Take-Home Jackpot

Sources: Federal, State and Game Rules

Every rate and rule on this site, with where it comes from and when it was last checked.

Federal (2026)

Games

States and DC

Alabama

Alabama has no state lottery, so residents must buy Powerball or Mega Millions tickets in another state. Prizes won by Alabama residents are still taxable Alabama income, at rates up to 5%. Lottery bills (SB257, HB448) died in the 2026 session. Checked Sep 26, 2026.

Alaska

Alaska has no personal income tax, so only federal tax applies to a prize won by an Alaska resident. Alaska also has no state lottery, so residents must buy tickets in another state. Checked Sep 26, 2026.

Arizona

Arizona taxes lottery prizes at its flat 2.5% income tax rate. A 2025 law (SB 1274) set gambling withholding at the top individual rate, currently 2.5%. Nonresidents who win with a ticket bought in Arizona owe Arizona tax on it as Arizona-source income. Checked Sep 26, 2026.

Arkansas

Arkansas cut its top income tax rate to 3.7% retroactive to January 1, 2026 (Act 1 of the 2026 special session, signed May 2026). The Arkansas Scholarship Lottery withholds 3.7% state tax on prizes over $5,000. Checked Sep 26, 2026.

California

California does not tax California Lottery prizes, including Powerball and Mega Millions tickets bought in California, so only federal tax applies. A California resident who wins with a ticket bought in another state owes California tax at up to 13.3% (12.3% top bracket plus 1% Behavioral/Mental Health Services Tax on income over $1 million). Checked Sep 26, 2026.

Colorado

Colorado taxes lottery prizes at its flat 4.4% income tax rate. The Colorado Lottery withholds only 4% on prizes over $5,000, so a little more is due at filing. Nonresidents must file a Colorado return on Colorado-source winnings. Checked Sep 26, 2026.

Connecticut

Connecticut withholds 6.99% state income tax from CT Lottery prizes over $5,000, and from prizes of $600 or more that are at least 300 times the wager, whatever the winner's state of residence. Jackpots are taxed at Connecticut's 6.99% top rate, which starts above $500,000 for single filers. Checked Sep 26, 2026.

Delaware

The Delaware Lottery says all winning Delaware Lottery tickets are subject to Delaware income tax (top rate 6.6%), but it does not withhold state tax at claim. It withholds only 24% federal tax on prizes over $5,000, so Delaware residents should plan to pay the state tax when they file. Not fully confirmed: Sources conflict. Some secondary sites claim Delaware exempts lottery prizes, but the official Delaware Lottery FAQ says winning tickets are subject to Delaware income tax, and Tax Foundation lists Delaware among states with zero withholding. The treatment used here: residents taxed, no withholding. Nonresidents: 30 Del. C. s.1124 lists pari-mutuel winnings but not lottery winnings as Delaware-source income, and one source says nonresidents are not taxed, so this is set to false (medium-low confidence). The 6.6% top rate is from a 2026 secondary source (2.2%-6.6%). The top-bracket threshold (believed to be $60,000) was not confirmed. Checked Sep 26, 2026.

District of Columbia

DC taxes residents' lottery prizes at rates up to 10.75% on taxable income over $1 million, but the DC Lottery withholds only 8.5% on prizes over $5,000, so more is due at filing. Federal Home Rule rules bar DC from taxing nonresidents' personal income. Non-DC winners can reclaim any DC tax withheld with Form D-40B. Checked Sep 26, 2026.

Florida

Florida has no personal income tax, so only federal tax applies. The Florida Lottery withholds 24% federal tax on prizes over $5,000 (30% without a valid SSN), and jackpot winners owe more at filing because of the 37% top bracket. Checked Sep 26, 2026.

Georgia

Georgia's flat income tax rate fell from 5.19% to 4.99% for tax year 2026 (HB 463, signed May 11, 2026). The Georgia Lottery withholds 4.99% state tax on prizes over $5,000. Georgia lottery winnings are Georgia-source income for nonresidents. Checked Sep 26, 2026.

Hawaii

Hawaii bans all gambling and has no lottery, so residents must buy tickets out of state. Hawaii taxes residents on all income wherever earned, including lottery prizes, at rates up to 11%, the highest top rate after California. Checked Sep 26, 2026.

Idaho

Idaho taxes lottery prizes at its flat 5.3% rate (cut from 5.695% by HB 40 in 2025). The Idaho Lottery automatically withholds 24% federal and 5.3% state tax on prizes over $5,000. Checked Sep 26, 2026.

Illinois

Illinois taxes lottery prizes at its flat 4.95% rate and withholds 4.95% state tax on Illinois Lottery prizes of $1,000 or more, for residents and nonresidents alike. Nonresidents who win with an Illinois ticket owe Illinois tax. Checked Sep 26, 2026.

