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Side-by-side state comparison

Florida vs New York Paycheck Comparison (2026)

Enter a salary below to see the take-home pay difference between Florida and New York for 2026, broken down line by line.

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Location A
No state income tax
Location B

Florida takes home more

+$5,395

more per year vs. New York · $450/mo · $207/paycheck

5-Year Difference

$26,974

Tax Component
Floridawinner
New York
Gross Salary$100,000$100,000
Federal Tax$13,170$13,170
Social Security$6,200$6,200
Medicare$1,450$1,450
State Tax$0$4,952
Local / City Tax$0$0
State Payroll Deductions$0$443
Annual Take-Home$79,180$73,785
Effective Tax Rate20.82%26.21%
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This estimate is for planning purposes only and does not constitute tax or financial advice. Actual paycheck withholding depends on your employer's payroll system, custom W-4 elections, additional income, and personal tax situation. For specific tax-planning decisions, consult a licensed CPA or tax professional.

Quick answer

Florida residents take home roughly $5,395 more per year than New York residents at $100,000 single (state-only, no NYC layer), or about $450 per month. Florida levies no state income tax on wages; New York applies a progressive schedule with a top rate of 10.9%, plus small per-paycheck contributions for New York Paid Family Leave, New York SDI (employee contribution).

Florida and New York sit on opposite sides of the state-income-tax line. Florida has no state income tax on wages; New York runs a progressive bracket schedule with a top rate of 10.9%, plus NYC's separate bracketed city tax for New York City residents (not included in the state-level numbers below). New York also collects New York Paid Family Leave, New York SDI (employee contribution) from every wage earner as small per-paycheck deductions, totaling $443 per year at this salary. NY SDI is a fixed weekly amount; NY PFL is a percentage of wages up to a published cap. At $100,000 single, a Florida resident takes home $79,180 versus a non-NYC New York state resident's $73,785, a gap of $5,395 per year. Layer in NYC's city tax and the gap widens by several thousand more annually. The dollar gap scales with income as New York's marginal rate climbs ($2,392 at $50k, $14,621 at $250k). Use the calculator below to switch the New York side to NYC residency, change salary, or model pre-tax contributions.

At $100,000 single filer, take-home difference

Moving from New York to Florida saves approximately $5,395 per year at $100,000 single.

Computed from the tax engine with 2026 federal brackets, FICA, and state tax. Standard deduction, no pre-tax contributions.

How the state tax structures compare

FeatureFloridaNew York
State structureNo state income tax on wagesProgressive 4 to 10.9 percent
Taxes wages?NoYes

Take-home at four common salary points

Single filer, 2026 brackets, standard deduction, no pre-tax contributions. Delta is New York take-home minus Florida take-home.

SalaryFloridaNew YorkDelta
$50,000$42,355$39,963-$2,392
$100,000$79,180$73,785-$5,395
$150,000$113,791$105,396-$8,395
$250,000$183,182$168,561-$14,621

What this comparison includes

This comparison computes 2026 take-home pay in Florida and New York side by side, using 2026 federal brackets after the standard deduction, FICA contributions (Social Security up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), and each state's income tax schedule along with any state-administered payroll programs and supported local layers. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages. City-level taxes are layered only on the dedicated metro pages; this comparison covers state-and-typical-local figures only, so a worker considering a specific metro should follow the relevant city link in the See also section.

Florida vs New York FAQ

How much more is take-home in Florida than New York at $100,000?
At $100,000 single, a Florida resident takes home approximately $5,395 more per year than a non-NYC New York state resident, or roughly $450 per month. The driver is New York's progressive state line of $4,952 plus the NY SDI and PFL contributions; Florida shows none of these. Federal income tax is identical at the same gross salary.
Does the Florida vs New York paycheck gap grow with salary?
Yes. New York's progressive schedule climbs into upper brackets at higher incomes, so the gap widens as gross income rises. The $2,392 difference at $50k single grows to $5,395 at $100k and $14,621 at $250k. For NYC residents the gap widens further once the city's bracketed personal income tax layers in.
Does this comparison include NYC city tax?
No. The state-level math above covers New York state only. NYC residents pay an additional four-bracket city personal income tax on top of state. Yonkers residents owe a smaller surcharge on state tax, also separate from the state line. For the full city picture, use the dedicated NYC page or select NYC in the calculator below.
How does married filing jointly, head of household, or filing separately change the Florida vs New York gap?
MFJ widens both federal and New York state brackets and doubles the federal standard deduction. New York's MFJ brackets in particular soften the state line for couples, which compresses the dollar gap to Florida by a few hundred to a few thousand annually. Head of Household uses NY's distinct IT-201-I HoH schedule (between Single and MFJ), softening the NY side further; MFS uses New York's Single schedule. Florida stays at $0 across all four statuses, so the directional advantage holds.
What about cost-of-living differences between Florida and New York?
This page covers paycheck math only. Housing, transportation, utilities, property tax, and groceries vary widely between Florida and New York, often by enough to offset or reverse the paycheck advantage depending on the metro pair. Compare the dollar gap with a cost-of-living check before treating it as a relocation conclusion.
How does the Florida vs New York gap compare to other no-tax-state pairs?
Florida-versus-New-York sits in a similar magnitude to California-versus-Texas at the state level, since both pair a progressive high-tax state with a no-tax neighbor. New Jersey vs Pennsylvania is a much closer race, since both states tax wages but at different structures. Tennessee vs Kentucky and Florida vs Georgia produce smaller dollar gaps because the tax-side state's headline rate is lower.

See also

Florida paycheck calculatorNew York paycheck calculatorCompare any two locations (interactive)Miami, Florida paycheck calculatorNew York City, New York paycheck calculatorTune your W-4 withholding after a move to New YorkHow a relocation or signing bonus is withheld in New YorkMoving states: how two-state and commuter tax worksCalifornia vs Texas paycheck comparisonIllinois vs Indiana paycheck comparisonMassachusetts vs New Hampshire paycheck comparisonOregon vs Washington paycheck comparisonArizona vs California paycheck comparisonCalifornia vs Colorado paycheck comparisonCalifornia vs Nevada paycheck comparisonCalifornia vs Washington paycheck comparisonColorado vs Massachusetts paycheck comparisonColorado vs New York paycheck comparisonConnecticut vs New Jersey paycheck comparisonConnecticut vs New York paycheck comparisonDistrict of Columbia vs Maryland paycheck comparisonFlorida vs Georgia paycheck comparisonFlorida vs Illinois paycheck comparisonFlorida vs Massachusetts paycheck comparisonFlorida vs New Jersey paycheck comparisonFlorida vs Pennsylvania paycheck comparisonFlorida vs Texas paycheck comparisonIllinois vs Texas paycheck comparisonIndiana vs Michigan paycheck comparisonIndiana vs Ohio paycheck comparisonKentucky vs Ohio paycheck comparisonMaryland vs Virginia paycheck comparisonMassachusetts vs North Carolina paycheck comparisonMinnesota vs Wisconsin paycheck comparisonNew Jersey vs New York paycheck comparisonNew Jersey vs Pennsylvania paycheck comparisonOklahoma vs Texas paycheck comparisonBrowse paycheck calculators by stateHow we calculate paycheck taxesPaycheck and tax glossary

Reviewed

How This Page Is Reviewed

The Florida vs New York comparison is reviewed against primary federal and state sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-07-10