Oregon vs New Hampshire Taxes
Compare the total tax burden between Oregon (4.75% – 9.9%) and New Hampshire (no income tax). Enter your income to see which state saves you more.
| Tax Component | Oregon | New Hampshire |
|---|---|---|
| Federal Tax | $13,170 | $13,170 |
| State Tax | $7,152 | $0 |
| FICA | $7,650 | $7,650 |
| Total Tax | $27,972 | $20,820 |
| Take-Home | $72,028 | $79,180 |
| Effective Rate | 27.97% | 20.82% |
| Annual Difference | $7,152 more | $7,152 less |
The $7,152 difference is primarily because Oregon has a progressive income tax with rates up to 9.9%, while New Hampshire has no state income tax. At your income level, Oregon's marginal rate is 8.8%.
Why the difference
You'd save $7,152/year ($596/month) in New Hampshire vs Oregon.
Tax structure
Oregon uses progressive brackets up to 9.9%, while New Hampshire has no state income tax.
Effective rate at your income
At $100,000, New Hampshire's effective state rate is 0.0% vs 7.2% in Oregon — a 7.2 percentage point gap.
Tip: In a progressive-bracket state, pre-tax 401(k) and HSA contributions reduce your state tax bill along with federal tax. If you are near a bracket boundary, an additional contribution can drop you into a lower state bracket.
Tip: With the interest and dividends tax now repealed, New Hampshire joins the fully no-income-tax group. However, property taxes are notably high — budget $6,000-$10,000+ annually on a median-value home.
Oregon Total Tax
$27,97227.97% effective rate
New Hampshire Total Tax
$20,82020.82% effective rate
Annual Savings
$7,152by living in New Hampshire
Tax at Different Income Levels
| Income | Oregon Total Tax | New Hampshire Total Tax | Annual Savings |
|---|---|---|---|
| $75,000 | $18,466 | $13,408 | Save $5,059 |
| $100,000 | $27,972 | $20,820 | Save $7,152 |
| $150,000 | $49,015 | $36,209 | Save $12,806 |
| $200,000 | $68,829 | $51,073 | Save $17,756 |
Based on single filer, standard deduction, 2026 tax year. Includes federal income tax, state income tax, and FICA.
Why the difference
You'd save $7,152/year ($596/month) in New Hampshire vs Oregon.
Tax structure
Oregon uses progressive brackets up to 9.9%, while New Hampshire has no state income tax.
Effective rate at your income
At $100,000, New Hampshire's effective state rate is 0.0% vs 7.2% in Oregon — a 7.2 percentage point gap.
Tip: In a progressive-bracket state, pre-tax 401(k) and HSA contributions reduce your state tax bill along with federal tax. If you are near a bracket boundary, an additional contribution can drop you into a lower state bracket.
Tip: With the interest and dividends tax now repealed, New Hampshire joins the fully no-income-tax group. However, property taxes are notably high — budget $6,000-$10,000+ annually on a median-value home.
Understanding Each State
Oregon
This state uses a progressive income tax system with multiple brackets, similar to the federal system. Only the income within each bracket is taxed at that rate, so your effective state rate is lower than the top bracket. Tax planning strategies include maximizing pre-tax retirement contributions to reduce state-taxable income.
Tip: In a progressive-bracket state, pre-tax 401(k) and HSA contributions reduce your state tax bill along with federal tax. If you are near a bracket boundary, an additional contribution can drop you into a lower state bracket.
New Hampshire
New Hampshire has no state tax on wages or salary, but historically taxed interest and dividend income at 5%. This tax was repealed effective January 2025, making NH a fully no-income-tax state. Property taxes in NH are among the highest nationally, averaging ~1.86% of home value.
Tip: With the interest and dividends tax now repealed, New Hampshire joins the fully no-income-tax group. However, property taxes are notably high — budget $6,000-$10,000+ annually on a median-value home.
Key Comparison Points
Income tax structure: Oregon has a progressive income tax (4.75% – 9.9%), while New Hampshire has no state income tax.
Beyond income tax: State tax comparisons should also consider property tax rates, sales tax, and cost of living. A state with no income tax may have higher property or sales taxes that offset the savings.
SALT deduction cap: Under OBBBA, the 2026 federal SALT cap is $40,400, phasing out above $505,000 MAGI toward a $10,000 floor. This limits the federal tax benefit of living in a high-tax state, so the gross state tax difference remains close to the net difference for most earners — especially high earners inside the phaseout.
Frequently asked questions
Is it cheaper to live in Oregon or New Hampshire?
Based on income tax alone, New Hampshire has a lower tax burden. At $100K income, you'd save $7,152 annually in New Hampshire compared to Oregon. However, total cost of living also depends on property taxes, sales taxes, and housing costs.
How much would I save moving from Oregon to New Hampshire?
A single filer earning $100,000 would save approximately $7,152 per year in total taxes by living in New Hampshire instead of Oregon. At $150,000 income, the savings change to $12,806 per year.
What is the income tax rate in Oregon?
Oregon has a progressive income tax with rates of 4.75% – 9.9%.
What is the income tax rate in New Hampshire?
New Hampshire has no state income tax.
Does New Hampshire have income tax?
No, New Hampshire does not levy a state income tax. Residents pay only federal income tax and FICA. However, New Hampshire may have higher property taxes or sales taxes to compensate.