West Virginia Lottery Tax Calculator
See what you'd actually keep from a West Virginia lottery prize after federal and state taxes — West Virginia withholds up to 5.12%, plus federal tax.
West Virginia lottery take-home by jackpot size
Estimated net take-home after federal + 5.12% West Virginia state tax.
| Advertised jackpot | Lump-sum take-home | Annuity total (30 yrs) | Effective tax |
|---|---|---|---|
| $1,000,000 | $620,612 | $835,760 | 38% |
| $10,000,000 | $5,829,812 | $6,876,758 | 42% |
| $100,000,000 | $57,921,812 | $59,134,368 | 42% |
| $500,000,000 | $289,441,812 | $290,654,368 | 42% |
Estimates use single-filer federal brackets and West Virginia's top lottery-withholding rate. Actual tax depends on your total income, filing status, deductions and residency. Not tax advice.
How West Virginia lottery winnings are taxed
Lottery prizes are taxable income. Every winner pays federal tax — the IRS withholds 24% up front, and the true rate climbs to 37% on large prizes. On top of that, West Virginia taxes lottery winnings at up to 5.12%. Taking the prize as a lump sum is taxed all in one year (pushing more into the top bracket); a 30-year annuity spreads the income out.
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West Virginia lottery tax FAQ
Does West Virginia tax lottery winnings?
Yes. West Virginia taxes lottery winnings at up to 5.12%, on top of federal tax (progressive, up to 37%).
How much tax do you pay on a $1 million West Virginia lottery prize?
On a $1,000,000 West Virginia prize taken as a lump sum, you'd owe roughly $379,388 in combined federal and state tax (about 38%), leaving about $620,612 take-home.
Is it better to take a lump sum or annuity in West Virginia?
A lump sum gives you the discounted cash value now; a 30-year annuity pays the full advertised jackpot in equal yearly installments. Either way West Virginia's 5.12% state rate and federal tax apply; the annuity can keep more of each year's payment in lower brackets. Use the calculator above to compare.