Last updated: 2025 BLS data · Page refreshed:
How much does a Clinical and Counseling Psychologists actually take home in Arizona?
2.5% flat rate — 25.4% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Clinical and Counseling Psychologists earning $119,010 in Arizona (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $119,010 | — |
| Federal Income Tax | -$18,100 | 15.2% |
| Arizona State Income Tax | -$2,975 | 2.5% |
| Social Security (OASDI) | -$7,378 | 6.2% |
| Medicare | -$1,725 | 1.4% |
| Total Taxes | -$30,180 | 25.4% |
| Take-Home Pay | $88,829 | 74.6% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Clinical and Counseling Psychologists in Arizona.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $61,890 | -$11,738 | $50,151 | 19.0% |
| 25th Percentile (P25) | $69,610 | -$14,220 | $55,389 | 20.4% |
| Median (P50) | $119,010 | -$30,180 | $88,829 | 25.4% |
| 75th Percentile (P75) | $141,880 | -$37,990 | $103,889 | 26.8% |
| 90th Percentile (P90) | $170,170 | -$47,554 | $122,615 | 27.9% |
After federal income tax ($18,100), state tax ($2,975), and FICA ($9,104), a Clinical and Counseling Psychologists in Arizona takes home $88,829 per year — or $7,402 per month. The effective tax rate of 25.4% is moderate compared to the national range.
With an effective total rate of 25.4%, a Clinical and Counseling Psychologists in Arizona keeps $88,830 of $119,010 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Arizona applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Clinical and Counseling Psychologists salary that contributes $2,975 to the 2.5% effective state-tax burden.
Federal income tax ($18,101) accounts for 60% of the total tax bill — the single largest deduction. FICA adds $9,104 (30%), and state tax the remaining $2,975 (10%).
Moving this same Clinical and Counseling Psychologists salary to a zero-state-tax state would yield around $91,805 net — a gain of $2,975 (3.3%) per year versus Arizona.
For Clinical and Counseling Psychologists after-tax pay, Arizona ranks #6 of 48 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $88,830 net/year works out to $7,402/month or $3,417/bi-weekly for this Clinical and Counseling Psychologists in Arizona — the numbers that actually hit a checking account after every deduction.
Where does a Clinical and Counseling Psychologists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Arizona ranks #6 out of 48 states for Clinical and Counseling Psychologists after-tax take-home pay.
A Clinical and Counseling Psychologists in Arizona earning a median salary of $119,010 will take home approximately $88,829 per year after federal income tax ($18,100), state income tax ($2,975), and FICA ($9,104). That is $7,402 per month or $3,416 per bi-weekly paycheck.
The effective total tax rate for a Clinical and Counseling Psychologists in Arizona is 25.4%, broken down as: federal income tax 15.2%, Arizona state tax 2.5%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Arizona has a 2.5% flat rate. On a Clinical and Counseling Psychologists's median salary of $119,010, the state income tax amounts to $2,975 per year, which is an effective state rate of 2.5%.
After all taxes, a Clinical and Counseling Psychologists in Arizona takes home approximately $7,402 per month, or about $42.71 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $119,010 for Clinical and Counseling Psychologists in Arizona, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Arizona state income tax (2.5% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $88,829/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR