A $1 million lottery prize after taxes, state by state
The second prize of Powerball, a top instant prize, a state lotto jackpot: one million dollars is the most common large win. Here is what it leaves.
- Federal tax, single
- $337,180
- Withheld
- $240,000
- States taking nothing
- 8
Highest state tax: Oregon
$98,219
On $1,000,000, a resident who buys at home pays from $0 (California and other states with no tax on the prize) to $98,219 in state tax, before any city tax.
| Federal tax, same everywhere | $337,180 |
| After tax in California | $662,820 |
| After tax in Oregon | $564,601 |
| State | State tax | Rate on the prize | After all taxes |
|---|---|---|---|
| Alabama | no lottery | ||
| Alaska | no lottery | ||
| Arizona | $25,000 | 2.5 % | $637,820 |
| Arkansas | $37,000 | 3.7 % | $625,820 |
| California | $0 | 0.0 % | $662,820 |
| Colorado | $44,000 | 4.4 % | $618,820 |
| Connecticut | $71,469 | 7.1 % | $591,351 |
| Delaware | $65,966 | 6.6 % | $596,854 |
| District of Columbia | $94,475 | 9.4 % | $568,345 |
| Florida | $0 | 0.0 % | $662,820 |
| Georgia | $49,900 | 5.0 % | $612,920 |
| Hawaii | no lottery | ||
| Idaho | $53,000 | 5.3 % | $609,820 |
| Illinois | $49,500 | 5.0 % | $613,320 |
| Indiana | $29,500 | 3.0 % | $633,320 |
| Iowa | $38,000 | 3.8 % | $624,820 |
| Kansas | $55,800 | 5.6 % | $607,020 |
| Kentucky | $35,000 | 3.5 % | $627,820 |
| Louisiana | $30,000 | 3.0 % | $632,820 |
| Maine | $72,177 | 7.2 % | $590,643 |
| Maryland | $59,429 | 5.9 % | $603,391 |
| Massachusetts | $50,000 | 5.0 % | $612,820 |
| Michigan | $42,500 | 4.3 % | $620,320 |
| Minnesota | $94,651 | 9.5 % | $568,168 |
| Mississippi | not confirmed | ||
| Missouri | $47,000 | 4.7 % | $615,820 |
| Montana | $56,500 | 5.7 % | $606,320 |
| Nebraska | $45,500 | 4.6 % | $617,320 |
| Nevada | no lottery | ||
| New Hampshire | $0 | 0.0 % | $662,820 |
| New Jersey | $79,201 | 7.9 % | $583,619 |
| New Mexico | $57,487 | 5.7 % | $605,333 |
| New York | $66,920 | 6.7 % | $595,899 |
| North Carolina | $39,900 | 4.0 % | $622,920 |
| North Dakota | $23,953 | 2.4 % | $638,867 |
| Ohio | $27,500 | 2.8 % | $635,320 |
| Oklahoma | $45,000 | 4.5 % | $617,820 |
| Oregon | $98,219 | 9.8 % | $564,601 |
| Pennsylvania | $30,700 | 3.1 % | $632,120 |
| Rhode Island | $58,728 | 5.9 % | $604,091 |
| South Carolina | $52,100 | 5.2 % | $610,720 |
| South Dakota | $0 | 0.0 % | $662,820 |
| Tennessee | $0 | 0.0 % | $662,820 |
| Texas | $0 | 0.0 % | $662,820 |
| Utah | no lottery | ||
| Vermont | $84,614 | 8.5 % | $578,206 |
| Virginia | $57,500 | 5.8 % | $605,320 |
| Washington | $0 | 0.0 % | $662,820 |
| West Virginia | $45,793 | 4.6 % | $617,027 |
| Wisconsin | $69,687 | 7.0 % | $593,133 |
| Wyoming | $0 | 0.0 % | $662,820 |
Compiled by Radif Partners · How we calculate · brackets, state rates and lottery rules read on official sites · estimate, not tax advice
A $1,000,000 lottery prize is taxed as ordinary income of the year it is paid. For a single filer with $60,000 of other income, the federal tax at the 2026 brackets is $337,180, of which the lottery withholds $240,000, so $97,180 is due with the return. A married couple filing jointly with $120,000 of wages pays $314,611. Then comes the state. In 8 states the state takes nothing from a resident who wins on a ticket bought at home, either because there is no income tax or, as in California, because the state exempts their own lottery. At the other end, Oregon takes $98,219 and Minnesota $94,651. A New York City resident also pays the city and keeps $557,139, against $662,820 in Texas. A Pennsylvanian who won on a New Jersey ticket keeps $586,382, after New Jersey's nonresident tax and Pennsylvania's credit.
