1.45% Medicare).
  3. State Exemptions: We apply Mississippi's generous state personal exemptions ($6,000 for single filers or $12,000 for married couples) to determine your true taxable state income.
  4. State Tax: We multiply your remaining taxable income by the flat 4.0% rate.
  5. Net Pay: We subtract all taxes from your gross pay to show your exact guaranteed take-home amount for the pay period.

Form 89-350: Mississippi Employee Withholding Exemption Certificate

Your employer calculates state income tax withholding using Mississippi Form 89-350. Mississippi offers generous state personal exemptions: $6,000 for single filers, $12,000 for married couples filing jointly, and $1,500 for each eligible dependent child. Accurately filling out Form 89-350 ensures that too much tax isn't withheld from your paycheck during the year.

What Gets Deducted From a Mississippi Paycheck?

Here is the full breakdown of mandatory withholdings on a Mississippi pay stub:

  • Federal income tax — withheld based on your W-4 filing status and progressive brackets (10% to 37%). The IRS 2026 inflation adjustments set the standard deduction at $16,100 (single) or $32,200 (joint).
  • Mississippi State Income Tax (4.0% flat) — calculated on taxable Mississippi income exceeding Form 89-350 exemptions.
  • Social Security (OASDI) — 6.2% on wages up to $176,100.
  • Medicare — 1.45% on all wages, plus 0.9% Additional Medicare Tax on earnings over $200,000 (single) / $250,000 (joint).
  • Voluntary pre-tax deductions — 401(k) or 403(b) contributions (up to $24,500 in 2026), employer health insurance premiums, HSA, and FSA.

Note: No municipal or county wage taxes exist anywhere in Mississippi. Cities like Jackson, Gulfport, Biloxi, Southaven, and Hattiesburg cannot levy local employee income taxes.

How Much of Your Mississippi Salary Do You Actually Keep?

Most Mississippi workers take home 73–80% of their gross salary, depending on federal bracket and benefit elections. For workers in Jackson Metro (state government, healthcare UMMC, telecommunications), Gulf Coast / Gulfport & Biloxi (defense shipbuilding Huntington Ingalls, gaming/casinos, aerospace NASA Stennis Space Center), North Mississippi / Southaven & Tupelo (logistics, furniture manufacturing, Toyota Blue Springs plant), and Hattiesburg, Mississippi's flat 4.0% rate and $6,000/$12,000 exemptions provide excellent take-home efficiency.

On a $70,000 salary, a Mississippi worker keeps approximately $1,800–$3,500 more per year than a worker earning the same gross in high-tax states. Want to analyze your gross-to-net breakdown? Read our guide on gross pay vs. net pay or see why your paycheck is lower than your salary.

Mississippi Paycheck Strategies: Maximize Your Take-Home Pay

Mississippi's flat 4.0% state income tax and generous personal exemptions ($6,000 single / $12,000 joint) shape net pay across Jackson, Gulfport, Biloxi, Southaven, Hattiesburg, and Tupelo. Here's how to maximize your net earnings:

  • Claim full Form 89-350 exemptions. Verify that your employer has your Form 89-350 accurately logged with your marital status ($6,000 single / $12,000 joint) and dependent allowances ($1,500 each) to prevent over-withholding.
  • Max out your 401(k) or 403(b). Pre-tax 401(k) contributions (up to $24,500 in 2026, or $32,500 if 50+) reduce BOTH your federal taxable income and your Mississippi 4.0% state taxable base. On a $10,000 pre-tax contribution, you save $400 in Mississippi state tax alone plus $2,200 in federal tax (22% bracket). See IRS 2026 contribution limits.
  • Fund an HSA for triple tax savings. HSA contributions ($4,400 self-only / $8,750 family in 2026) bypass federal tax, Mississippi 4.0% state tax, and 7.65% FICA payroll taxes.
  • Claim the overtime deduction. The 2026 federal overtime deduction (One Big Beautiful Bill Act) lets non-exempt workers deduct the premium portion of overtime pay. This offers major tax savings for Mississippi's defense shipbuilding (Huntington Ingalls), gaming/hospitality, automotive (Toyota), logistics, and healthcare workforces. See our no-tax-on-overtime guide or calculate savings with our No Tax on Overtime Calculator.
  • Audit your pay stub regularly. Confirm that no unauthorized local wage taxes are deducted (Mississippi cities cannot levy local income taxes). Use our step-by-step pay stub guide to check your check in under three minutes.

Calculating overtime or bonus pay in Mississippi? Try our Overtime Calculator, Time & Half Calculator, or Bonus Tax Calculator. Expecting a raise? Use our Raise Calculator to see your net bump, or compare Mississippi with Tennessee, Alabama, and Louisiana on our 50-State Calculator.

