Arizona vs North Dakota Paycheck Comparison 2026

Annual salary

$

Annual salary

$
Additional options (filing status, deductions)
Filing status
$
$

You take home $246/yr more in North Dakota

$20/mo · $9/paycheck more

Arizona
North Dakota

$59,718/yr in Arizona vs $59,963/yr in North Dakota.

Arizona

Take-home per paycheck

$2,296.83

$59,718/yr · 26x/yr

Federal tax$7,67010%
State tax$1,8753%
Social Security$4,6506%
Medicare$1,0881%
Take-home$59,71880%
Tax rates
Effective: 20.4%Marginal fed: 22.0%Marginal state: 2.5%

North Dakota

Take-home per paycheck

$2,306.29

$59,963/yr · 26x/yr

Federal tax$7,67010%
State tax$1,6292%
Social Security$4,6506%
Medicare$1,0881%
Take-home$59,96380%
Tax rates
Effective: 20.0%Marginal fed: 22.0%Marginal state: 2.5%

Cost of living comparison

Cost of living in Arizona is 21% higher than in North Dakota.

At a $75,000 salary, take-home pay of $59,718 in Arizona has the purchasing power of $72,303 in North Dakota terms.

After adjusting for cost of living, Arizona comes out ahead by $12,340/yr.

Housing
Median home$395,000vs$255,000
Arizona
55% more
North Dakota
Avg 2BR rent$1,782/movs$1,060/mo
Arizona
68% more
North Dakota
Groceries
Index
Arizona
5% more
North Dakota
Transportation
Regular gas$3.97/galvs$3.08/gal
Arizona
29% more
North Dakota
Utilities
Electric bill$113/movs$70/mo
Arizona
61% more
North Dakota
Healthcare
Index
Arizona
North Dakota
16% more
Childcare & Misc
Infant childcare$15,625/yrvs$12,373/yr
Arizona
26% more
North Dakota

Estimate based on 2026 tax rates and standard deductions. Does not include local taxes, itemized deductions, tax credits, or other individual circumstances.

Tax system comparison

Arizona: Arizona has a flat state income tax of 2.50%. All taxable income is taxed at the same rate.

North Dakota: North Dakota uses a progressive income tax with 3 brackets ranging from 1.95% to 2.90%.

Take-home pay at different salaries (single filer, 2026)

Salary Arizona take-home North Dakota take-home Difference
$50,000 $41,105 $41,351 -$246
$75,000 $59,718 $59,963 -$246
$100,000 $76,680 $76,926 -$246
$150,000 $110,041 $110,287 -$246
$200,000 $143,927 $144,173 -$246
$300,000 $207,677 $207,627 + $50

Positive values mean higher take-home in Arizona. Assumes single filer, no deductions.

FAQ

Which state has lower taxes, Arizona or North Dakota?

At a $100,000 salary, North Dakota results in $246 more annual take-home pay. Arizona has a flat state income tax of 2.50%. All taxable income is taxed at the same rate. North Dakota uses a progressive income tax with 3 brackets ranging from 1.95% to 2.90%.

How much more do you take home in North Dakota vs the other state?

The difference depends on salary. At $50,000, the gap is $246/yr. At $150,000, it grows to $246/yr. At $300,000, the difference is $50/yr.

Do Arizona and North Dakota have the same federal taxes?

Yes. Federal income tax, Social Security, and Medicare are the same in every state. Only state income tax differs. This calculator shows the combined effect of federal and state taxes on your take-home pay.

Is it cheaper to live in Arizona or North Dakota?

North Dakota is cheaper to live in. Cost of living in Arizona is 6% higher than in North Dakota. Arizona's Regional Price Parity is 97.5 and North Dakota's is 91.6 (US average = 100).

Is North Dakota cheaper than Arizona?

Yes. North Dakota has a lower cost of living than Arizona (index 91.6 vs 97.5). Housing is typically the biggest difference between the two states.

Is Arizona more expensive than North Dakota?

Yes. Arizona has a higher cost of living (index 97.5) compared to North Dakota (index 91.6). The national average is 100. Housing costs are typically the largest driver of the difference.

After cost of living, which state is actually cheaper?

At a $100,000 salary, take-home pay of $76,680 in Arizona has the purchasing power of $81,619 in North Dakota terms. Conversely, $76,926 in North Dakota equals $72,271 in Arizona terms. After adjusting for both taxes and cost of living, Arizona comes out ahead.

Arizona vs North Dakota cost of living — what's the difference?

The overall cost of living is 6% different between Arizona and North Dakota. Living costs are about 3% below the national average Living costs are 8% below the national average After taxes and cost of living, Arizona gives you more purchasing power on a $100,000 salary.

Do I need to file state tax returns in both Arizona and North Dakota?

Arizona requires residents to file a state income tax return annually, typically due April 15. North Dakota requires residents to file a state income tax return annually, typically due April 15. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there. Each state has its own tax return form — check your state's department of revenue website for the correct form and e-filing options.

Related tools

Arizona Paycheck Estimator · North Dakota Paycheck Estimator · All states