Where is $100k needed for a down payment on a house and income over $40k is taxed at 40%? I'm not saying it doesn't exist, I just haven't seen it. US Federal t

Where is $100k needed for a down payment on a house and income over $40k is taxed at 40%? I'm not saying it doesn't exist, I just haven't seen it. US Federal tax brackets are at https://www.irs.com/articles/2020-federal-tax-rates-brackets-standard-deductions/ https://www.irs.com/articles/2020-federal-tax-rates-brackets.... Notice that the standard deduction of $12400 for a single filer and $24800 for married filers means that the first $12400 or $24800 is not taxed. In contrast to that progressive tax, there are things like payroll tax (social security, medicare), sales tax, and all those taxes on phone and cable/internet bills that (proportionally) hit the poor much harder.