Realtor.com
The White House has introduced a new interactive map showing how much Americans in each state could save through President Donald Trump’s One Big Beautiful Bill Act.
It details the anticipated financial benefits Americans can expect, compared with if the bill had not been signed into law, which is helpful to those who have questions about the real-life effect on their finances.
“The tax package that was passed is a big bill, and it will have a far-reaching impact,” says Danielle Hale, chief economist of Realtor.com®. “Perhaps most tangibly for households, the 2017 tax rate cuts that were set to expire were retained, helping to avoid a decrease in take-home incomes that might have occurred if the prior cuts had lapsed.”
A state-by-state breakdown in savings, according to the White House
The new breakdown covers anticipated real-wage increases, which are understood as the increase to a worker’s income after accounting for inflation, as well as a family’s expected real take-home pay increase.
It also covers how many seniors are expected to benefit from Social Security not being taxed—which the White House says is 88% of all seniors who receive Social Security.
The map also reveals how many “Opportunity Zone” housing units will be created in each state.
“This tracks residential construction or rehabilitation projects in federally designated low-income areas,” says CPA and attorney Chad D. Cummings. “These zones allow investors—often high net worth individuals or private equity firms—to receive substantial capital gains tax breaks in exchange for placing funds in underserved communities.”
(Realtor.com )
So, how does your state measure up?
Alabama
Real-wage increase: $3,100-$5,600
Real take-home pay increase: $6,700-$9,300
Number of seniors benefiting from no tax on Social Security: 900,000
Opportunity Zone housing units created: 5,800
Alaska
Real-wage increase: $4,100-$7,400
Real take-home pay increase: $7,700-$11,200
Number of seniors benefiting from no tax on Social Security: 100,000
Opportunity Zone housing units created: 700
Arizona
Real-wage increase: $3,800-$6,800
Real take-home pay increase: $7,400-$10,600
Number of seniors benefiting from no tax on Social Security: 1.3 million
Opportunity Zone housing units created: 6,400
Arkansas
Real-wage increase: $2,900-$5,300
Real take-home pay increase: $6,500-$9,000
Number of seniors benefiting from no tax on Social Security: 500,000
Opportunity Zone housing units created: 2,200
California
Real-wage increase: $4,900-$8,800
Real take-home pay increase: $8,500-$12,500
Number of seniors benefiting from no tax on Social Security: 6 million
Opportunity Zone housing units created: 37,000
Colorado
Real-wage increase: $4,500-$8,100
Real take-home pay increase: $8,100-$11,900
Number of seniors benefiting from no tax on Social Security: 1 million
Opportunity Zone housing units created: 4,000
Connecticut
Real-wage increase: $4,700-$8,500
Real take-home pay increase: $8,300-$12,300
Number of seniors benefiting from no tax on Social Security: 700,000
Opportunity Zone housing units created: 3,300
Delaware
Real-wage increase: $4,000-$7,100
Real take-home pay increase: $7,600-$10,900
Number of seniors benefiting from no tax on Social Security: 200,000
Opportunity Zone housing units created: 800
Florida
Real-wage increase: $3,700-$6,800
Real take-home pay increase: $7,300-$10,500
Number of seniors benefiting from no tax on Social Security: 4.8 million
Opportunity Zone housing units created: 16,000
Georgia
Real-wage increase: $3,700-$6,700
Real take-home pay increase: $7,300-$10,500
Number of seniors benefiting from no tax on Social Security: 1.8 million
Opportunity Zone housing units created: 8,600
Hawaii
Real-wage increase: $4,500-$8,100
Real take-home pay increase: $8,100-$11,900
Number of seniors benefiting from no tax on Social Security: 300,000
Opportunity Zone housing units created: 800
Idaho
Real-wage increase: $3,600-$6,400
Real take-home pay increase: $7,200-$10,200
Number of seniors benefiting from no tax on Social Security: 300,000
Opportunity Zone housing units created: 700
Illinois
Real-wage increase: $4,000-$7,200
Real take-home pay increase: $7,600-$11,000
Number of seniors benefiting from no tax on Social Security: 2 million
Opportunity Zone housing units created: 13,000
Indiana
Real-wage increase: $3,300-$6,000
Real take-home pay increase: $6,900-$9,700
Number of seniors benefiting from no tax on Social Security: 1.2 million
Opportunity Zone housing units created: 5,600
Iowa
Real-wage increase: $3,400-$6,100
Real take-home pay increase: $7,000-$9,900
Number of seniors benefiting from no tax on Social Security: 600,000
Opportunity Zone housing units created: 1,600
Kansas
Real-wage increase: $3,400-$6,100
Real take-home pay increase: $7,000-$9,900
Number of seniors benefiting from no tax on Social Security: 500,000
Opportunity Zone housing units created: 2,000
Kentucky
Real-wage increase: $3,000-$5,400
Real take-home pay increase: $6,600-$9,200
