Work out your 2026 New Mexico state income tax in seconds. This free New Mexico state income tax calculator applies New Mexico's 1.5%–5.9% brackets, deductions, exemptions and credits to your income and shows the tax in each bracket, your effective and marginal rates, federal income tax and an estimated refund or balance due. Use it as a New Mexico tax calculator for planning, to check your withholding, or to compare New Mexico with neighboring states. For every state at once, use the all-states income tax calculator.
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| Item | Amount |
|---|
| Taxable income slice | Rate | Tax |
|---|
These are estimates for planning, not tax or legal advice. Itemized deductions, tax credits not listed here, local rules and your actual return can change what you owe.
The same income and filing status in New Mexico and Arizona, Utah, Colorado, Oklahoma and Texas, sorted from the lowest state income tax to the highest.
| State | State income tax | Effective rate | Top rate on your income |
|---|
| Single taxable income | Rate | Married (joint) taxable income | Rate |
|---|---|---|---|
| $0 – $5,500 | 1.5% | $0 – $8,000 | 1.5% |
| $5,500 – $16,500 | 3.2% | $8,000 – $25,000 | 3.2% |
| $16,500 – $33,500 | 4.3% | $25,000 – $50,000 | 4.3% |
| $33,500 – $66,500 | 4.7% | $50,000 – $100,000 | 4.7% |
| $66,500 – $210,000 | 4.9% | $100,000 – $315,000 | 4.9% |
| Over $210,000 | 5.9% | Over $315,000 | 5.9% |
New Mexico has a graduated income tax with 6 rates, from 1.5% up to 5.9%. Each rate applies only to the slice of taxable income inside its bracket, so moving into a higher bracket never raises the tax on income you already earned. Married couples filing jointly get wider brackets than single filers. New Mexico gives a standard deduction of $16,100 for single filers and $32,200 for married couples filing jointly (the same amounts as the federal deduction).
New Mexico gives joint and head-of-household filers a $4,000 deduction for each dependent after the first.
Sources: New Mexico Department of Revenue 2026 rate schedules and withholding tables, cross-checked with the Tax Foundation's 2026 state bracket table; checked 26 Oct 2026.
The table shows estimated 2026 New Mexico income tax for a single filer at common incomes, using the standard deduction and no other deductions or credits. Federal income tax is shown for comparison. Every figure comes from the calculator above.
| Income | State income tax | Effective state rate | State bracket | Federal income tax | After all taxes |
|---|---|---|---|---|---|
| $30,000 | $351.30 | 1.17% | 3.2% | $1,420.00 | $25,934 |
| $40,000 | $752.70 | 1.88% | 4.3% | $2,620.00 | $33,567 |
| $50,000 | $1,184.30 | 2.37% | 4.7% | $3,820.00 | $41,171 |
| $60,000 | $1,654.30 | 2.76% | 4.7% | $5,020.00 | $48,736 |
| $75,000 | $2,359.30 | 3.15% | 4.7% | $7,670.00 | $59,233 |
| $100,000 | $3,569.10 | 3.57% | 4.9% | $13,170.00 | $75,611 |
| $150,000 | $6,019.10 | 4.01% | 4.9% | $24,734.00 | $107,772 |
| $200,000 | $8,469.10 | 4.23% | 4.9% | $36,734.00 | $140,458 |
| $300,000 | $14,108.10 | 4.70% | 5.9% | $68,134.25 | $201,069 |
On $50,000 of income a single New Mexico resident pays about $1,184.30 of state income tax, an effective rate of 2.37%. At $100,000 the tax is $3,569.10 (3.57%), and at $200,000 it is $8,469.10 (4.23%). State tax is smaller than federal income tax at every income shown: at $100,000 the federal bill is $13,170.00.
