What is the Connecticut state income tax rate?

Connecticut uses a progressive state income tax with seven brackets ranging from 2% to 6.99%. For single filers, the brackets begin at 2% on the first $10,000, then 4.5% to $50,000, 5.5% to $100,000, 6% to $200,000, 6.5% to $250,000, 6.9% to $500,000, and 6.99% on income above $500,000. Most middle-income workers fall in the 4.5% to 6% range, producing an effective state rate of roughly 4% to 5%. Connecticut is one of the higher-tax states in the Northeast, though not the highest — New York and New Jersey both exceed it at top brackets.

Does Connecticut have town property taxes?

Yes, and they are among the highest in the nation. Connecticut towns levy mill rate property taxes that average about 2.15% of assessed value statewide, but rates vary enormously by municipality. Hartford and Waterbury exceed 70 mills (7%+ effective rate on a 70% assessment ratio), while wealthy shoreline towns like Greenwich average about 11.5 mills (less than 1% effective). A median Connecticut homeowner pays roughly $6,500 to $9,000 per year in property tax, which is not reflected in paycheck withholding but significantly affects total cost of living relative to states like Texas (no income tax but 1.8% property tax) or Florida (no income tax, 0.9% property tax).

How much does a $30/hour worker take home in Connecticut?

At $30/hour working 40 hours per week and filing single, your gross annual pay is $62,400. After federal income tax of approximately $5,664, Connecticut state tax of approximately $2,243, Social Security of approximately $3,869, and Medicare of approximately $905, your annual take-home is roughly $49,719. That works out to about $1,912 per biweekly paycheck. Connecticut does not levy local income taxes, so this estimate is complete except for any voluntary deductions like health insurance or 401(k) contributions.

What is the Connecticut minimum wage in 2025-2026?

The Connecticut minimum wage is $16.35 per hour as of January 1, 2025, with annual cost-of-living adjustments tied to the federal Employment Cost Index. This rate ranks among the highest state minimums in the country. Tipped service workers can be paid a base of $6.38 per hour, with the employer responsible for ensuring tips bring total earnings up to or above the standard minimum. A full-time worker at the state minimum earns $34,008 annually before taxes, producing approximately $28,500 in take-home pay after federal, state, and FICA deductions.

Does Connecticut tax Social Security and pension income?

Connecticut exempts Social Security benefits from state income tax for single filers with federal adjusted gross income below $75,000 and joint filers below $100,000, with a phase-in above those thresholds. Pension and 401(k) income is also partially exempt: Connecticut allows a phased-in 100% exemption for taxpayers below those same income thresholds. This is a significant improvement over the state's earlier policy of fully taxing all retirement income and has made Connecticut more competitive with neighboring states for retirees.

How does Connecticut compare to neighboring states for take-home pay?

Connecticut sits between Massachusetts and New York in tax burden. Massachusetts levies a flat 5% income tax plus a 4% surtax on income above $1 million (the Fair Share Amendment), making it cheaper than Connecticut for most middle-income workers but more expensive for very high earners. New York runs 4% to 10.9%, slightly above Connecticut at most brackets, and New York City residents pay an additional 3.078% to 3.876% city income tax. Rhode Island is closer to Connecticut at 3.75% to 5.99%. For a $100,000 earner, Connecticut state tax is roughly $5,000, Massachusetts is $5,000, New York is $5,500, and Rhode Island is $4,500.

Are there any Connecticut-specific tax credits I should know about?

Connecticut offers a property tax credit of up to $300 against state income tax for homeowners and vehicle owners who pay local property taxes, available to filers under certain income limits. The state also provides an Earned Income Tax Credit (EITC) equal to 40% of the federal EITC for the 2025 tax year, one of the most generous in the nation. Working families with children should claim both at filing time. Connecticut also recently restored a child tax credit (a $250 per child rebate during certain years), though this has been temporary and depends on legislative renewal.

Connecticut Paycheck Calculator (Hourly) — Free Take-Home Pay Estimator

How the Connecticut Paycheck Calculator Works

This Connecticut paycheck calculator hourly tool computes your take-home pay by subtracting federal income tax, Connecticut's progressive state income tax (2% to 6.99%), and FICA (Social Security and Medicare) from your gross earnings. Connecticut runs one of the more granular bracket systems in the Northeast, applying seven separate rates as income climbs from $0 to above $500,000.

The core formula:

Take-Home = Gross - Federal Tax - CT State Tax - Social Security - Medicare

P_{net} = P_{gross} - T_{fed} - T_{CT} - T_{SS} - T_{Med}

Annual gross pay is hourly wage x hours per week x 52 weeks. To convert hourly to annual salary, simply multiply hourly rate by 2,080. Per-period pay divides the annual figure by 52 (weekly), 26 (biweekly), 24 (semi-monthly), or 12 (monthly).

