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New York vs. Florida: Take-Home Pay Comparison (2026)

How much of your paycheck you keep in New York compared with Florida, using 2026 federal and state tax rules for a single filer.

Updated 2026 IRS & state tax tables
New York$58,140take-home on $75,0003.9%–10.9% income taxNew York paycheck calculator →
vs.
Florida$61,593take-home on $75,000No state income taxFlorida paycheck calculator →

On a $75,000 salary, you keep about $3,453 more per year ($288 a month) in Florida than in New York.

Take-home pay by salary

SalaryNew YorkFloridaDifference
$50,000$40,252$42,355−$2,103 Florida
$75,000$58,140$61,593−$3,453 Florida
$100,000$74,320$79,180−$4,860 Florida
$150,000$105,981$113,791−$7,810 Florida
$200,000$138,167$148,927−$10,760 Florida

Single filer, standard deduction, wages only, no 401(k) or pre-tax benefits. Local income taxes (for example New York City or some Ohio and Pennsylvania cities) are not included.

Where the difference comes from

Federal income tax, Social Security (6.2%) and Medicare (1.45%) are the same everywhere in the U.S., so the gap comes entirely from state income tax. On $75,000, state income tax is about $3,453 in New York and $0 in Florida.

  • New York: 3.9%–10.9% income tax, with a 4% state sales tax (about 8.53% on average including local taxes).
  • Florida: No state income tax, with a 6% state sales tax (about 7% on average including local taxes).

Income tax isn't the whole picture

States without an income tax often collect more through sales taxes, property taxes or fees, and housing costs can differ far more than taxes. Before moving, compare rent or home prices, property tax rates, car insurance, utilities and, if you work remotely, which state can tax your income. If you keep a job in one state while living in another, you may owe tax to both, usually with a credit to avoid paying twice.

For your exact numbers — including 401(k) contributions, pay frequency and filing status — use the New York and Florida paycheck calculators, or explore every state on our Money Map.

Frequently asked questions

Is New York or Florida better for take-home pay?
For a single filer earning $75,000 in 2026, take-home pay is about $58,140 in New York and $61,593 in Florida, so Florida comes out about $3,453 a year ahead. The gap grows at higher incomes when one state has higher income tax rates.
Does New York have state income tax?
New York has 3.9%–10.9% income tax for 2026.
Does Florida have state income tax?
No. Florida does not tax wages, so paychecks are reduced only by federal income tax and FICA.
What else should I compare besides income tax?
Sales tax, property taxes, housing costs, insurance and local income taxes can outweigh income tax differences. A state with no income tax often relies more on sales or property taxes.

More state comparisons

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