Married couples filing jointly get wider brackets and a larger deduction. Here is the same income range for a married couple with no children:
| Income | State income tax | Effective state rate | State bracket | Federal income tax | After all taxes |
|---|---|---|---|---|---|
| $30,000 | $0.00 | 0.00% | 0% | $0.00 | $27,705 |
| $40,000 | $117.00 | 0.29% | 1.5% | $780.00 | $36,043 |
| $50,000 | $433.60 | 0.87% | 3.2% | $1,780.00 | $43,961 |
| $60,000 | $784.40 | 1.31% | 4.3% | $2,840.00 | $51,786 |
| $75,000 | $1,429.40 | 1.91% | 4.3% | $4,640.00 | $63,193 |
| $100,000 | $2,575.60 | 2.58% | 4.7% | $7,640.00 | $82,134 |
| $150,000 | $4,961.20 | 3.31% | 4.9% | $15,340.00 | $118,224 |
| $200,000 | $7,411.20 | 3.71% | 4.9% | $26,340.00 | $151,910 |
| $300,000 | $12,311.20 | 4.10% | 4.9% | $49,468.00 | $221,982 |
A married couple with $100,000 of combined income pays about $2,575.60 in New Mexico income tax, compared with $3,569.10 for a single person with the same income.
Here is every step the calculator takes for a single filer in New Mexico with $75,000 of wages in 2026. These are the default inputs of the calculator above, so you can follow along line by line.
Every taxpayer's situation is a little different, but the order of the steps is always the same: start from income, subtract pre-tax contributions, subtract the state's deductions and exemptions, apply the brackets, and finally subtract credits.
Two different rates describe your New Mexico tax. The marginal rate is the rate on your next dollar: 4.7% for a single filer earning $75,000. The effective rate is total state tax divided by total income: $2,359.30 ÷ $75,000 = 3.15%. The effective rate is lower because deductions, exemptions and the lower brackets shelter part of the income.
| Single income | Marginal state rate | Effective state rate |
|---|---|---|
| $30,000 | 3.2% | 1.17% |
| $40,000 | 4.3% | 1.88% |
| $50,000 | 4.7% | 2.37% |
| $60,000 | 4.7% | 2.76% |
| $75,000 | 4.7% | 3.15% |
| $100,000 | 4.9% | 3.57% |
| $150,000 | 4.9% | 4.01% |
| $200,000 | 4.9% | 4.23% |
| $300,000 | 5.9% | 4.70% |
The marginal rate is what matters for decisions such as overtime, a bonus or a raise. At $75,000, earning $1,000 more raises New Mexico income tax by about $47.00, plus 22% federal income tax and 7.65% Social Security and Medicare.
Where you live – not only where you work – decides most of your state income tax bill. The table compares New Mexico with its neighboring states for the same incomes, using each state's own 2026 rules.
| State | Tax on $75,000 (single) | Effective rate | Tax on $150,000 (single) | Tax on $100,000 (married) |
|---|---|---|---|---|
| Texas | $0.00 | 0.00% | $0.00 | $0.00 |
| Arizona | $1,472.50 | 1.96% | $3,347.50 | $1,695.00 |
| New Mexico | $2,359.30 | 3.15% | $6,019.10 | $2,575.60 |
| Colorado | $2,591.60 | 3.46% | $5,891.60 | $2,983.20 |
| Oklahoma | $2,829.50 | 3.77% | $6,204.50 | $3,409.00 |
| Utah | $3,103.45 | 4.14% | $6,675.00 | $3,331.90 |
At $75,000, a single filer pays $2,359.30 in New Mexico compared with $0.00 in Texas and $3,103.45 in Utah. Living in Texas instead would save about $2,359 a year at that income. Remember that sales, property and local taxes also differ from state to state, so income tax is only one part of the total cost of living.
Among all 50 states and DC, New Mexico has the 20th-lowest state income tax for a single filer earning $75,000 in 2026 ($2,359.30), the 16th-lowest at $50,000 ($1,184.30) and the 25th-lowest at $150,000 ($6,019.10). For a married couple with $150,000 of income it ranks 19th-lowest ($4,961.20). The 9 states without a wage tax share first place, so a rank of 10 is the lowest possible for a state that taxes wages. New Mexico ranks worse at higher incomes because its graduated rates take a bigger share as income grows.
A married couple filing jointly with $120,000 of wages and two children under 17 pays an estimated $3,327.60 in New Mexico income tax for 2026, compared with $3,515.60 for the same couple without children. Their federal income tax is $5,640.00 after $4,400.00 of child tax credits, and they keep about $101,852 after all taxes.
