The hidden trap: Australia has no state income tax—abolished since 1942. A $150,000 earner in California pays ~$51,000 combined (federal + 13.3% state), whereas Australia charges ~$43,000 (including 2% Medicare levy). Choose USA if: you're in a no-tax state like Texas or Florida, or earn under $60,000. Choose Australia if: you'd live in a high-tax US state, or value the 11.5% employer Super contribution.

By Daniel, Founder of CountryTaxCalc

Daniel has spent 5+ years researching tax systems across 95+ countries and all US states to make tax comparison accessible to everyone. For corrections, contact us.

Last Updated: March 2026

The Big Picture

🇺🇸 USA

37%

Federal Rate

Plus state tax 0-13%

🇦🇺 Australia

45%

Top Rate

Progressive brackets

Typical Annual Savings

At $100,000 income:

$8,000

That is $667/month back in your pocket!

Tax Savings by Income Level

IncomeUS TaxAU TaxSavings10-Year
$50,000 $4,200 (federal only)$6,717 (incl. Medicare)USA saves $2,517$25,170
$75,000 $8,700 (federal only)$13,842 (incl. Medicare)USA saves $5,142$51,420
$100,000 $14,000 (federal only)$22,217 (incl. Medicare)USA saves $8,217 (no-tax state)$82,170
$150,000 $26,000 (federal only)$38,842 (incl. Medicare)USA saves $12,842 (no-tax state)$128,420
$100,000 (CA) $23,300 (fed + CA 9.3%)$22,217 (incl. Medicare)Australia saves $1,083$10,830
$150,000 (CA) $40,000 (fed + CA 9.3%)$38,842 (incl. Medicare)Australia saves $1,158$11,580
💡

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USA Pros and Cons

✅ Pros

  • No-tax states: Texas, Florida, Nevada = 0% state income tax
  • Foreign Earned Income Exclusion: Exclude up to $130,000+ if living abroad
  • Lower top federal rate (37%) than Australia's 45%
  • Higher standard deduction ($14,600 single, 2026)

❌ Cons

  • High-tax states add 9-13%: California (13.3%), NYC (12.7%)
  • Healthcare costs are massive without employer coverage
  • US citizens taxed on worldwide income even living abroad

Australia Pros and Cons

✅ Pros

  • No state income tax anywhere in Australia (abolished 1942)
  • Mandatory 11.5% employer Super contribution (retirement)
  • $18,200 tax-free threshold vs USA's $0 threshold
  • Medicare included via 2% levy (no insurance needed)

❌ Cons

  • Higher top rate: 45% + 2% Medicare levy = 47%
  • Non-residents pay 30% from dollar one (no threshold)
  • Cost of living in Sydney/Melbourne significantly higher

Frequently Asked Questions

Q: How much tax will I pay in USA vs Australia at $100,000?

At $100,000: USA federal tax is roughly $14,000, plus state tax (0% in Texas, $9,300 in California). Australia charges about $22,000 including the 2% Medicare levy. So USA wins in no-tax states, but loses in high-tax states like California where total reaches $23,300.

Q: Do US citizens pay taxes when living in Australia?

Yes—US citizens must file Form 1040 reporting worldwide income regardless of where they live. The Foreign Tax Credit usually eliminates US liability since Australian rates are higher. The FEIE can exclude up to $130,000+ of earned income. You'll file both Australian and US returns annually.

Q: What's the real difference including healthcare?

Australia's 2% Medicare levy covers universal healthcare. In the USA, employer health insurance averages $6,000-$12,000/year employee cost. Add this to the tax comparison: a $100,000 Californian might pay $23,300 taxes + $8,000 healthcare = $31,300 total, vs Australia's $22,000 all-inclusive.

Q: Does Australia have state income tax?

No—Australia abolished state income taxes in 1942 and never brought them back. This is the biggest advantage over the USA: Sydney and Melbourne have 0% state tax. Compare to California (13.3%), New York City (12.7%), or New Jersey (10.75%). For high earners, this alone can mean $15,000+ annual savings.

Q: What's Australian Superannuation and why does it matter?

Super is mandatory employer retirement contributions—currently 11.5% of salary, rising to 12% by 2025. Unlike US 401(k) which is optional and averages 3-6% match, every Australian employee automatically builds significant retirement savings. On a $100,000 salary, that's $11,500/year your employer pays into your retirement.

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