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HEAD-TO-HEAD TAX COMPARISON · 2026

COUNTRY A Georgia VS COUNTRY B Wisconsin

Side-by-side analysis of income tax, effective rates, and take-home pay for Georgia and Wisconsin in 2026.

OVERVIEW
Georgia's flat 4.99% income tax rate beats Wisconsin's progressive rates (which climb to 7.65% on income above $323,290) at every income level tested. At $100,000 income, Georgia's state tax bill ($3,388) is $472/year lower than Wisconsin's ($3,860), and the gap widens to nearly $5,500/year at $500,000. Georgia also has a meaningfully lower average property tax rate (~0.87%) than Wisconsin (~1.85%, among the highest in the country), so Georgia wins comfortably on both income and property tax for most households. Neither state has a local income tax anywhere. On retirement income, Georgia offers a substantial $65,000 retirement-income exclusion per person for residents 65 and older (on top of Social Security being exempt), while Wisconsin exempts Social Security but offers no special deduction for private pensions or 401(k)/IRA withdrawals, taxing them at its regular progressive rates.
Section 01

The Big Picture

Top-line rates and effective take-home for a typical earner — including income tax, social contributions, and applicable surcharges.

🍑
COUNTRY A
Georgia
TAX RATE
4.99%
Flat Tax
Flat 4.99% state rate on all income above the standard deduction; no local income tax
🧀
COUNTRY B
Wisconsin
TAX RATE
3.5-7.65%
4-Bracket Progressive
Four brackets from 3.5% to 7.65%, with the top rate starting at $323,290 of taxable income
TYPICAL ANNUAL DIFFERENCE
Moving from WisconsinGeorgia at $100,000
$472
That's $39/month back in your pocket
Section 02

Tax Savings by Income Level

Net take-home after all income tax, social contributions, and surcharges — for a single employee with no dependents.
GROSS INCOME
🍑 GA TAX
🧀 WI TAX
SAVINGS
10-YEAR
$50,000
$893
$1,359
$466
$4,660
$75,000
$2,141
$2,535
$394
$3,940
$100,000
$3,388
$3,860
$472
$4,720
$150,000
$5,883
$6,510
$627
$6,270
$250,000
$10,873
$11,810
$937
$9,370
$500,000
$23,348
$28,835
$5,487
$54,870
💡

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🍑

Georgia Pros & Cons

+ PROS
  • Flat 4.99% state income tax beats Wisconsin's progressive rate at every income level — saving $394 to $5,487/year
  • Substantial retirement-income exclusion: up to $65,000 per person for residents 65 and older, on top of a full Social Security exemption
  • Lower average property tax (~0.87%) than Wisconsin (~1.85%, among the highest in the nation) — wins on both income and property tax
  • No local income tax anywhere, and a growing, diversified economy anchored by Atlanta (logistics, film, fintech)
− CONS
  • Flat tax applies from the first dollar above the standard deduction, offering less relief to very low earners than a graduated system might
  • Atlanta traffic congestion ranks among the worst in the country
  • Hot, humid summers and hurricane-adjacent coastal exposure compared to Wisconsin's cooler climate
  • Smaller manufacturing base than Wisconsin outside metro Atlanta
🧀

Wisconsin Pros & Cons

+ PROS
  • Social Security income is fully exempt from Wisconsin state tax
  • Strong manufacturing, agriculture, and healthcare job base, plus University of Wisconsin-Madison's research economy
  • Great Lakes and outdoor-recreation lifestyle appeal (fishing, hunting, Door County tourism)
  • Lower cost of living than many Midwest and coastal peers despite higher property taxes
− CONS
  • Progressive rates from 3.5% to 7.65% cost $394 to $5,487/year more than Georgia's flat 4.99% at every income level tested
  • Among the highest average property tax rates in the country (~1.85%) versus Georgia's ~0.87% — compounds the income-tax disadvantage for homeowners
  • No special deduction for private pensions or 401(k)/IRA withdrawals — these are taxed in full at regular rates, unlike Georgia's $65,000 retirement exclusion
  • Long, cold winters compared to Georgia's mild year-round climate
FAQ

Frequently Asked Questions

Is Georgia or Wisconsin cheaper for state income tax?

Georgia is cheaper at every income level tested. At $100,000, Georgia's flat 4.99% costs $3,388 versus Wisconsin's progressive rate at $3,860 — a $472/year difference. At $500,000, the gap grows to about $5,487/year because Wisconsin's top 7.65% bracket applies to income above $323,290.

Which state has lower property tax, Georgia or Wisconsin?

Georgia has the much lower average effective property tax rate at roughly 0.87%, compared to Wisconsin's roughly 1.85% — among the highest in the country. On a $400,000 home, that's about $3,480/year in Georgia versus $7,400/year in Wisconsin, a savings of about $3,920/year on top of Georgia's income-tax advantage.

Does either state tax retirement income like 401(k) and IRA withdrawals?

Georgia offers a substantial $65,000 retirement-income exclusion per person for residents 65 and older, covering pensions, 401(k), and IRA withdrawals, on top of a full Social Security exemption. Wisconsin exempts Social Security but has no comparable deduction — private pensions and retirement account withdrawals are taxed in full at Wisconsin's regular progressive rates. Georgia is substantially more retirement-friendly.

How much would I save moving from Wisconsin to Georgia?

At $100,000 income, moving from Wisconsin to Georgia could save about $472/year in state income tax, plus meaningful savings on property tax given Georgia's much lower average rate. At $250,000 income, the income-tax savings alone grow to about $937/year, and property tax savings on a comparable home would add further to that.

Why is Wisconsin's top tax rate so much higher?

Wisconsin uses a four-bracket progressive system topping out at 7.65% for taxable income above $323,290. While that top rate only applies to income above the threshold, the combination of that top bracket and a 1.85% average property tax rate makes Wisconsin costlier than Georgia's flat 4.99% at every income level tested, from $50,000 to $500,000.

Is Atlanta or Wisconsin's Madison/Milwaukee better for job opportunities?

Atlanta has a large, diversified economy spanning logistics (Delta, UPS), film and media production, and a growing fintech sector, plus one of the busiest airports in the world. Wisconsin's Madison (state government, University of Wisconsin, biotech) and Milwaukee (manufacturing, healthcare) offer strong but smaller job markets, typically at a somewhat lower cost of living than Atlanta.

Does Georgia or Wisconsin have an estate or inheritance tax?

Neither state levies an estate or inheritance tax. This makes the comparison simpler than in states like Pennsylvania, where inheritance tax matters for non-spouse heirs — for Georgia and Wisconsin, the income tax and property tax differences are the primary drivers of the overall tax comparison.

How does the property tax gap change the overall winner?

Georgia wins on both income tax and property tax, so there's no crossover point favoring Wisconsin at any typical income or home value. A Georgia household earning $100,000 with a $400,000 home would pay roughly $472/year less in income tax and roughly $3,920/year less in property tax than an equivalent Wisconsin household — a combined advantage of about $4,392/year for Georgia.