Mississippi Annual Salary Take-Home Breakdown (Single Filer)

Comparison of gross annual salaries to net spendable income in Mississippi across standard compensation tiers

Gross Annual SalaryMonthly GrossBi-Weekly GrossEst. Annual Fed TaxAnnual FICA TaxMississippi State TaxEst. Net Annual Take-Home
$50,000$4,166.67$1,923.08-$3,829.50-$3,825.00-$2,000.00$40,345.50
$75,000$6,250.00$2,884.62-$7,872.00-$5,737.50-$3,000.00$58,390.50
$100,000$8,333.33$3,846.15-$13,372.00-$7,650.00-$4,000.00$74,978.00
$125,000$10,416.67$4,807.69-$18,983.00-$9,562.50-$5,000.00$91,454.50
$150,000$12,500.00$5,769.23-$24,983.00-$11,475.00-$6,000.00$107,542.00
$200,000$16,666.67$7,692.31-$36,983.00-$13,818.20-$8,000.00$141,198.80
$250,000$20,833.33$9,615.38-$51,911.00-$14,993.20-$10,000.00$173,095.80

*Calculations assume standard IRS 2026 single filer standard deduction ($16,100) with no pre-tax retirement or health insurance deductions. State tax withholding is estimated using official Mississippi statutory tax rates.

Frequently Asked Questions

Expert payroll insights for employees residing or working in Mississippi

Does Mississippi levy a state income tax on individual wages?

Yes, Mississippi collects state income taxes from individual wage earners.

What is a good annual salary in Mississippi?

In Mississippi, a comfortable salary depends heavily on local housing costs and lifestyle. Generally, an individual earning between $70,000 and $95,000 annually can live comfortably in most metropolitan areas of Mississippi. For families or households in high-cost urban centers, a household income exceeding $125,000 is often recommended to maintain strong savings rates while covering state-specific living expenses.

How much is a $100,000 salary after taxes in Mississippi?

On a $100,000 annual salary as a single filer in Mississippi, your mandatory federal withholdings consist of approximately $13,600 in Federal Income Tax and $7,650 in FICA (Social Security and Medicare). Additionally, Mississippi state income tax will apply based on progressive state brackets. Your resulting take-home pay will be roughly $78,750 per year (or ~$3,028 bi-weekly) before any pre-tax 401(k) or health insurance deductions.

What are the exact FICA Social Security and Medicare withholding rates in Mississippi?

Federal payroll taxes apply uniformly across Mississippi and the entire United States. For Tax Year 2026, employees pay 6.2% for Social Security on annual earnings up to statutory wage cap of $176,100. Standard Medicare withholding is 1.45% on all earnings, with an additional 0.9% surtax applied to high-income wages exceeding $200,000 (single) or $250,000 (joint).

Are there local city or municipal wage taxes in Mississippi?

Mississippi does not impose local municipal wage income taxes.

What is the income tax rate on salaries in Mississippi?

Salaries in Mississippi are subject to state income tax withholding in addition to federal taxes. Mississippi applies statutory state brackets to your taxable wages after accounting for state standard deductions and personal exemptions.

How can I legally maximize my per-paycheck net distribution in Mississippi?

The most effective payroll wealth strategy is utilizing pre-tax employer benefits. Contributing to a traditional 401(k), 403(b), or Health Savings Account (HSA) directly reduces your Federal Adjusted Gross Income (AGI). Furthermore, accurately updating your IRS Form W-4 Step 3 ensures you receive immediate per-paycheck Child Tax Credit (CTC) allowances.

Does overtime pay get taxed at a higher rate on my Mississippi paycheck?

Overtime wages are taxed according to the exact same federal percentage withholding brackets as regular wages. However, because overtime inflates your gross earnings for that specific pay period, automated payroll software may project your annualized salary into a higher tax bracket, resulting in a temporarily elevated withholding percentage for that single check.

How do bonuses and commissions affect my salary tax rate in Mississippi?

While supplemental bonuses and sales commissions are part of your total W-2 salary, they are subject to special IRS withholding rules. For federal purposes, supplemental wages under $1,000,000 are withheld at a mandatory flat rate of 22%, plus standard 7.65% FICA taxes. In Mississippi, supplemental bonuses also face state supplemental withholding rates.

How can I lower my taxes on a high salary in Mississippi?

High-income earners in Mississippi can significantly reduce their tax burden by maximizing above-the-line and pre-tax payroll deductions. Contributing the maximum allowable $24,500 in 2026 (or $32,500 if age 50+, or $35,750 if age 60–63) to a pre-tax workplace 401(k) or 403(b) directly lowers your taxable W-2 salary. Additionally, funding a Health Savings Account (HSA) provides triple-tax-free savings that bypass both federal income tax and FICA payroll taxes.

Are pre-tax health insurance premiums exempt from FICA taxes?

Yes! Unlike traditional Section 401(k) retirement contributions (which are exempt from federal income tax but remain subject to 7.65% FICA taxes), employer Section 125 cafeteria medical insurance premiums are completely exempt from Federal income tax, Social Security, and Medicare taxes.

What is the difference between salaried exempt and salaried non-exempt in Mississippi?

In Mississippi, salaried exempt employees receive a guaranteed annual salary and are not eligible for overtime pay under the Fair Labor Standards Act (FLSA), provided their duties meet professional or administrative exemption criteria. Salaried non-exempt employees earn a base salary but must still be paid 1.5 times their regular hourly rate for any hours worked over 40 in a workweek.