New York vs Florida: take-home pay comparison
New York's 4–10.9% state income tax against Florida's zero — the canonical East-Coast relocation comparison.
New York and Florida sit at opposite ends of the US-state income-tax spectrum: NY uses a progressive schedule from 4% to 10.9% (top bracket above $25M for single filers), while Florida has no state income tax at all. New York City residents pay additional NYC income tax (3.078–3.876%) which this calculator does NOT model — the NY side here is state-only.
The retire-to-Florida arbitrage and the "move to FL while keeping a remote NYC job" pattern both lean on this comparison. The exact delta scales sub-linearly: at $80,000 it is ~$4,700/year, at $200,000 it is ~$13,500/year, at $500,000 it is ~$48,000/year.
Side-by-side at common gross levels
| Gross (annual) | United States — New Yorknative: $ | United States — Floridanative: $ | Net delta (right − left) |
|---|---|---|---|
| $40,000 / $40,000 | $32,725 (18.2%) | $34,320 (14.2%) | $1,595 |
| $80,000 / $80,000 | $61,315 (23.4%) | $65,110 (18.6%) | $3,795 |
| $120,000 / $120,000 | $87,098 (27.4%) | $93,250 (22.3%) | $6,152 |
| $200,000 / $200,000 | $137,975 (31.0%) | $148,927 (25.5%) | $10,952 |
Frequently asked questions
- How much more take-home does $80,000 yield in Florida vs New York?
- At $80,000 gross on each side using 2026 rates: New York retains $61,315 (23.4% effective), Florida retains $65,110 (18.6% effective). Net delta: $3,795 more in Florida.
- What is the marginal-rate difference between New York and Florida at $80,000?
- At $80,000 gross, the next 100 of gross retains $65 in New York (marginal rate 35.2%) and $70 in Florida (marginal rate 29.7%). This matters for bonus, overtime, or salary-sacrifice decisions — the marginal rate applies to the next unit earned, not the average.
- At what salary level is the take-home gap biggest between New York and Florida?
- Across the 40k–250k single-filer sweep, the largest net delta is at $250,000 gross: Florida net is higher by $14,178 per year. Above and below this point the gap is smaller, driven by the interaction of each side's band thresholds + social-contribution caps.
- What does this New York vs Florida comparison include?
- Both sides use each tax authority's published 2026/27 rates: income tax, social-insurance contributions, and any statutory levies routed through payroll. The numbers are the same ones the full /us/ny and /us/fl calculators produce — open either page for the full per-line breakdown.
- What does this comparison NOT model?
- Pension contributions, salary-sacrifice schemes, benefits-in-kind, region-specific surcharges (Scotland for UK, Comunidad Autónoma for ES, Bundesland for DE), and cost-of-living differences are not modeled here. The comparison is a tax-stack-only view.