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Free Michigan Tax Calculator

Calculate your 2026 Michigan take-home pay after 4.25% flat state tax, federal tax & FICA. $5,500 personal exemption. No sign-up.

Last reviewed: January 2026 · Tax data verified against IRS Publication 15-T & state revenue departments

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How This Calculator Works

Michigan charges a flat 4.25% income tax rate for 2026. Simple, predictable, and easy to calculate. Michigan offers a $5,500 personal exemption for single filers and $11,000 for married filing jointly, which comes off the top before the 4.25% applies. On a $75,000 salary (single), you're taxed on $69,500 after the exemption, which comes to $2,953.75 in state tax.

On top of Michigan state tax, the city of Detroit levies its own income tax: 2.4% for residents and 1.2% for non-residents working in the city. A few other Michigan cities also have local income taxes (Grand Rapids at 1.5% for residents, for example), but most of the state doesn't. If you're outside those cities, it's just the 4.25% flat rate plus federal and FICA.

Michigan doesn't tax Social Security benefits, and military pensions are fully exempt. Property taxes average about 1.38%, which is somewhat high. The state sales tax is 6% with no local add-ons (Michigan is one of the few states that doesn't allow local sales taxes). At 4.25%, Michigan's rate sits between Illinois (4.95%) and Pennsylvania (3.07%). Use the relocation calculator to compare for your salary.

How It's Calculated

Formula

MI State Tax = (Gross Income − Personal Exemption) × 4.25%

Step-by-Step

  1. 1Subtract MI personal exemption ($5,500 single / $11,000 married) from gross income
  2. 2Apply MI flat 4.25% rate to state taxable income
  3. 3Add city income tax if applicable (Detroit 2.4% for residents)
  4. 4Add federal tax (10%–37% progressive brackets) and FICA (7.65%)
  5. 5Sum all taxes and subtract from gross pay for net take-home

Example

$75,000 salary, single in MI: MI exemption $5,500. MI taxable = $69,500. MI tax = $2,954. Federal ≈ $7,670. FICA = $5,738. Net ≈ $58,638.

For detailed data sources and full methodology, see our Methodology & Data Sources page.

Key Rates & Data for 2026

MI Flat Tax Rate

4.25%

MI Personal Exemption

$5,500

Detroit City Tax (Residents)

2.4%

MI Avg Property Tax Rate

~1.38%

MI State Sales Tax

6% (no local)

Michigan Tax Calculator FAQ

How much is Michigan state income tax in 2026?

Michigan uses a flat 4.25% income tax rate on all taxable income. Unlike most states with progressive brackets, every dollar above your personal exemption is taxed at the same rate whether you make $30K or $300K. It's similar to Illinois (4.95%) and Indiana (3.05%) — the Great Lakes region likes its flat taxes.

What is the Michigan personal exemption for 2026?

$5,500 per person for single filers and head of household, $11,000 for married filing jointly (that's $5,500 per spouse). This gets subtracted from your gross income before applying the 4.25% rate. So on a $75K salary as a single filer, you're taxed on $69,500 — works out to about $2,954 in state tax. It's more generous than Illinois's $2,775 exemption but doesn't come close to a standard deduction.

Does Michigan have a standard deduction?

Nope. Michigan doesn't offer a standard deduction at all. The personal exemption is the only break you get before the flat rate kicks in. Compare that to Georgia which offers both a $5,400 standard deduction AND a $2,700 personal exemption for single filers. Michigan's approach is simpler but less generous for most taxpayers.

What is the Detroit city income tax?

If you live or work in Detroit, there's an additional city income tax on top of the state tax. Detroit residents pay 2.4% on all income, while non-residents who work in Detroit pay 1.2% on income earned within the city. Several other Michigan cities also levy local income taxes — Grand Rapids, Lansing, and Flint among them. These city taxes are NOT included in this calculator, so if you're in one of those cities, your actual tax burden will be higher.

Does Michigan tax Social Security benefits?

No, Michigan does not tax Social Security benefits. The state also exempts most pension income and retirement distributions for residents 59½ and older, including 401(k) and IRA withdrawals. That makes Michigan surprisingly retiree-friendly from an income tax perspective, despite the 4.25% rate on other income.

How does Michigan compare to neighboring states for taxes?

Michigan's 4.25% flat rate is lower than Illinois's 4.95% but higher than Indiana's 3.05% (plus Indiana's county taxes). Ohio uses progressive brackets from 2.765% to 3.99%, and Wisconsin tops out at 7.65%. Michigan sits in the middle — not the cheapest, not the most expensive in the Midwest. Property taxes are moderate (about 1.54% average effective rate) and the 6% state sales tax is reasonable, though Michigan doesn't allow local sales tax add-ons.

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<a href="https://thetaxcalc.com/michigan-tax-calculator" title="Michigan Tax Calculator 2026 | 4.25% Flat Rate">Michigan Tax Calculator 2026 | 4.25% Flat Rate</a>

Compare with Other States

Illinois(4.95%)Texas(0%)Florida(0%)California(1%–13.3%)New York(4%–10.9%)Georgia(5.49%)Virginia(2%–5.75%)North Carolina(4.5%)Pennsylvania(3.07%)Ohio(0%–3.99%)New Jersey(1.4%–10.75%)Colorado(4.4%)Arizona(2.5%)Washington(0%)Massachusetts(5%/9%)Indiana(3.05%)Tennessee(0%)Missouri(2%–4.8%)Maryland(2%–5.75%)Wisconsin(3.54%–7.65%)Minnesota(5.35%–9.85%)Oregon(4.75%–9.9%)All State Comparisons →

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