One prize in all 51 jurisdictions
Highest state tax: Oregon
$98,219
| Federal tax, same everywhere | $337,180 |
| After tax in California | $662,820 |
| After tax in Oregon | $564,601 |
The federal part, line by line
The prize is added to your other income. With $60,000 of wages and the $16,100 standard deduction, a single filer's taxable income goes from $43,900 to $1,043,900. The prize therefore climbs through the 22 %, 24 %, 32 % and 35 % brackets and ends in the 37 % bracket, which starts at $640,600 (Rev. Proc. 2025-32). The tax on the prize alone, the difference between the year with it and without it, is $337,180, or 33.7 % of the prize. Someone with no other income pays $320,000, a little less, because the first brackets are then filled by the prize itself.
The lottery withholds 24 %, $240,000 (Form W-2G instructions). The $97,180 difference is the most common surprise of a $1,000,000 win: it is due with the 2026 return, and estimated payments avoid a penalty.
The states that take the most
| State | State tax on the prize | Rate | Kept after all taxes |
|---|---|---|---|
| Oregon | $98,219 | 9.82 % | $564,601 |
| Minnesota | $94,651 | 9.47 % | $568,168 |
| District of Columbia | $94,475 | 9.45 % | $568,345 |
| Vermont | $84,614 | 8.46 % | $578,206 |
| New Jersey | $79,201 | 7.92 % | $583,619 |
| Maine | $72,177 | 7.22 % | $590,643 |
| Connecticut | $71,469 | 7.15 % | $591,351 |
| Wisconsin | $69,687 | 6.97 % | $593,133 |
The ranking follows each state's rate at the top of its schedule, because a $1,000,000 prize reaches it in every state. The full table of 51 jurisdictions is on lottery tax by state, and each large state has its own page, for example California and New York.
State withholding against the state bill
State lotteries withhold too, but rarely the full state tax. Oregon withholds 8 % of the prize, $80,000, against an Oregon tax of $98,219 on it; Minnesota withholds 7.25 %, $72,500, against $94,651. The state balance is due with the state return, on the same calendar as the federal one. Adding both gaps gives the amount to set aside the day the check arrives: in Oregon, $115,399 in all on a $1,000,000 prize. Lottery tax withholding lists the rate of every state lottery, including those whose official pages give none.
The states that take nothing
On a prize from a ticket bought at home, the state tax is zero in California, Florida, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. Most have no personal income tax; California taxes its residents but exempts prizes of the California Lottery. The zero is not universal: a resident of one of these states who bought the ticket elsewhere can owe that other state's nonresident tax, and a Californian is taxed by California on a prize won in another state.
Where the $1,000,000 sits among the brackets
A $1,000,000 prize is the size at which the federal schedule matters most. Below a few hundred thousand dollars, much of a prize stays in the middle brackets and the 24 % withholding comes close to the tax. Far above, as with a jackpot, nearly every dollar is taxed at 37 %. At $1,000,000, 59.67 % of the prize is still taxed below the top rate for a single filer with $60,000 of wages (in the 35 % bracket and lower), and more for a couple, whose 37 % bracket starts at $768,700. That is why filing status and other income move the result by tens of thousands of dollars here, and by a negligible share on a jackpot.
City and county
New York City residents add the city tax, $38,760 on this prize, on top of New York State's $66,920. Maryland residents pay their county's rate, and Yonkers residents a surcharge on their state tax. New York City lottery tax and Maryland lottery tax give the figures.
A ticket bought across the state line
The Pennsylvanian of the summary bought the ticket in New Jersey, which taxes prizes of its lottery above $10,000, residents and nonresidents alike. New Jersey's tax on the prize is $76,438; Pennsylvania's own tax would be $30,700, and its credit (PA-40 Schedule G-L (Resident Credit for Taxes Paid)) removes up to that amount. The winner ends up paying close to the higher of the two. The credit for taxes paid to another state explains the limit.
Paid at once, not in installments
A fixed $1,000,000 prize, such as the Powerball prize for matching the five white balls, has no annuity option: it is paid in one sum and taxed in one year. Married winners can file jointly, which lowers the tax a little: $314,611 for the couple of the summary. A winner who plans gifts to family should know that gifts above the yearly exclusion require a gift tax return; that is outside this calculator. The figures are estimates, not tax advice, and a $1,000,000 prize remains rare by design; if playing is no longer a game, call 1-800-MY-RESET.