Idaho taxes and cost of living (2026)
Idaho has a flat 0.00% income tax. A $100,000 salary is worth about $70,914 a year in national buying power after every tax and Idaho's prices, #25 of 51 (the state average is $70,397). Retiring on $50,000 a year takes about $1.25M, #23 lowest.
- State income tax
- 0.00%
- Sales tax (avg. combined)
- 6.03%
- Property tax (effective)
- 0.43%
- Cost of living
- 95.5
- US = 100
- Social Security taxed?
- No
- Median home
- $446K
Take-home pay in Idaho
Single filer, 10% of salary to a pre-tax 401(k), standard deduction, renting. All taxes include estimated sales tax.
| Salary | Federal | FICA | State + local | All-in tax rate | Take-home | In US dollars |
|---|---|---|---|---|---|---|
| $50,000 | $3,220 | $3,825 | $1,277 | 17.8% | $36,678 | $38,409 |
| $75,000 | $6,020 | $5,738 | $2,469 | 20.1% | $53,273 | $55,787 |
| $100,000 | $10,970 | $7,650 | $3,662 | 23.4% | $67,718 | $70,914 |
| $150,000 | $21,134 | $11,475 | $6,047 | 26.9% | $96,344 | $100,890 |
| $250,000 | $43,304 | $15,514 | $10,817 | 29.0% | $155,365 | $162,696 |
What it takes to retire in Idaho
Married couple, age 60, withdrawals 60% from 401(k)/IRA, 20% Roth, 20% brokerage, no Social Security yet, renting. Spending at US-average prices.
| Spending | At ID prices | Income taxes | All taxes | FI number |
|---|---|---|---|---|
| $40,000 | $38,198 | $0 | $898 | $954.9K |
| $60,000 | $57,296 | $232 | $1,579 | $1.44M |
| $80,000 | $76,395 | $2,194 | $3,991 | $1.96M |
| $120,000 | $114,593 | $6,651 | $9,346 | $3.03M |
Idaho tax rules at a glance
- Income tax: Idaho has a flat 0.00% income tax. 5.3% rate (set by HB 40 for 2025) unchanged for 2026. Effectively flat with a 0% band on the first ~$4,811 single / $9,622 MFJ of taxable income (2025 values; inflation-indexed, 2026 values not yet published). Uses the federal std deduction: HB 559 (Feb 2026) conformed to OBBBA, so $16,100 / $32,200 for 2026 (federal tips/overtime/senior deductions largely flow through). $205/child Idaho child tax credit expired after 2025. Grocery credit ~$155/person (refundable) not modeled.
- Local income tax: No local income taxes.
- Social Security: Not taxed. Social Security fully exempt.
- Retirement income: Retirement benefits deduction only for federal civil service (CSRS), military, Idaho firefighter and certain Idaho police pensions, generally age 65+ (62 if disabled). 2025 cap $48,216 single / $72,324 joint, reduced by Social Security received. Private pensions and IRA/401k fully taxable.
- Capital gains: Taxed at 5.3%; a 60% capital gains deduction applies only to qualifying Idaho real property and certain Idaho business property held 12-24+ months, not to stocks.
- Sales tax: 6.00% state rate, 6.03% average with local taxes; groceries taxed.
Compare Idaho with
Frequently asked questions
Does Idaho have a state income tax?
Idaho has a flat 0.00% income tax. 5.3% rate (set by HB 40 for 2025) unchanged for 2026. Effectively flat with a 0% band on the first ~$4,811 single / $9,622 MFJ of taxable income (2025 values; inflation-indexed, 2026 values not yet published). Uses the federal std deduction: HB 559 (Feb 2026) conformed to OBBBA, so $16,100 / $32,200 for 2026 (federal tips/overtime/senior deductions largely flow through). $205/child Idaho child tax credit expired after 2025. Grocery credit ~$155/person (refundable) not modeled.
How much is $100,000 after taxes in Idaho?
A single filer earning $100,000 who puts $10,000 in a 401(k) takes home about $67,718 after federal, state and local income taxes and payroll taxes, an all-in effective rate of 23.4% including estimated sales tax.
Does Idaho tax Social Security?
No. Idaho does not tax Social Security benefits. Social Security fully exempt.
How much do you need to retire in Idaho?
To spend $50,000 a year (at US-average prices) with withdrawals mostly from a 401(k)/IRA, you'd need about $1.25M in Idaho using the 4% rule, after its cost of living and taxes.
Is Idaho expensive to live in?
Idaho's cost of living index is 95.5, where the US average is 100 (BEA Regional Price Parities, 2024). The median home is worth about $446,400 and median rent is $1,384 a month.
How this is calculated
- Income taxes use 2026 federal and state brackets, standard deductions and personal exemptions or credits. No itemized deductions or other credits. Local income taxes use a typical statewide rate (for example, Maryland's county taxes or New York City's); many places have none.
- Payroll taxes include Social Security (6.2% up to the wage base), Medicare, and employee-paid state programs such as California SDI or Washington's paid leave premium. A married household salary is treated as two equal earners for payroll-tax caps.
- Cost of living uses the Bureau of Economic Analysis's Regional Price Parities (2024), where the US average is 100. Spending you enter at national prices is scaled by each state's index.
- Sales tax is estimated as the average combined state and local rate on about a third of spending (more where groceries are taxed). It is shown for context but not added to costs, because the price parities already include it. Property tax applies the state's effective rate to its median home value (Census ACS 2024) if you own.
- Retirement solves for the withdrawal that covers your spending plus the taxes it triggers, using each state's treatment of Social Security, retirement-account withdrawals and capital gains, then multiplies by 25 (a 4% withdrawal rate).
- Years to FI starts from zero, adds what you save each year in that state, and grows it at a 5% real return until it reaches that state's FI number.
Estimates for comparison, not tax advice. Your actual taxes depend on deductions, credits, where in the state you live and more. Sources: BEA Regional Price Parities, Census ACS, state sales tax rates, IRS, state revenue departments (per state).