Federal income tax for 2026 uses seven progressive brackets: 10% on the first $11,925 of taxable income (single), then 12% to $48,475, 22% to $103,350, 24% to $197,300, 32% to $250,525, 35% to $626,350, and 37% above. Standard deduction is $15,000 single, $30,000 married, $22,500 head of household. Connecticut state tax then applies its seven brackets to gross income after a Connecticut-specific standard deduction of $15,000 single, $24,000 married, or $19,000 head of household, and after pre-tax retirement contributions. FICA is 6.2% Social Security on wages up to $176,100 plus 1.45% Medicare on all wages, with a 0.9% Medicare surtax on wages above $200,000 single or $250,000 married.

Connecticut Hourly Paycheck Tax Breakdown

Connecticut adopted its modern income tax in 1991 under Governor Lowell Weicker, replacing a tax system that had relied almost entirely on sales and capital gains taxes. The current seven-bracket structure runs from 2% on the first $10,000 of taxable income (single) up to 6.99% on income above $500,000. Brackets for married filing jointly are double the single thresholds. For most full-time workers earning $40,000 to $90,000, the effective state rate works out to between 4% and 5% — meaningfully higher than flat-tax states like Colorado (4.4%) or Illinois (4.95%) at middle incomes, but lower than New York's progressive system.

The seven Connecticut brackets for single filers are: 2% on $0-$10,000, 4.5% on $10,000-$50,000, 5.5% on $50,000-$100,000, 6% on $100,000-$200,000, 6.5% on $200,000-$250,000, 6.9% on $250,000-$500,000, and 6.99% above $500,000. The state also offers a 3% bracket phase-down for lower earners and additional credits that reduce effective rates further at the bottom of the income distribution.

Compared to neighbors, Connecticut is moderately expensive. Massachusetts levies a flat 5% income tax with a 4% surtax on income over $1 million, producing lower middle-class rates but a higher cliff for millionaires. New York runs 4% to 10.9%, slightly above Connecticut at almost every income level and topped further by New York City's 3.078% to 3.876% local income tax. Rhode Island is the regional bargain among neighbors at 3.75% to 5.99%, while New Jersey reaches 10.75% at the top. For a $75,000 single filer, Connecticut owes roughly $3,200 in state tax versus New York at $3,800, Massachusetts at $3,150, and Rhode Island at $2,900.

Your Connecticut paycheck deductions come from four sources:

Federal income tax: Calculated using progressive IRS brackets. Use our income tax calculator to model your full-year liability.
Connecticut state income tax: Progressive rates from 2% to 6.99% applied to taxable income after the CT standard deduction.
Social Security: Flat 6.2% on wages up to the 2026 wage base of $176,100.
Medicare: Flat 1.45% on all wages, plus a 0.9% surtax on wages above $200,000 (single) or $250,000 (married).

Variable Definitions

Hourly Wage: Your gross pay per hour before any deductions. Connecticut's labor market spans a wide range: a Hartford insurance underwriter earns roughly $35 to $50 per hour, while a Stamford hedge fund analyst can earn $80 to $200 per hour. A New Haven Yale-New Haven Hospital nurse earns $42 to $55 per hour, and a Bridgeport advanced manufacturing technician at Sikorsky or General Dynamics Electric Boat earns $32 to $45 per hour. Each worker faces the same progressive Connecticut brackets but lands at different marginal rates.

Hours per Week: Total hours worked each week. Connecticut requires overtime at 1.5x for hours above 40 per workweek. A Waterbury machine operator routinely working 48 hours weekly should enter 40 here and treat the 8 overtime hours as a separate calculation at the overtime rate.

Pay Frequency: How often you receive a paycheck. Connecticut state employees and most private-sector workers are paid biweekly (26 paychecks per year). A New London Pfizer scientist earning $95,000 annually receives roughly $3,654 gross biweekly. Total annual income and total tax are identical regardless of frequency.

Filing Status: Your federal and Connecticut filing status. Connecticut uses the same filing categories as the IRS, with married filing jointly thresholds set at roughly twice the single thresholds. A married couple in Greenwich filing jointly with $180,000 combined income lands in Connecticut's 5.5% bracket, while two unmarried partners each earning $90,000 fall into the 5.5% bracket too — the marriage penalty in CT is small at middle incomes but grows at higher incomes.

Pre-Tax Deduction: Percentage contributed to 401(k), 403(b), HSA, or traditional IRA. A Hartford state employee earning $70,000 who contributes 8% to a 457(b) deferred-compensation plan reduces taxable income by $5,600, saving roughly $308 in Connecticut state tax (at 5.5% marginal) plus $1,232 in federal tax (at 22% marginal) for total annual tax savings of $1,540.

