Mississippi Paycheck Calculator
Estimate Mississippi take-home pay including federal, state, and FICA taxes, applying pre-tax deductions across common pay schedules accurately now for.
Mississippi Income Tax Rate
Mississippi taxes wages using brackets that have been simplified in recent reforms. Employers start from gross pay and subtract pre-tax benefits (traditional 401(k), Section 125 health premiums, HSA/FSA), then compute federal withholding, FICA, and Mississippi withholding using your state Form 89-350 elections and pay frequency. Supplemental wages like bonuses and commissions may be withheld using standard or aggregate methods. Mississippi does not levy separate city wage income taxes, so your primary income-tax layers are federal and state. The table shows the top or flat rate across the last decade to illustrate reductions that modestly increased typical take-home pay over time.
Year | Rate / Structure |
---|---|
2016 | 5.00% (graduated) |
2017 | 5.00% (graduated) |
2018 | 5.00% (graduated) |
2019 | 5.00% (graduated) |
2020 | 5.00% (graduated) |
2021 | 5.00% (graduated) |
2022 | 5.00% (with reduced lower bracket) |
2023 | 5.00% (simplified brackets) |
2024 | 5.00% (top rate) |
2025 | 4.70% (scheduled reduction) |
Mississippi Median Household Income
Mississippi’s median household income has trended upward, reflecting gains in healthcare, manufacturing, logistics, and professional services, alongside tourism and agriculture. Pandemic-era volatility slowed growth, but tighter labor markets supported subsequent increases. Figures below are nominal, directional benchmarks useful for budgeting and offer comparisons. For purchasing power, compare “real” (inflation-adjusted) dollars and weigh housing, transportation, childcare, and healthcare costs. Regional variation matters: metros like Jackson and Gulfport–Biloxi may exceed statewide medians, while many rural counties trend lower. Household size and employer benefits meaningfully affect how far a salary goes across Mississippi communities, so pair statewide estimates with current local data.
Year | Income |
---|---|
2016 | $42,000 |
2017 | $43,500 |
2018 | $45,100 |
2019 | $46,800 |
2020 | $47,300 |
2021 | $49,100 |
2022 | $50,900 |
2023 | $52,800 |
2024 | $54,100 |
2025 | $55,200 (prelim.) |
Mississippi Federal Insurance Contributions Act (FICA)
FICA funds Social Security and Medicare and applies to Mississippi wages like everywhere in the U.S. Employees pay 6.2% Social Security on wages up to the annual federal wage base (employers match) and 1.45% Medicare on all wages (also matched). High earners owe an additional 0.9% Medicare surtax above the federal threshold; employers do not match the surtax. Section 125 health premiums typically reduce both income-tax and FICA wages, while traditional 401(k) reduces income-tax wages but not FICA wages. Your pay stub normally lists Social Security, Medicare, federal income tax, and Mississippi income tax separately.
Mississippi Number of Cities with Local Income Taxes
Mississippi does not levy municipal wage income taxes. Some localities may charge fees for services, but there is no percent-of-wages city income tax on paychecks.
Locality | Resident Rate | Nonresident Rate |
---|---|---|
All Mississippi cities/counties | None | None |
How Your Mississippi Paycheck Works
Each pay period begins with gross wages. Payroll subtracts pre-tax benefits—traditional 401(k), HSA/FSA, commuter benefits, and pre-tax insurance—to reach taxable wages. Withholding then includes federal income tax (W-4), Social Security and Medicare (FICA), and Mississippi state income tax using your Mississippi withholding elections and pay frequency. Because there is no city wage tax, layers are simpler than in many states. Post-tax items—Roth 401(k), garnishments, union dues, charitable gifts—are taken after taxes and do not reduce taxable wages. Pay schedule (weekly, biweekly, semimonthly, monthly) changes per-check cash flow but not annual tax.
Mississippi Wage and Hour Laws: Overtime, Pay Frequency
Overtime: Mississippi follows the FLSA standard—most non-exempt employees earn 1.5× their regular rate for hours worked over 40 in a workweek; exemptions apply where duties and salary thresholds are met.
Pay frequency: Employers must set a regular payday and pay on consistent intervals; biweekly and semimonthly schedules are common. Final-pay timing and wage-statement requirements apply under state and federal law—review employer policy and any contract terms for specifics.
FAQs
How do I use the Mississippi Paycheck Calculator?
Enter gross pay, pay schedule, Mississippi withholding details, pre-tax benefits, and post-tax deductions to estimate federal, FICA, and state withholding.
What are Mississippi’s current income tax brackets?
Mississippi has simplified brackets with a 5% top rate recently, moving toward lower rates; see the 10-year table for context.
Do any Mississippi cities have a wage income tax?
No. Municipalities do not levy percent-of-wages income taxes; your paycheck reflects federal, FICA, and state withholding only.
How do pre-tax 401(k) and HSA contributions affect net pay?
They reduce taxable wages for income tax, increasing take-home pay; 401(k) does not reduce FICA, while many health premiums do.
Are bonuses taxed differently in Mississippi?
State withholding follows Mississippi tables; federally, employers may use percentage or aggregate methods for supplemental wages like bonuses.
Why did my Mississippi withholding change this year?
Rate updates, form changes, benefit elections, marital status, or supplemental pay can shift per-check withholding even at the same salary.
What appears on a Mississippi pay stub?
Typically federal tax, Social Security, Medicare, Mississippi income tax, pre-tax deductions, post-tax deductions, year-to-date totals, and net pay.
What is Mississippi’s minimum wage?
Mississippi follows the federal minimum unless changed by statute or employer policy; many employers pay above minimum to compete.
How often must I be paid in Mississippi?
Employers maintain a regular payday and consistent intervals—commonly biweekly or semimonthly—subject to wage-payment timing and statement rules.