Number of seniors benefiting from no tax on Social Security: 800,000
Opportunity Zone housing units created: 3,800
Louisiana
Real-wage increase: $3,000-$5,400
Real take-home pay increase: $6,600-$9,200
Number of seniors benefiting from no tax on Social Security: 700,000
Opportunity Zone housing units created: 5,500
Maine
Real-wage increase: $3,500-$6,300
Real take-home pay increase: $7,100-$10,100
Number of seniors benefiting from no tax on Social Security: 300,000
Opportunity Zone housing units created: 800
Maryland
Real-wage increase: $4,700-$8,400
Real take-home pay increase: $8,300-$12,200
Number of seniors benefiting from no tax on Social Security: 1 million
Opportunity Zone housing units created: 5,700
Massachusetts
Real-wage increase: $5,000-$9,000
Real take-home pay increase: $8,600-$12,800
Number of seniors benefiting from no tax on Social Security: 1.1 million
Opportunity Zone housing units created: 5,500
Michigan
Real-wage increase: $3,400-$6,100
Real take-home pay increase: $7,000-$9,900
Number of seniors benefiting from no tax on Social Security: 1.7 million
Opportunity Zone housing units created: 10,000
Minnesota
Real-wage increase: $4,100-$7,400
Real take-home pay increase: $7,700-$11,100
Number of seniors benefiting from no tax on Social Security: 1 million
Opportunity Zone housing units created: 4,100
Mississippi
Real-wage increase: $2,800-$5,000
Real take-home pay increase: $6,400-$8,700
Number of seniors benefiting from no tax on Social Security: 500,000
Opportunity Zone housing units created: 2,500
Missouri
Real-wage increase: $3,400-$6,100
Real take-home pay increase: $7,000-$9,800
Number of seniors benefiting from no tax on Social Security: 1 million
Opportunity Zone housing units created: 5,800
Montana
Real-wage increase: $3,400-$6,100
Real take-home pay increase: $7,000-$9,900
Number of seniors benefiting from no tax on Social Security: 200,000
Opportunity Zone housing units created: 500
Nebraska
Real-wage increase: $3,700-$6,600
Real take-home pay increase: $7,300-$10,300
Number of seniors benefiting from no tax on Social Security: 300,000
Opportunity Zone housing units created: 1,600
Nevada
Real-wage increase: $3,700-$6,700
Real take-home pay increase: $7,300-$10,500
Number of seniors benefiting from no tax on Social Security: 500,000
Opportunity Zone housing units created: 2,600
New Hampshire
Real-wage increase: $4,500-$8,100
Real take-home pay increase: $8,100-$11,900
Number of seniors benefiting from no tax on Social Security: 300,000
Opportunity Zone housing units created: 700
New Jersey
Real-wage increase: $5,000-$9,000
Real take-home pay increase: $8,600-$12,700
Number of seniors benefiting from no tax on Social Security: 1.6 million
Opportunity Zone housing units created: 6,600
New Mexico
Real-wage increase: $3,100-$5,600
Real take-home pay increase: $6,700-$9,300
Number of seniors benefiting from no tax on Social Security: 400,000
Opportunity Zone housing units created: 1,900
New York
Real-wage increase: $4,400-$8,000
Real take-home pay increase: $8,000-$11,700
Number of seniors benefiting from no tax on Social Security: 3.3 million
Opportunity Zone housing units created: 22,000
North Carolina
Real-wage increase: $3,500-$6,400
Real take-home pay increase: $7,100-$10,100
Number of seniors benefiting from no tax on Social Security: 1.9 million
Opportunity Zone housing units created: 8,100
North Dakota
Real-wage increase: $3,600-$6,400
Real take-home pay increase: $7,200-$10,200
Number of seniors benefiting from no tax on Social Security: 100,000
Opportunity Zone housing units created: 700
Ohio
Real-wage increase: $3,400-$6,100
Real take-home pay increase: $7,000-$9,800
Number of seniors benefiting from no tax on Social Security: 2.1 million
Opportunity Zone housing units created: 13,000
Oklahoma
Real-wage increase: $3,100-$5,600
Real take-home pay increase: $6,700-$9,300
Number of seniors benefiting from no tax on Social Security: 600,000
Opportunity Zone housing units created: 3,500
Oregon
Real-wage increase: $3,900-$7,000
Real take-home pay increase: $7,500-$10,700
Number of seniors benefiting from no tax on Social Security: 800,000
Opportunity Zone housing units created: 2,800
Pennsylvania
Real-wage increase: $3,700-$6,700
Real take-home pay increase: $7,300-$10,400
Number of seniors benefiting from no tax on Social Security: 2.3 million
Opportunity Zone housing units created: 12,000
Rhode Island
Real-wage increase: $4,100-$7,400
Real take-home pay increase: $7,700-$11,100
Number of seniors benefiting from no tax on Social Security: 200,000
Opportunity Zone housing units created: 1,100
South Carolina
Real-wage increase: $3,300-$6,000
Real take-home pay increase: $6,900-$9,800
Number of seniors benefiting from no tax on Social Security: 1 million
Opportunity Zone housing units created: 3,900
South Dakota
Real-wage increase: $3,500-$6,300
Real take-home pay increase: $7,100-$10,000
Number of seniors benefiting from no tax on Social Security: 200,000
Opportunity Zone housing units created: 600
