Federal Income Tax for Virginia Residents (2026)
Federal income tax rates are identical for all US residents regardless of state. However, Virginia residents have unique financial contexts that affect their overall tax picture.
Virginia Income Context
The median household income in Virginia is $80,615. Virginia has one of the highest median household incomes nationally, driven by Northern Virginia's concentration of federal contractors, defense firms, and tech companies. The DC metro area drives Virginia's income statistics well above what most residents outside Northern Virginia experience.
Federal Tax Brackets for 2026
The federal income tax has seven brackets: 10% (up to $11,600), 12% ($11,601–$47,150), 22% ($47,151–$100,525), 24% ($100,526–$191,950), 32% ($191,951–$243,725), 35% ($243,726–$609,350), and 37% (above $609,350) for single filers in 2024.
Federal Deductions Relevant to Virginia Residents
- Standard deduction: $14,600 (single) or $29,200 (married joint) for 2024
- SALT deduction: limited to $10,000 — particularly relevant for Virginia residents who pay both state income tax and property taxes
- Mortgage interest deduction, charitable contributions, and other itemized deductions
- Above-the-line deductions: student loan interest, HSA contributions, IRA contributions
Total Tax Burden for Virginia Residents
Virginia residents pay both federal income tax and state income tax of up to 5.75%. At the state median income of $80,615, the combined effective rate is typically 15%–25% depending on deductions and credits.
Frequently Asked Questions
Do federal tax rates change based on what state I live in?
No — federal income tax rates are the same for all US residents regardless of state. All states use the same federal brackets (10% to 37%). What changes is your total tax burden when you add state income tax. Virginia residents also owe up to 5.75% in state income tax on top of federal taxes.
What is the average federal income tax refund in Virginia?
The average federal tax refund varies by income level and withholding. Nationally, the average federal refund is around $3,000. For Virginia residents (median income $80,615), typical federal refunds range from $1,500–$3,500 depending on withholding elections, credits, and deductions.
What is the federal standard deduction for 2026?
The federal standard deduction for 2024 is $14,600 for single filers and $29,200 for married filing jointly. An additional $1,550 is available for taxpayers age 65 or older. Most Virginia residents benefit from taking the standard deduction rather than itemizing.
How does the SALT deduction affect Virginia residents?
Virginia residents who itemize can deduct state and local taxes (SALT) — including their 5.75% state income tax and property taxes — but the deduction is capped at $10,000 per year. For higher earners, this cap makes itemizing less beneficial than the standard deduction.