STATE TAX COMPARISON · TAX YEAR 2026
New Jersey vs New York taxes in 2026
Both use graduated rates, New Jersey from 1.4% to 10.75% and New York from 3.9% to 10.9%. Single filers keep more in New Jersey at every income shown: $889 more at $50,000 and $2,212 at $250,000. A married couple with two children keeps more in New Jersey at every income shown: $675 more at $50,000, rising to $2,121 at $250,000.
Your estimate
- You keep more in New Jersey
- $857.40 a year
- New Jersey income tax
- $2,596.00
- New York income tax
- $3,453.40
- Take-home in New Jersey
- $58,996.50
- Take-home in New York
- $58,139.10
New York figures exclude New York City tax.
Take-home pay in New Jersey and New York
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 Jersey | New York | |
|---|---|---|
| $50,000 in wages: $889 more take-home in New Jersey | ||
| State income tax | $1,215 | $2,103 |
| Take-home pay | $41,140 | $40,252 |
| $75,000 in wages: $857 more take-home in New Jersey | ||
| State income tax | $2,596 | $3,453 |
| Take-home pay | $58,997 | $58,139 |
| $100,000 in wages: $681 more take-home in New Jersey | ||
| State income tax | $4,180 | $4,861 |
| Take-home pay | $75,000 | $74,319 |
| $150,000 in wages: $926 more take-home in New Jersey | ||
| State income tax | $7,365 | $8,291 |
| Take-home pay | $106,426 | $105,500 |
| $250,000 in wages: $2,212 more take-home in New Jersey | ||
| State income tax | $13,735 | $15,947 |
| Take-home pay | $169,447 | $167,235 |
| New Jersey | New York | |
|---|---|---|
| $50,000 in wages: $675 more take-home in New Jersey | ||
| State income tax | $718 | $1,393 |
| Take-home pay | $48,078 | $47,402 |
| $75,000 in wages: $1,448 more take-home in New Jersey | ||
| State income tax | $1,295 | $2,743 |
| Take-home pay | $67,728 | $66,280 |
| $100,000 in wages: $1,619 more take-home in New Jersey | ||
| State income tax | $2,474 | $4,093 |
| Take-home pay | $86,636 | $85,017 |
| $150,000 in wages: $1,839 more take-home in New Jersey | ||
| State income tax | $5,236 | $7,075 |
| Take-home pay | $122,349 | $120,510 |
| $250,000 in wages: $2,121 more take-home in New Jersey | ||
| State income tax | $11,564 | $13,685 |
| Take-home pay | $190,304 | $188,183 |
Rates and deductions
| New Jersey | New York | |
|---|---|---|
| Rates | 1.4% to 10.75% | 3.9% to 10.9% |
| Standard deduction | None | $8,000 single, $16,050 joint |
| Personal exemption | $1,000 single, $2,000 joint | None |
Retirement and Social Security
Does New Jersey tax Social Security?
No. New Jersey does not tax Social Security benefits.
New Jersey Social Security tax rules
Does New Jersey tax retirement income?
Partly. From age 62, New Jersey excludes up to $75,000 of pension and IRA income ($100,000 on a joint return) when total income is $100,000 or less, a smaller share up to $150,000 and nothing above that.
New Jersey retirement income tax for 2026
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.