Indiana

Indiana's flat state rate is 2.95% for 2026, and Indiana residents also owe county income tax (about 0.5%-2.9% depending on county) on prizes. The Hoosier Lottery withholds state tax on prizes over $1,200 and federal tax on prizes over $5,000. Nonresidents owe Indiana state tax on Hoosier Lottery winnings. Checked Sep 26, 2026.

Iowa

Iowa taxes lottery prizes at its flat 3.8% rate and requires 3.8% withholding on lottery winnings over $600. Nonresidents are not exempt from Iowa tax on Iowa lottery winnings. Checked Sep 26, 2026.

Kansas

Kansas has two brackets: 5.2%, and 5.58% on taxable income over $23,000 for single filers, so jackpots are taxed at 5.58%. The Kansas Lottery withholds only 5% when federal withholding applies (prizes over $5,000), so extra state tax is due at filing. Nonresidents with Kansas winnings must file a Kansas nonresident return. Checked Sep 26, 2026.

Kentucky

Kentucky's flat income tax rate fell to 3.5% on January 1, 2026, and lottery prizes are subject to it. Out-of-state winners who bought their ticket in Kentucky also owe Kentucky tax. Local occupational license taxes apply to wages and business net profits, not lottery winnings. Checked Sep 26, 2026.

Louisiana

Louisiana moved to a flat 3% individual income tax starting in 2025. The Louisiana Lottery withholds 24% federal tax on prizes over $5,000 and 3% state tax on prizes of $5,000 or more. Checked Sep 26, 2026.

Maine

Starting in 2026, Maine adds a 2% surcharge on taxable income over $1,000,000 (single) on top of its 7.15% top bracket (over $64,850 single), for an effective top rate of 9.15% on a jackpot. The Maine State Lottery withholds 7.15% state tax on prizes over $5,000, so jackpot winners will owe more at filing. Checked Sep 26, 2026.

Maryland

For prizes over $5,000 the Maryland Lottery withholds 9.5% combined state and local tax for Maryland residents, and 8.75% for nonresidents. Residents also owe county income tax based on where they live, and nonresidents who win with a Maryland ticket owe Maryland tax. Checked Sep 26, 2026.

Massachusetts

Massachusetts taxes lottery prizes as ordinary income at its 5% rate, and the 4% surtax on taxable income over about $1.08 million (indexed) brings the top rate on a jackpot to 9%. Checked Sep 26, 2026.

Michigan

Michigan taxes lottery prizes at its flat 4.25% income tax rate, which the Treasury confirmed for 2026. Residents of cities with an income tax, such as Detroit, may owe city tax too; that is not included here. Checked Sep 26, 2026.

Minnesota

Minnesota taxes lottery prizes as ordinary income; a jackpot falls almost entirely in the 9.85% top bracket. Checked Sep 26, 2026.

Mississippi

Mississippi cut its income tax rate to 4.0% on income over $10,000 for 2026. Whether the Mississippi Lottery applies a special rate to prizes could not be confirmed, so the 4.0% income tax rate is used. Not fully confirmed: 2026 rate confirmed from statute via PolicyEngine and Tax Foundation. Lottery-specific treatment (reported special 3% withholding) NOT confirmed. Checked Sep 26, 2026.

Missouri

Missouri taxes lottery prizes as ordinary income; the top rate of 4.7% applies to almost all of a jackpot. Kansas City and St. Louis earnings taxes apply to wages and business profits, not lottery prizes. Checked Sep 26, 2026.

Montana

Montana taxes lottery winnings as ordinary income. For 2026 the top rate fell from 5.9% to 5.65%, and it applies to taxable income over $47,500 for a single filer. The lottery withholds state tax from prizes over $5,000. Checked Sep 26, 2026.

Nebraska

Nebraska cut its top rate from 5.2% to 4.55% for 2026, and it applies to taxable income over $24,760 for a single filer. The lottery withholds 3.5% state tax from prizes over $5,000, for residents and nonresidents alike. Checked Sep 26, 2026.

Nevada

Nevada has no state lottery and no personal income tax. Residents who win another state's lottery owe only federal tax, plus any tax the ticket-selling state charges nonresidents. Checked Sep 26, 2026.

New Hampshire

New Hampshire has no tax on wages or lottery winnings. Its Interest and Dividends Tax was repealed from January 1, 2025, so only federal tax applies. Checked Sep 26, 2026.

New Jersey

New Jersey taxes a New Jersey Lottery prize only if that single prize is over $10,000. When it is, the whole prize is taxable, with a top rate of 10.75% on income over $1 million. The lottery withholds 5% from prizes of $10,001 to $500,000 and 8% from prizes over $500,000, and nonresidents are taxed the same way. Checked Sep 26, 2026.