Tennessee
Real-wage increase: $3,400-$6,100
Real take-home pay increase: $7,000-$9,900
Number of seniors benefiting from no tax on Social Security: 1.2 million
Opportunity Zone housing units created: 6,000
Texas
Real-wage increase: $3,900-$6,900
Real take-home pay increase: $7,500-$10,700
Number of seniors benefiting from no tax on Social Security: 4 million
Opportunity Zone housing units created: 20,000
Utah
Real-wage increase: $4,300-$7,700
Real take-home pay increase: $7,900-$11,400
Number of seniors benefiting from no tax on Social Security: 400,000
Opportunity Zone housing units created: 1,700
Vermont
Real-wage increase: $3,800-$6,900
Real take-home pay increase: $7,400-$10,600
Number of seniors benefiting from no tax on Social Security: 100,000
Opportunity Zone housing units created: 500
Virginia
Real-wage increase: $4,400-$8,000
Real take-home pay increase: $8,000-$11,800
Number of seniors benefiting from no tax on Social Security: 1.5 million
Opportunity Zone housing units created: 7,500
Washington
Real-wage increase: $4,700-$8,400
Real take-home pay increase: $8,300-$12,200
Number of seniors benefiting from no tax on Social Security: 1.2 million
Opportunity Zone housing units created: 4,500
West Virginia
Real-wage increase: $2,800-$5,000
Real take-home pay increase: $6,400-$8,700
Number of seniors benefiting from no tax on Social Security: 400,000
Opportunity Zone housing units created: 7,000
Wisconsin
Real-wage increase: $3,500-$6,400
Real take-home pay increase: $7,100-$10,100
Number of seniors benefiting from no tax on Social Security: 1.1 million
Opportunity Zone housing units created: 4,200
Wyoming
Real-wage increase: $3,400-$6,100
Real take-home pay increase: $7,000-$9,800
Number of seniors benefiting from no tax on Social Security: 100,000
Opportunity Zone housing units created: 600
‘Real wages’ are up across the country
The main metric on the White House’s interactive map is “real wages”—but what does that mean?
“The featured ‘real wage pay increase’ metric refers to growth in inflation-adjusted earnings,” says Cummings. “In practical terms, it reflects the change in workers’ take-home pay after accounting for rising consumer prices.”
While nominal wages might rise, only increases that outpace inflation represent true gains in purchasing power, according to Cummings.
“By emphasizing ‘real’ wages, the administration seeks to frame the bill as a material improvement for working households. Though, the broader inflation environment complicates that narrative,” says Cummings. “This, alone, is not a bad thing, as it is intended to account for the erosion of purchasing power as a result of the accretive effects of inflation in recent years.”
The top states positioned to see the biggest increases in “real wages,” according to the White House, are New Jersey, Massachusetts, California, Maryland, and Connecticut.
Who is the OBBBA really benefiting?
While the Trump administration maintains everyday Americans will benefit most from the changes, critics insist that those who stand to gain the most from the bill include corporate America, manufacturers, and high-income Americans.
They say the groups who will be worse off are hospitals; clean energy and EV companies; and low-income Americans, mostly due to the cuts to programs such as Medicaid.
“For my clients, all of whom are disabled, unable to work, or living on fixed incomes, the bill offers little immediate relief,” says Michael Liner, head disability lawyer and founder of Liner Legal. “The structure of the bill appears to heavily favor wealthier individuals and corporations in the long run. If the goal is to truly uplift working-class Americans, we need targeted support, expanded access to health care, housing, and disability benefits, not just broad tax cuts that disproportionately reward those already at the top.”
In response to the OBBBA being called “just a tax break for billionaires,” the White House released the following statement: “The One Big Beautiful Bill delivers the largest middle- and working class tax cut in U.S. history. The President’s legislation will put more than $10,000 a year back in the pockets of typical hardworking families. This is the most pro-growth, pro-worker, pro-family legislation ever crafted.”
But Cummings says it’s more complicated than that—as “there has been some serious controversy regarding the OBBBA and its benefactors,” he explains.
“While working families may see modest relief through the standard deduction and child tax credit changes, the structure of the bill prioritizes capital (big business) over labor (small business and individuals),” says Cummings. “The administration’s framing of the law as ‘pro-worker’ is political-speak to obscure the fact that the largest gains are realized by those with concentrated wealth and investment income. The policy bet is that economic benefits will trickle down through private investment. Of course, whether that manifests or not is another story.”