$100k in Pasco
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2026 IRS Brackets • FICA Limits • State & Local Rules
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📊 Pasco Salary Guide
Pasco, WA Salary Guide: The Real Take-Home on $100k
You see the job offer: a clean $100,000 salary for a position in Pasco, Washington. It looks solid. But in the world of financial analysis, the "sticker price" means nothing. We trade in hard data.
To understand your purchasing power in the Tri-Cities region, we have to strip away the noise, the taxes, and the inflation drag. We’re running a forensic audit on a $100k salary to see exactly what lands in your bank account and how far it actually stretches in Pasco’s specific market.
The Verification Test ($100,000 Analysis)
Let’s run the numbers. A salary of $100,000 is the gross figure, but your lifestyle is funded by your net pay. Here is the reality of the deduction schedule for a standard filing status (Single) under 2026 IRS projections.
- Gross Salary: $100,000
- Federal Tax: -$13,614
- FICA Tax: -$7,650
- State Tax (WA): -$0
- Local Tax: -$0
The Result:
- Total Take Home Pay: $78,736
- Monthly Net Income: $6,561
The Analysis:
The "sticker price" of $100k is a mirage. You are losing roughly 21% of your gross income to the IRS and FICA. However, the critical variable here is the $0 State Tax.
Washington State does not levy an income tax. If you were earning this same amount in Oregon (approx. 9% state tax) or California, your take-home pay would plummet by thousands. In Pasco, your efficiency is high. You keep $0.79 of every dollar earned, a ratio that is difficult to beat in major metropolitan areas.
Smart Budget Breakdown (50/30/20 Rule)
With a net monthly income of $6,561, we apply the 50/30/20 rule to assess your purchasing power.
Needs ($3,281 / Month)
This bucket covers housing, utilities, insurance, and groceries.
- The Rent Reality: Pasco is currently one of the more affordable markets in the West. You can secure a modern one-bedroom apartment or a solid two-bedroom older unit for roughly $1,400 - $1,600.
- The Surplus: After rent and utilities ($200), you are left with ~$1,600 for food, gas, and insurance. This is a healthy buffer. You are not "house poor." You can comfortably cover your essentials without stress.
Wants ($1,968 / Month)
This is your discretionary spending.
- Purchasing Power: In Pasco, this amount goes far. You can afford dining out, a gym membership, streaming services, and weekend trips to Spokane or Portland without blinking. You are in the top tier of local consumer power.
Savings ($1,312 / Month)
This is where wealth is built.
- Wealth Creation: $1,312 monthly is a strong investment engine. This covers maxing out a Roth IRA ($583/mo) with plenty left over for a brokerage account or emergency fund. Because the cost of living (specifically rent) is decoupled from your income, your savings rate is significantly higher here than it would be in a high-tax, high-rent coastal city.
Pasco Taxes vs The Competition
To understand the value of the $0 State Income Tax, we have to compare Pasco to other common tech/industry hubs.
Scenario: $100,000 Gross Salary
| Location | State Tax Burden | Est. Annual State Tax | Net Pay (Post-Tax) |
|---|---|---|---|
| Pasco, WA | 0% | $0 | $78,736 |
| Austin, TX | 0% | $0 | $78,736 |
| New York City, NY | ~10.9% (Fed + State + City) | ~$10,900 | ~$67,836 |
| Portland, OR | 9.9% (State + Metro) | ~$9,900 | ~$68,836 |
The Verdict:
Pasco offers a "Tax Shelter" effect. By choosing Pasco over Portland, you save roughly $9,900 annually on state taxes alone. That is an extra $825 in your pocket every month compared to your neighbors in Oregon. While Austin offers the same tax benefit, Pasco offers a distinct advantage in climate and proximity to outdoor recreation (wine country, mountains, rivers) without the extreme heat or humidity.
Frequently Asked Questions (FAQ)
Q: What is the income tax rate in Pasco?
A: Pasco has a 0% state income tax rate. Washington State does not tax personal earned income. You will only pay Federal income tax and FICA (Social Security/Medicare).
Q: Is $100k a good salary in Pasco?
A: Yes. With a take-home pay of roughly $6,561 monthly, you are well above the area's median income. This salary allows for comfortable housing, high discretionary spending, and significant savings, placing you in a financial position significantly stronger than a $100k earner in Seattle, San Francisco, or New York.
Q: Does Pasco have a local city tax?
A: No. Based on the data provided, there is no local income tax levied by the City of Pasco or the State of Washington.
- Methodology & Sources:
- Federal Tax & FICA Calculations: Based on IRS Revenue Procedure 2024-40 (projected 2026 tax brackets) and standard deduction for Single filers. Includes Social Security (6.2%) and Medicare (1.45%) calculations.
- State Tax Data: Washington State Department of Revenue and State Comptroller records confirm no personal income tax.
- Cost of Living Data: Derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys and localized housing market analysis for the Kennewick-Pasco-Richland MSA.