A single parent filing as head of household with $60,000 of wages and one child pays about $1,654.30 in New Mexico tax and $1,748.00 in federal income tax. Head-of-household filers get a larger federal standard deduction of $24,150 and wider federal brackets. For the state part the calculator uses the single-filer brackets and deductions, which is how many states treat head of household, but check your state form if it has separate head-of-household tables.
Pre-tax retirement contributions lower state tax too. A single filer earning $90,000 who contributes $6,000 to a 401(k) cuts New Mexico income tax by $294.00 and federal income tax by $1,320.00, so the $6,000 contribution costs only about $4,386 in take-home pay.
The brackets above are only part of your New Mexico tax bill. These New Mexico rules change what you actually owe, checked against state and Tax Foundation sources in October 2026.
| Deduction and exemption | Follows the federal standard deduction ($16,100 single for 2026); no personal exemption. |
|---|---|
| Social Security and pensions | Social Security exempt below $100,000 single/$150,000 joint income; pensions taxable with a small age-65 exemption. |
| Credits worth knowing | Working Families Tax Credit (25% of federal EITC, refundable) and refundable child income tax credit. |
| Local income tax | None. Only the state rate applies to wages. |
| Deadline for 2025 returns | April 15, 2026 (April 30 for e-filers). |
| Tax agency | New Mexico Taxation and Revenue Department |
Every state starts from a slightly different number. This is exactly how New Mexico turns $75,000 of wages into a tax bill for 2026:
New Mexico tax at other incomes (wages only, 2026):
| Income | Single | Single rate | Married jointly | Married rate |
|---|---|---|---|---|
| $35,000 | $538 | 1.54% | $42 | 0.12% |
| $65,000 | $1,889 | 2.91% | $999 | 1.54% |
| $100,000 | $3,569 | 3.57% | $2,576 | 2.58% |
| $250,000 | $11,158 | 4.46% | $9,861 | 3.94% |
New Mexico deduction rules: Follows the federal standard deduction ($16,100 single for 2026); no personal exemption.
A $1,000 raise in New Mexico: going from $75,000 to $76,000 adds $220 of federal income tax, $47 of New Mexico tax and $76.50 of Social Security and Medicare, so you keep about $657 of it.
| Filing status at $75,000 | Federal income tax | New Mexico tax | Total income tax | Effective rate |
|---|---|---|---|---|
| Single | $7,670 | $2,359 | $10,029 | 13.37% |
| Head of household | $5,748 | $2,359 | $8,107 | 10.81% |
| Married filing jointly | $4,640 | $1,429 | $6,069 | 8.09% |
For a single filer, New Mexico tax is 23.52% of the combined federal and state income tax bill at $75,000.
State income tax for a single filer in New Mexico and its neighbors (wages only, 2026):
| State | $50,000 | $100,000 | $200,000 |
|---|---|---|---|
| New Mexico | $1,184 | $3,569 | $8,469 |
| Arizona | $848 | $2,098 | $4,598 |
| Utah | $1,666 | $4,450 | $8,900 |
| Colorado | $1,492 | $3,692 | $8,092 |
| Oklahoma | $1,705 | $3,955 | $8,455 |
| Texas | $0 | $0 | $0 |
In other words, moving from Arizona to New Mexico on $100,000 costs about $1,472 a year in state income tax; moving from Utah to New Mexico on $100,000 saves about $881 a year in state income tax; moving from Colorado to New Mexico on $100,000 saves about $123 a year in state income tax; moving from Oklahoma to New Mexico on $100,000 saves about $385 a year in state income tax; moving from Texas to New Mexico on $100,000 costs about $3,569 a year in state income tax.
On $75,000 of wages your New Mexico tax for 2026 is about $2,359, so an employer paying every two weeks should withhold close to $90.74 per paycheck ($196.61 a month). That amount is driven by the Uses federal Form W-4 you gave your employer, not the federal W-4.
Side income: $10,000 of freelance or rental income on top of that salary adds about $475 of New Mexico tax and $2,200 of federal income tax. Because nothing is withheld from it, pay about $119 to New Mexico each quarter, or raise your paycheck withholding, to avoid an underpayment penalty.
