State and local tax coverage

Pick your state and TakeHome IQ estimates your paycheck — all 50 states, Washington D.C., and Puerto Rico. On top of that: 3,600+ local jurisdictions, 614 Ohio school districts, 14 state withholding certificates you can fill in from your own paperwork, and the employee payroll programs (disability, paid leave, transit) that most calculators skip entirely. Everything below is an estimate, not a certification — and where coverage stops, this page says so.

Tax years

Federal withholding is available for 2025 and 2026, following IRS Publication 15-T for workers subject to standard U.S. withholding. State income-tax data is published for 2026. If you select 2025, the app uses the 2026 state tables and tells you so in the result:

2025 state tax uses 2026 rates. In some states, state withholding and net pay can differ noticeably.

Employee payroll programs are the exception and do not carry across years. Their rates reset every January 1 and can move sharply between years, so 2025 and 2026 each resolve against their own published dataset. When a program did not exist in a given year it is recorded as not in force rather than estimated.

State income tax

State selection is available for all 50 states, D.C., and Puerto Rico, and every state returns a withholding figure. State results are estimates based on the app's available 2026 jurisdiction data and what you entered; they are not a claim that every certificate, supplemental-payment, local, resident/work-state, or rounding branch is certified. Puerto Rico and the states with no individual income tax also have their own payroll and income-sourcing rules that may need review.

State withholding certificates

Most calculators ask only about the federal Form W-4. If your state has its own withholding certificate, TakeHome IQ lets you enter what actually appears on your copy — exemptions, allowances, deduction elections, and additional withholding — instead of inferring it from your federal form. Certificate entry is available for:

• Alabama A-4
• California DE 4
• Illinois IL-W-4
• Indiana WH-4
• Louisiana L-4
• Maryland MW507
• Massachusetts M-4
• Minnesota W-4MN
• New Jersey NJ-W4
• New Mexico
• New York IT-2104
• Puerto Rico 499 R-4.1
• South Carolina SC W-4
• Vermont W-4VT

When no certificate is on file, the app applies the default the state's own instructions tell the employer to use — which is often zero exemptions, not a favorable assumption. Certificate coverage is not a claim that every line, worksheet, or employer-specific method on those forms is modeled. Two limits worth naming:

• New Jersey NJ-W4 Line 3 (the wage-chart rate letter) is not captured. If your NJ-W4 uses a rate letter other than the default, your real withholding can differ from the estimate.
• Michigan MI-W4, Maine W-4ME, and Iowa IA W-4 have a real certificate value that the app currently treats as zero, with no screen to enter it. Zero is each state's lawful no-form position, so the number is defensible — but if you filed one of those forms, enter the difference as additional withholding or expect the estimate to run high.

Employee payroll programs

Disability, paid family and medical leave, and state transit premiums are the deductions people most often can't identify on their stub. In 11 states the employee share is modeled from each program's published rate and wage cap:

• CA SDI
• CO FAMLI
• CT PFML
• MA PFML
• MN PFML
• NJ TDI
• NJ FLI
• NJ SUI/WFD
• NY SDI
• NY PFL
• OR PFL
• OR Transit
• PR SDI
• RI TDI
• WA PFML
• WA Cares

Three more states work differently. In Hawaii (TDI), Delaware (Paid Leave) and Maine (PFML), each employer decides how much of the premium to withhold from the worker, so no single rate can be assumed. There, enter the amount printed on your stub and the app includes it in your result instead of guessing.

Local tax jurisdictions

Local income taxes can take a real bite out of your paycheck, especially in Ohio, Pennsylvania, and Maryland. The coverage below reflects the jurisdictions with a calculation available. Authoritative assignment by address, resident and non-resident credits, and special branches vary by jurisdiction and are not certified.

Ohio — 684 municipalities, 144 JEDD/JEDZ districts, 614 school districts

Municipal tax, JEDD/JEDZ district tax, and school-district tax are all selectable, every one of them from the state's published registers. Authoritative jurisdiction assignment by address, and the resident-credit interaction between the city you work in and the city you live in, are not certified.

Pennsylvania — 2,620 local tax areas

The complete Act 32 political-subdivision register is available for the Earned Income Tax, alongside the Local Services Tax. Authoritative address resolution, EIT/LST interactions, resident and non-resident credits, and Philadelphia exceptions are not certified.

Indiana — 92 counties

Every Indiana county rate is available and is entered alongside your WH-4. Authoritative county assignment and complete employer-method coverage are not certified.

Maryland — 24 jurisdictions

All 23 counties plus Baltimore City are available. Residence/work-county routing, reciprocity, and the annual-bonus and rounding branches are not certified for every county.

Michigan — 21 cities

• Albion
• Battle Creek
• Big Rapids
• Detroit
• East Lansing
• Flint
• Grand Rapids
• Hamtramck
• Highland Park
• Hudson
• Ionia
• Jackson
• Lansing
• Lapeer
• Muskegon
• Muskegon Heights
• Pontiac
• Port Huron
• Portland
• Saginaw
• Springfield

West Virginia — 6 municipal service fees

• Charleston
• Fairmont
• Huntington
• Morgantown
• Parkersburg
• Weirton

These are flat per-pay-period service fees, not percentage income taxes, and several have their own rules — Fairmont charges non-residents only, and Weirton changed its fee mid-2026. West Virginia publishes no statewide register of these fees, so a city that isn't listed is treated as unresolved rather than fee-free.

Oregon

• Metro SHS
• Multnomah County PFA

Both are optional for many employers, so the app asks whether you work inside the district rather than assuming withholding. The two boundaries are independent, so either, both, or neither can apply.

Colorado — Denver OPT

Denver's Occupational Privilege Tax is a flat monthly head tax that applies once you earn above the city's monthly threshold. Selecting Denver adds the employee portion; other Colorado municipalities with an OPT are not yet covered.

Delaware — Wilmington

Wilmington's earned income tax is available for both work-city and residence exposure. Outside Wilmington is your own explicit assertion, never inferred from a blank field.

Kentucky

• Louisville / Jefferson County
• Lexington / Fayette County
• Covington
• Bowling Green

Alabama — 32 localities

• Attalla
• Auburn
• Bear Creek
• Beaverton
• Bessemer
• Birmingham
• Brilliant
• Fairfield
• Gadsden
• Glencoe
• Goodwater
• Guin
• Hackleburg
• Haleyville
• Hamilton
• Hobson City
• Irondale
• Leeds
• Lynn
• Macon County
• Midfield
• Mosses
• Notasulga
• Opelika
• Rainbow City
• Red Bay
• Shorter
• Southside
• Sulligent
• Tarrant
• Tuskegee
• Wadley

All 32 have a scoped paycheck path. Nine of them use the exact occupational-tax amount your employer printed, because the app doesn't have enough current municipal authority to derive their rates or formulas independently — and several others ask you to confirm employee type or in-city work first. Alabama publishes no official statewide list, so a locality that isn't here is treated as unresolved rather than tax-free.

Missouri

• Kansas City
• St. Louis City

New York

• New York City
• Yonkers

What's next

Local tax coverage keeps growing. If your city or county isn't listed, email support@takehomeiq.com and request a specific jurisdiction — we prioritize by demand.