California, Hawaii, Maryland and Oregon are the states that will take the biggest bite out of your earnings after taxes, according to a new analysis.

Researchers at GoBankingRates analyzed tax data in each state to determine how much money is left over after federal and state taxes for Americans with a $50,000 vs. $200,000 salary.

Nationwide, someone with a $50,000 salary takes home an average of $39,129 each year – or $3,261 per month. The national average income after taxes for someone with a $200,000 salary is $136,700, or $11,392 a month.

People making $200,000 a year are in the top 10 percent of U.S. earners, while those earning $50,000 are more on par with the average American, given the median U.S. salary of $56,516.

This map illustrates the post-tax take home salary for people earning $50,000 in each state. The darker shade of green illustrates a lower income tax, while lighter colors represent states with higher income tax rates

Wherever you fall on the spectrum, the reality of take home pay will vary depending on the state in which you live.

California has a progressive tax rate ranging from 1 – 13.3 percent depending on how much you earn – making it one of the highest taxed states in the nation.

Similarly, Hawaii has a tax rate ranging from 1.4-11 percent, while Oregon’s falls between 5-9.9 percent and Maryland’s ranges from 2-5.75 percent.

Ultimately, Oregon has the lowest take home salary in the nation for earners in both categories: a $50,000 salary adds up to $37,345 after taxes, while a $200,000 salary amounts to $127,720 in take home pay.

The state offsets its high income taxes by being one of just five states that don't have a sales tax.

This map illustrates the post-tax take home salary for people earning $200,000 in each state. The darker shade of green illustrates a lower income tax, while lighter colors represent states with higher income tax rates

Meanwhile, Californians take home less as their salaries grow; a $50,000 earner get $38,778 after taxes, only slightly less than the national average. But people making $200,000 would have a take home of $127,819 – second-lowest in the nation for that level of earnings.

Shrinking Tax Returns The IRS recently released data showing the average federal tax refund in the first filing week for 2019 was down compared the same time in 2018. Total refunds were on average $1,865 for individuals in 2019 while it was $2,035 in 2018, meaning single people have lost out on about $170 or 8.4 percent. The numbers are tough news for many Americans, following the passage of the 2017 Tax Cuts and Jobs Act - which the Trump administration said would result in lower taxes for the working class in 2018. Advertisement

Hawaii, on the other hand, has the third-lowest take home rates in the U.S. for $50,000 earners: $37,431. By comparison a $200,000 salary gets you $130,553 after taxes in Hawaii, nearly $7,000 below the national average.

Maryland is a tough place for people making $50,000 a year, with the second-lowest take home pay for that range: $37,401. Higher earners are also on the low-end of the spectrum with a $129,952 take home salary.

Eight states have zero income tax, including: Wyoming, Washington, Texas, Tennessee, South Dakota, New Hampshire, Nevada and Florida, resulting in take homes of $40,963 among earners making $50,000 a year, and $145,962 for those with a $200,000 salary.

Alaska doesn’t have an income tax, but has a state unemployment insurance tax, bringing it in ninth place for take home salaries of $40,765 and $145,764.

States without an income tax often need to generate revenues in other ways. For example, Washington State has a 9.18 percent sales tax - the fourth highest in the nation.