New York vs Florida take-home pay
Tax year 2026 · Last updated:
Same salary, different state tax rules. This guide explains how TakeHome models New York versus Florida paychecks for tax year 2026 — including optional NYC local tax — and how to run an apples-to-apples offer comparison.
Quick tax snapshot
Focus on the income-tax and FICA slice. Housing, sales tax, and benefits are outside this table.
| Topic | New York | Florida |
|---|---|---|
| State personal income tax | Progressive NY state income tax (provisional estimate) | No general state personal income tax (verified in our limited scope) |
| Local income tax | Optional simplified NYC estimate (toggle in calculator) | Not modeled |
| Federal income tax + FICA | Included | Included |
| Notable omissions | PFL, Disability Benefits, and other local payroll items omitted | Local items omitted; federal + FICA still apply |
What usually changes by salary band
Directional only for a single filer with matching gross — not a payroll quote.
- $90,000 — Federal + FICA dominate; NY state tax (and NYC if on) already creates a gap versus Florida.
- $130,000 — Common NYC-area band where state/local pressure is easier to see in Compare mode.
- $180,000 — Higher brackets usually widen Florida’s modeled advantage on the state-tax slice; living costs can still dominate.
What this comparison does not decide
- NYC rent, Florida insurance, and commuting can outweigh paycheck tax differences.
- Bonus, equity, and benefits change total compensation.
- Part-year moves and multi-state residency are not decided here.
- A real New York stub may look lower because PFL/DBI and other items are omitted.
Run the numbers
Open either state calculator, or use Compare mode with identical salary and pay frequency. Enable NYC only if you are modeling city residency.
FAQ
Is Florida always higher take-home than New York at the same salary?
For the same gross W-2 wages, skipping NY state tax (and NYC if enabled) often raises modeled take-home in Florida. Offers still differ in bonus, equity, benefits, and living costs.
When should I turn on NYC?
Enable NYC if you are modeling New York City residency for that offer. It is a simplified local estimate only.
Does Florida have zero state income tax here?
Yes within our limited verified scope. Federal income tax and employee FICA still apply.
How do I compare the same offer in both states?
Open the full calculator, switch to Compare, set Offer A to New York and Offer B to Florida, match salary and frequency, and toggle NYC on Offer A if needed.
Should I relocate based on this page alone?
No. This is an educational tax-slice guide. Housing, family, career, and professional tax advice still matter.
Which tax year do these rules reflect?
Tax year 2026 assumptions used by TakeHome. See Methodology for coverage tiers and omissions.
Want the full rules and omissions list? Read the methodology