Utah State Tax on Lottery Winnings
Free Utah lottery tax calculator for Powerball and Mega Millions. Utah taxes lottery winnings at 4.50% (top marginal rate).
Current Powerball $516M jackpot, single filer
$124.42M
Actual take-home: 24.1% of what they advertise
Note: Utah does not sell Powerball or Mega Millions tickets
State Lottery
No state lottery
Utah does not operate a state lottery
State Budget FY2024
$25.0B
~$7,353 per resident ↗
What You'd Actually Take Home.
Lottery Tax Calculator for Powerball, Mega Millions, and Every State.
Pick your game, state, and filing status to see what you'd really keep after taxes.
Standard deduction: $16,100. All lottery income is taxed at your individual rate. This is the most common filing status for winners.
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10 states · no lottery taxHighest: Hawaii, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New York, Oregon, Washington DC
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What to Know Before Claiming a Jackpot in Utah
Utah has no state lottery. The Utah Constitution prohibits lotteries, and the state bans nearly all gambling, so there are no tickets to buy in state. Residents cross into Idaho, Wyoming, Colorado, Arizona, or Nevada to play. Utah then taxes its residents on a lottery prize won on an out-of-state ticket at its flat 4.5% rate, with a credit for income tax paid to the state where the ticket was bought. A ticket bought in Wyoming or Nevada, which do not tax the prize, leaves the full 4.5% Utah bill.
- State tax rate (2026)
- 4.5% flat, applied to a resident's out-of-state lottery winnings
- State lottery
- None. The Utah Constitution prohibits lotteries. Residents buy tickets in Idaho, Wyoming, Colorado, Arizona, or Nevada
- Tax on an out-of-state win
- Utah taxes residents on the winnings at the flat 4.5%, with a credit for income tax paid to the state where the ticket was bought
- Anonymity
- Determined by the state where the ticket is bought and claimed, not by Utah
Sources: Utah State Tax Commission: Tax Rates · Utah State Legislature: Utah Constitution Article VI, Section 27
Utah Lottery Winnings Tax Overview
The Utah state tax on lottery winnings is 4.5%, a moderate rate near the middle of the 41 states that tax lottery payouts. Utah ranks number 28 in that group. If you win a Powerball or Mega Millions prize in Utah, the federal lottery tax of up to 37% applies on top of the state rate, and both reduce your lump sum cash option before the money ever reaches you. The Utah lottery tax calculator above runs the full math for the current jackpot.
How the Utah Lottery Payout Calculator Works
In Utah, the lottery payout calculation begins with the lump sum cash option, which equals roughly 45% of the advertised jackpot. The IRS withholds 24% federal lottery tax at the moment of payout, but a Powerball or Mega Millions prize pushes the winner into the 37% top federal bracket, so additional federal tax comes due at filing. On top of that, Utah taxes lottery winnings at 4.5% of the full lump sum. The lottery payout calculator above runs all of this math for you, using IRS 2026 brackets and the top marginal Utah lottery tax rate. One Utah specific detail to factor in: Utah does not sell Powerball or Mega Millions tickets.
How Utah Compares to Other Lottery Tax States
Utah's 4.5% lottery tax rate ranks number 28 out of 41 taxed states. States with a higher lottery tax rate than Utah include Nebraska and Oklahoma. States with a lower rate include Colorado and Michigan. For context, 10 states collect no lottery tax at all, which means a Powerball or Mega Millions winner in one of those states keeps an extra 4.5% of their lump sum compared to a winner in Utah.
Utah Lottery Tax FAQs
What is the Utah state tax on lottery winnings?
Utah taxes lottery winnings at a top marginal rate of 4.5%. This rate applies to the lump sum cash option from any Powerball or Mega Millions prize, and it is paid in addition to the federal lottery tax of up to 37% at the highest bracket. The lottery tax calculator above shows the exact dollar amount for any current jackpot.
Should I take the lump sum or annuity in Utah?
Most Powerball and Mega Millions winners choose the lump sum cash option. In Utah, both options face the same 4.5% state lottery tax rate, but the annuity spreads the tax across 30 years while the lump sum delivers the full cash value now. The lottery payout calculator above shows the lump sum after taxes; the annuity choice is a separate financial decision based on personal goals and investment return assumptions.
Does Utah withhold tax on a lottery payout before payment?
The IRS withholds 24% federal lottery tax on any lottery prize above $5,000 before the winner ever sees the check. Utah also withholds state tax at or near the 4.5% top rate at the moment of payout. The remaining federal balance, up to the 37% top bracket, then comes due in April when the winner files a federal return.
Does Utah tax lottery winnings if you bought the ticket in another state?
Yes. Utah has no lottery, but it taxes its residents on all income, including a lottery prize won on a ticket bought in Idaho, Wyoming, or another state, at the flat 4.5% rate. Utah gives a credit for income tax paid to the state of purchase, so a ticket bought in a state that does not tax the prize leaves the full 4.5% Utah tax.