STATE TAX COMPARISON · TAX YEAR 2026
New York vs Florida taxes in 2026
Florida has no income tax on wages, while New York taxes income at graduated rates from 3.9% to 10.9%. Single filers keep more in Florida at every income shown: $2,103 more at $50,000, rising to $15,947 at $250,000. A married couple with two children keeps more in Florida at every income shown: $1,393 more at $50,000, rising to $13,685 at $250,000.
Your estimate
- You keep more in Florida
- $3,453.40 a year
- New York income tax
- $3,453.40
- Florida income tax
- $0.00
- Take-home in New York
- $58,139.10
- Take-home in Florida
- $61,592.50
New York figures exclude New York City tax.
Take-home pay in New York and Florida
Take-home pay is wages minus state income tax, federal income tax, Social Security and Medicare. Property, sales and other taxes are not included. New York figures exclude New York City tax.
| New York | Florida | |
|---|---|---|
| $50,000 in wages: $2,103 more take-home in Florida | ||
| State income tax | $2,103 | $0 |
| Take-home pay | $40,252 | $42,355 |
| $75,000 in wages: $3,453 more take-home in Florida | ||
| State income tax | $3,453 | $0 |
| Take-home pay | $58,139 | $61,593 |
| $100,000 in wages: $4,861 more take-home in Florida | ||
| State income tax | $4,861 | $0 |
| Take-home pay | $74,319 | $79,180 |
| $150,000 in wages: $8,291 more take-home in Florida | ||
| State income tax | $8,291 | $0 |
| Take-home pay | $105,500 | $113,791 |
| $250,000 in wages: $15,947 more take-home in Florida | ||
| State income tax | $15,947 | $0 |
| Take-home pay | $167,235 | $183,182 |
| New York | Florida | |
|---|---|---|
| $50,000 in wages: $1,393 more take-home in Florida | ||
| State income tax | $1,393 | $0 |
| Take-home pay | $47,402 | $48,795 |
| $75,000 in wages: $2,743 more take-home in Florida | ||
| State income tax | $2,743 | $0 |
| Take-home pay | $66,280 | $69,023 |
| $100,000 in wages: $4,093 more take-home in Florida | ||
| State income tax | $4,093 | $0 |
| Take-home pay | $85,017 | $89,110 |
| $150,000 in wages: $7,075 more take-home in Florida | ||
| State income tax | $7,075 | $0 |
| Take-home pay | $120,510 | $127,585 |
| $250,000 in wages: $13,685 more take-home in Florida | ||
| State income tax | $13,685 | $0 |
| Take-home pay | $188,183 | $201,868 |
Rates and deductions
| New York | Florida | |
|---|---|---|
| Rates | 3.9% to 10.9% | No wage income tax |
| Standard deduction | $8,000 single, $16,050 joint | None |
| Personal exemption | None | None |
Retirement and Social Security
Does New York tax Social Security?
No. New York does not tax Social Security benefits.
New York Social Security tax rules
Does New York tax retirement income?
Partly. New York exempts New York State and local, federal and military pensions, and from age 59 1/2 excludes up to $20,000 per person of other pension and IRA income.
New York retirement income tax for 2026
Does Florida tax Social Security?
No. Florida has no personal income tax, so it does not tax Social Security benefits.
Florida Social Security tax rules
Does Florida tax retirement income?
No. Florida has no personal income tax, so it does not tax pensions or 401(k) and IRA withdrawals. Federal income tax still applies.