Worked Example 1: Connecticut Hourly Paycheck at $24/Hour

A single filer earning $24/hour, working 40 hours/week, biweekly pay, with a 5% pre-tax 401(k) contribution:

Annual gross: $24 x 40 x 52 = $49,920
Pre-tax 401(k): $49,920 x 5% = $2,496
Taxable gross: $49,920 - $2,496 = $47,424
Federal taxable income: $47,424 - $15,000 = $32,424
Federal tax: ($11,925 x 10%) + ($20,499 x 12%) = $1,192.50 + $2,459.88 = $3,652.38
CT taxable: $47,424 - $15,000 (CT std ded) = $32,424
CT state tax: ($10,000 x 2%) + ($22,424 x 4.5%) = $200 + $1,009.08 = $1,209.08
Social Security: $47,424 x 6.2% = $2,940.29
Medicare: $47,424 x 1.45% = $687.65
Total deductions: $2,496 + $3,652.38 + $1,209.08 + $2,940.29 + $687.65 = $10,985.40
Annual take-home: $49,920 - $10,985.40 = $38,934.60
Biweekly take-home: $38,934.60 / 26 = $1,497.48

Worked Example 2: Connecticut Hourly Paycheck at $55/Hour

A single Stamford finance professional earning $55/hour, working 40 hours/week, biweekly pay, with a 12% pre-tax 401(k) contribution:

Annual gross: $55 x 40 x 52 = $114,400
Pre-tax 401(k): $114,400 x 12% = $13,728
Taxable gross: $114,400 - $13,728 = $100,672
Federal taxable income: $100,672 - $15,000 = $85,672
Federal tax: ($11,925 x 10%) + ($36,550 x 12%) + ($37,197 x 22%) = $1,192.50 + $4,386.00 + $8,183.34 = $13,761.84
CT taxable: $100,672 - $15,000 = $85,672
CT state tax: ($10,000 x 2%) + ($40,000 x 4.5%) + ($35,672 x 5.5%) = $200 + $1,800 + $1,961.96 = $3,961.96
Social Security: $100,672 x 6.2% = $6,241.66
Medicare: $100,672 x 1.45% = $1,459.74
Total deductions: $13,728 + $13,761.84 + $3,961.96 + $6,241.66 + $1,459.74 = $39,153.20
Annual take-home: $114,400 - $39,153.20 = $75,246.80
Biweekly take-home: $75,246.80 / 26 = $2,894.11

This Stamford worker pays an effective Connecticut state rate of roughly 3.95% on gross income, and a combined federal plus CT income tax rate of about 15.5%. The aggressive 12% 401(k) contribution shelters $13,728 from current taxation, saving approximately $3,020 in federal tax (at 22% marginal) plus $755 in Connecticut state tax (at 5.5% marginal) for $3,775 in immediate tax savings. Over a 30-year career at this contribution rate, the cumulative tax-deferred savings and investment growth typically exceed $1.5 million.

Edge Cases and Advanced Scenarios

Social Security wage base cap: A Greenwich hedge fund manager earning $750,000 pays Social Security tax only on the first $176,100 of wages, capping FICA Social Security at $10,918.20. The cap resets each January 1, so high earners hit it again each year, typically partway through Q1.

Additional Medicare surtax: Single filers earning above $200,000 (or married above $250,000) pay an extra 0.9% Medicare tax on the excess. A Hartford specialty physician earning $325,000 single owes ($325,000 - $200,000) x 0.9% = $1,125 in additional Medicare tax on top of the regular 1.45%. The employer begins withholding the surtax once year-to-date wages cross the threshold, but the employee is ultimately responsible for any shortfall at filing time.

Connecticut top bracket and 3% phase-out: Connecticut's bracket structure includes a peculiar mechanic for higher earners called the 3% bracket phase-out. Once a single filer's Connecticut AGI exceeds $56,500 (or $100,500 married), the benefit of the lower 3% rate (which applies to the first $10,000) is gradually clawed back, effectively pushing those dollars into higher brackets. By the time income exceeds about $108,000 single ($200,500 married), the phase-out is complete and the full effective rate climbs by roughly 0.15 percentage points. The Connecticut Department of Revenue Services Form CT-1040 walks through this calculation, and most paycheck withholding tables already build in an approximation.

What to Do with Your Connecticut Paycheck Result

Compare your calculated take-home pay to your actual paycheck stub. Differences usually come from health insurance, dental, vision, FSA, HSA, parking, or transit benefits that this calculator does not include.
Use the annual take-home figure to budget against Connecticut's high cost of living, particularly in Fairfield County where housing costs can consume 35% to 45% of gross income.
Maximize 401(k) and HSA contributions. Connecticut's 5% to 6% marginal state rates combined with 22% to 24% federal rates produce 27% to 30% in immediate tax savings for every pre-tax dollar contributed.
Use our federal income tax percentage calculator to check your effective federal rate and confirm withholding accuracy.

Related Calculators

Delaware Paycheck Calculator (Hourly) — Delaware's progressive rates top at 6.6%, slightly lower than Connecticut.
Washington DC Paycheck Calculator (Hourly) — DC's progressive rates run higher than Connecticut's at upper brackets.
Illinois Paycheck Calculator (Hourly) — Illinois's flat 4.95% rate offers a different structure for comparison.
Salary Calculator — convert between hourly and annual pay.
Income Tax Calculator — estimate your total federal income tax liability.
Federal Income Tax Percentage Calculator — find your effective federal tax rate.
Paycheck Calculator by State — compare take-home pay across all 50 states and DC.

Connecticut Paycheck Calculator (Hourly)