Monthly view of a $75,000 single New Mexico salary in 2026:
| Each month | Amount |
|---|---|
| Gross pay | $6,250.00 |
| Federal income tax | $639.17 |
| Social Security and Medicare | $478.13 |
| New Mexico income tax | $196.61 |
| Left after income and payroll taxes | $4,936.10 |
This calculator covers the main New Mexico deductions and exemptions. Here is how the biggest choices change New Mexico tax on $75,000 of wages:
| Situation | New Mexico tax | Change |
|---|---|---|
| Single, no deductions | $2,359 | — |
| $5,000 to a traditional 401(k) | $2,124 | −$235 |
| Two children under 17 | $2,359 | $0 |
| Married filing jointly, one income | $1,429 | −$930 |
Other New Mexico rules that can lower (or raise) your bill but are not entered above:
Two more examples on $75,000: putting $4,400 into an HSA through payroll brings New Mexico tax to $2,153 and federal tax to $6,702. A married couple with two children who also save $5,000 in a 401(k) owe $0 federal and $1,042 New Mexico tax, $8,987 less than a single filer with no deductions.
Traditional 401(k) contributions on a $75,000 New Mexico salary, single filer:
| 401(k) contribution | Federal income tax | New Mexico tax | Take-home after saving |
|---|---|---|---|
| 0% ($0) | $7,670 | $2,359 | $59,233 |
| 5% ($3,750) | $6,845 | $2,183 | $56,484 |
| 10% ($7,500) | $6,020 | $2,007 | $53,736 |
| 15% ($11,250) | $5,470 | $1,831 | $50,712 |
Each step up in savings lowers both your federal and New Mexico tax, so the money you put away costs less than its face value.
A quick walk-through with New Mexico numbers, so you can see how each box changes the result:
Every figure updates as you type, and nothing you enter leaves your browser. For official forms and payment options use the New Mexico Taxation and Revenue Department.
Paid by the hour? Multiply your rate by 2,080 hours (40 a week). At $20 an hour that is $41,600 a year, with $822 of New Mexico tax and $2,812 federal; at $30 an hour ($62,400) it is $1,767 New Mexico and $5,308 federal.
Yearly taxes at common hourly wages in New Mexico (single, 40 hours a week, 2026):
| Hourly wage | Federal income tax | New Mexico tax | Left after all taxes |
|---|---|---|---|
| $15/hour ($31,200) | $1,564 | $390 | $26,859 |
| $20/hour ($41,600) | $2,812 | $822 | $34,784 |
| $25/hour ($52,000) | $4,060 | $1,278 | $42,684 |
| $35/hour ($72,800) | $7,186 | $2,256 | $57,789 |
| $50/hour ($104,000) | $14,050 | $3,765 | $78,229 |
New Mexico has graduated rates from 1.5% to 5.9% for 2026. The full bracket table and deductions are shown above.
A single filer with $50,000 of income pays about $1,184.30 of New Mexico income tax in 2026, an effective rate of 2.37%.
A single filer pays about $3,569.10 on $100,000 (3.57%); a married couple filing jointly with the same income pays about $2,575.60.
New Mexico gives a standard deduction of $16,100 for single filers and $32,200 for married couples filing jointly (the same amounts as the federal deduction).
Enter your 2026 wages, other income, filing status, dependents and any 401(k) contributions in the New Mexico income tax calculator above. It subtracts the New Mexico deductions and exemptions, applies the 2026 brackets and credits, and shows the tax by bracket, your effective and marginal rates and a refund estimate.
New Mexico gives joint and head-of-household filers a $4,000 deduction for each dependent after the first.
It uses official 2026 federal figures and the latest official state rates, deductions and exemptions, checked on 26 October 2026. Itemized deductions, retirement exclusions and other state credits are not included, so your real tax may be lower.
Social Security exempt below $100,000 single/$150,000 joint income; pensions taxable with a small age-65 exemption.
April 15, 2026 (April 30 for e-filers) is the deadline for 2025 New Mexico returns.
Working Families Tax Credit (25% of federal EITC, refundable) and refundable child income tax credit.
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