Utah Income Tax Calculator
Calculate your total tax burden in Utah. See UT state income tax (4.65% top rate), federal tax, and FICA combined. Free, instant, private.
The state of Utah uses a flat 4.65% state income tax on all taxable income in 2026. State standard deduction: $0 single / $0 married. Plus federal income tax (10%-37% across 7 brackets) and FICA (Social Security 6.2%, Medicare 1.45%). Property tax averages 0.57% and sales tax averages 7.19%. Flat 4.65%. Uses federal AGI. Taxpayer tax credit creates effective 0% bracket. Low property taxes. Earmarked for education.
Utah Income Tax Calculator
Pre-filled with Utah median: $86,833
Your Total Tax Burden
$21,398
Take-Home: $65,435 · Effective Rate: 24.6%
Federal Tax
$10,717
12.3% eff.
UT State Tax
$4,038
4.7% eff.
FICA
$6,643
7.6% eff.
Take-Home
$65,435
75.4% kept
Tax Breakdown
Utah Tax Bracket Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $86,833.00 | $7,236.08 |
| Federal Income Tax | -$10,717.26 | -$893.11 |
| Utah State Tax | -$4,037.73 | -$336.48 |
| Social Security (6.2%) | -$5,383.65 | -$448.64 |
| Medicare (1.45%) | -$1,259.08 | -$104.92 |
| Take-Home Pay | $65,435.28 | $5,452.94 |
Marginal Tax Rate
4.65%
UT state only
Effective Tax Rate
24.6%
All taxes combined
Utah Tax System Overview
Utah has a flat 4.65% income tax earmarked for education. Uses federal AGI with a taxpayer tax credit that creates an effective 0% bracket for lower incomes. Property taxes low at 0.57%.
Top Income Tax
4.65%
Property Tax
0.57%
Sales Tax (Avg)
7.19%
Median Income
$86,833
Other Taxes in Utah
Capital Gains Tax
Taxed as regular income at 4.65%
Property Tax
Average effective rate of 0.57%. On a $300,000 home, this equals approximately $1,710 per year, or $142 per month.
Sales Tax
State rate of 6.1%, with a combined average of 7.19% including local taxes.
Filing Tips for Utah
Taxpayer tax credit reduces effective rate for lower incomes. Federal AGI is starting point. Retirement income credits available. Low property taxes benefit homeowners.
- Maximize pre-tax contributions to 401(k) ($23,500 limit in 2026, $31,000 if 50+) to reduce both federal and UT state taxable income.
- Use an HSA if you have a high-deductible health plan. Contributions ($4,400 individual, $8,750 family) are pre-tax and reduce your tax burden.
- Review your W-4. If you regularly get large refunds, adjust your withholding to keep more money in each paycheck throughout the year.
Compare Utah to Nearby States
If you lived in a neighboring state instead, here is how your state tax would change on $86,833 income:
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Frequently Asked Questions
What is the income tax rate in Utah?
Utah has a flat income tax rate of 4.65%. This means all taxable income is taxed at the same rate regardless of how much you earn. Flat 4.65%. Uses federal AGI. Taxpayer tax credit creates effective 0% bracket. Low property taxes. Earmarked for education.
How much state tax will I pay in Utah on $86,833?
On income of $86,833 filing single in Utah, you would pay approximately $4,038 in state income tax (effective rate of 4.7%). This is after the state standard deduction of $0.
Does Utah tax capital gains?
Taxed as regular income at 4.65%. Capital gains treatment varies by state — some tax them as regular income while others offer exclusions or preferential rates.
How does Utah compare to neighboring states for taxes?
Utah's neighboring states include Idaho (5.8% top rate), Wyoming (no income tax), Colorado (4.4% top rate). Property tax rates, sales taxes, and cost of living should also be considered when comparing overall tax burden. Use the calculator above to compare your specific tax liability across states.
What is the Utah state income tax filing deadline for 2026?
Utah state income tax returns are due April 15, 2026 (matching the federal deadline). If April 15 falls on a weekend or holiday, the deadline shifts to the next business day. Extensions: Utah typically grants automatic 6-month extensions to October 15, 2026, but tax owed must still be paid by April 15 to avoid penalties.
Does Utah tax retirement income, Social Security, and pensions?
Utah taxes retirement income with state-specific exclusions. Social Security: only 11 states tax SS benefits in 2026 (CO, CT, KS, MN, MT, NM, RI, UT, VT, WV, MO partially); Utah's treatment varies. Pensions and 401(k)/IRA withdrawals are generally taxable as ordinary income at 4.65% top rate, with possible exclusions for federal/military pensions or low-income seniors. Check Utah's 2026 retirement income exclusion thresholds.
What deductions and credits are unique to Utah in 2026?
Utah offers standard deduction of $0 (single) / $0 (married). Additional state-specific items typically include: Utah-specific tax credits (e.g., property tax credit, education credit, EITC supplement if available), retirement income exclusions, and state-conformity to federal deductions like SALT cap, mortgage interest, charitable contributions. Check Utah's state tax form for the full list of state-specific credits in 2026.
If I work remotely in Utah for an out-of-state employer, what tax do I pay?
As a Utah resident working remotely for an out-of-state employer, the rules depend on reciprocity agreements. Reciprocity-pair states (PA-NJ, IL-IA, MI-OH, etc.) let you pay tax only to Utah. Without reciprocity, you may pay tax to BOTH states, then claim a credit on Utah's return for taxes paid to the work state. NY, PA-Philadelphia, and other "convenience of employer" jurisdictions can override these rules. Verify your employer's state tax setup.