New Mexico

New Mexico taxes lottery winnings as ordinary income, with a top rate of 5.9% on taxable income over $210,000 for a single filer. The New Mexico Lottery withholds 6% state tax from prizes over $5,000. Checked Sep 26, 2026.

New York

New York taxes lottery winnings at up to 10.9%. Because of its tax-benefit recapture, a very large jackpot is in effect taxed at 10.9% on the whole amount. The lottery withholds 10.9% state tax from prizes over $5,000, plus 3.876% for NYC residents or 1.82575% for Yonkers residents. Nonresidents who win more than $5,000 on a ticket bought in New York also owe New York tax. Checked Sep 26, 2026.

North Carolina

North Carolina's flat income tax fell to 3.99% for 2026. By law (G.S. 105-163.2B) the NC Education Lottery withholds state tax from any prize of $600 or more, which is a lower threshold than most states. Checked Sep 26, 2026.

North Dakota

North Dakota has low rates: 0%, 1.95% and a top rate of 2.5% on taxable income over about $250,400 for a single filer in 2026. The lottery withholds 2.5% from prizes over $5,000. Checked Sep 26, 2026.

Ohio

Ohio moved to a flat 2.75% income tax in 2026, on income above $26,050. The Ohio Lottery withholds 2.75% from reportable prizes. Many Ohio cities, such as Columbus at 2.5%, also tax lottery winnings, and nonresidents owe Ohio tax on Ohio Lottery prizes. Checked Sep 26, 2026.

Oklahoma

Under HB 2764, Oklahoma cut its top rate from 4.75% to 4.5% for 2026, and it applies to taxable income over $7,200 for a single filer. Lottery winnings are taxed as ordinary income. Checked Sep 26, 2026.

Oregon

Oregon taxes lottery winnings at up to 9.9% on taxable income over $125,000. Winners living in the Portland area may also owe the Metro SHS tax (1%) and the Multnomah County Preschool for All tax (1.5% to 3%). Checked Sep 26, 2026.

Pennsylvania

Pennsylvania taxes lottery winnings at its flat 3.07% rate. Pennsylvania Lottery cash prizes have been taxable since January 1, 2016 (Act 84 of 2016); before that they were exempt. Local earned-income taxes do not apply to lottery winnings. Checked Sep 26, 2026.

Rhode Island

Rhode Island taxes lottery winnings at up to 5.99% on taxable income over $186,450 for a single filer in 2026. A new high-income surtax on income over $1 million starts in 2027, so it does not affect 2026. Checked Sep 26, 2026.

South Carolina

South Carolina's new two-bracket system for 2026 (H.4216) taxes income at 1.99% up to $30,000 and 5.21% above that, so nearly all of a jackpot is taxed at 5.21%. Checked Sep 26, 2026.

South Dakota

South Dakota has no personal income tax, so lottery winners owe only federal tax. Checked Sep 26, 2026.

Tennessee

Tennessee has no personal income tax (the Hall tax on investment income ended in 2021), so lottery winners owe only federal tax. Checked Sep 26, 2026.

Texas

Texas has no personal income tax, so only federal tax applies to lottery winnings. Checked Sep 26, 2026.

Utah

Utah has no state lottery, but residents who win another state's lottery owe Utah's flat 4.45% income tax (cut from 4.5% for 2026). Utah generally gives a credit for tax paid to the state where the ticket was bought. Checked Sep 26, 2026.

Vermont

Vermont taxes lottery winnings at up to 8.75%, on taxable income over about $250,000 for a single filer. Vermont sells Powerball and Mega Millions through the Vermont Lottery. Checked Sep 26, 2026.

Virginia

Virginia taxes lottery winnings at up to 5.75% on taxable income over $17,000, so a jackpot is taxed at essentially 5.75%. The Virginia Lottery withholds less than that at claim, which leaves more state tax due at filing. Checked Sep 26, 2026.

Washington

Washington has no personal income tax for 2026. Its capital gains excise tax does not apply to lottery winnings, so only federal tax applies. Checked Sep 26, 2026.

West Virginia

West Virginia cut its rates again for 2026 (SB 392). The top rate is 4.58% on taxable income over $60,000. Lottery winnings are taxed as ordinary income. Checked Sep 26, 2026.

Wisconsin

Wisconsin taxes lottery winnings at up to 7.65%, on taxable income over $332,720 for a single filer in 2026. The Wisconsin Lottery withholds state tax from large prizes at claim. Checked Sep 26, 2026.

Wyoming

Wyoming has no personal income tax, so only federal tax applies. The Wyoming Lottery (WyoLotto) sells Powerball and Mega Millions. Checked Sep 26, 2026.