The same salary leaves you with more take-home pay in Florida than in New York, because Florida has no personal income tax and New York's rates run from 3.9% to 10.9%. A single worker earning $110,000 keeps about $5,481 more per year in Florida, based on our 2026 estimates, and the gap is wider still if you live in New York City.
Below, we compare New York vs Florida taxes at three salary levels, show a full paycheck breakdown, and explain the New York items our main comparison doesn't capture.
Where the difference comes from
Federal income tax, Social Security and Medicare are identical in both states. The gap comes entirely from state and local deductions.
Florida
Florida has no personal income tax. Wages are only subject to federal income tax, Social Security (6.2% up to $184,500 in wages) and Medicare (1.45%), plus whatever you choose to deduct for benefits or retirement.
New York State
New York cut rates on its lower and middle brackets for 2026. Its standard deduction is $8,000 for single filers and $16,050 for married couples filing jointly. Most workers fall in the 5.4% or 5.9% bracket.
| New York 2026 brackets (single) | Rate |
|---|---|
| $0 to $8,500 | 3.9% |
| $8,500 to $11,700 | 4.4% |
| $11,700 to $13,900 | 5.15% |
| $13,900 to $80,650 | 5.4% |
| $80,650 to $215,400 | 5.9% |
| $215,400 to $1,077,550 | 6.85% |
| $1,077,550 to $5,000,000 | 9.65% |
| $5,000,000 to $25,000,000 | 10.3% |
| Over $25,000,000 | 10.9% |
New York employees also pay into state disability insurance (SDI) at 0.5% of wages, capped at $0.60 a week, which works out to $31.20 a year. Our calculator includes SDI. New York Paid Family Leave contributions also come out of pay but aren't in our figures yet.
New York vs Florida taxes at three salaries
Here's a single filer paid semimonthly (24 paychecks), with no retirement or benefit deductions and no city tax. All numbers are 2026 estimates from our calculator.
| Annual salary | New York take-home | Florida take-home | Yearly difference | Per paycheck |
|---|---|---|---|---|
| $70,000 | $54,861 | $58,075 | $3,214 | $134 |
| $110,000 | $80,734 | $86,215 | $5,481 | $228 |
| $200,000 | $138,136 | $148,927 | $10,791 | $450 |
New York income tax takes about 4.5% of gross pay at $70,000, 5.0% at $110,000 and 5.4% at $200,000. The share rises more gently than in some high-tax states, because the 5.9% bracket covers a wide band of income from $80,650 to $215,400.
Worked example: $110,000 in New York vs Florida
Here's one semimonthly paycheck for a single filer earning $110,000:
| Per semimonthly paycheck | New York | Florida |
|---|---|---|
| Gross pay | $4,583.33 | $4,583.33 |
| Federal income tax | $640.42 | $640.42 |
| Social Security | $284.17 | $284.17 |
| Medicare | $66.46 | $66.46 |
| State income tax | $227.07 | $0.00 |
| New York SDI | $1.30 | $0.00 |
| Take-home pay | $3,363.91 | $3,592.28 |
Over 24 paychecks, the New York worker takes home about $80,734 and the Florida worker about $86,215. Run your own salary through the New York paycheck calculator or the Florida paycheck calculator.
Living in New York City or Yonkers
New York City and Yonkers levy their own income taxes on residents, on top of state tax. That makes the gap with Florida larger than the table shows. We don't list a city rate here; check the current rate with the New York State Department of Taxation and Finance, then enter it in the local tax box of the paycheck calculator.
To get a sense of scale: for the $110,000 earner above, every 1 percentage point of local tax entered in the calculator reduces take-home pay by about $45.83 per semimonthly paycheck, or about $1,100 a year. Multiply that by your actual local rate for a rough estimate. Our guide to New York City income tax and your paycheck explains who owes it and how it's withheld.
What else to weigh
Tax benefit recapture for high earners
At higher incomes, New York phases out the benefit of its lower brackets, a rule called tax benefit recapture. Our calculator doesn't model it, so New York estimates for high earners may be somewhat low.
Costs outside the paycheck
Florida relies mainly on sales tax and tourism-related revenue rather than income tax. Housing, insurance and other costs differ a lot by city in both states, so compare the full budget, not just the paycheck. Our guide to comparing salaries across states covers how to do that.
Moving partway through the year
If you move from New York to Florida mid-year, you'll generally owe New York tax on the wages you earned while living there. See moving to another state mid-year for how part-year returns work.
Frequently Asked Questions
Does Florida have a state income tax?
No. Florida has no personal income tax, so your paycheck only loses federal income tax, Social Security, Medicare and any deductions you choose.
What is New York's top income tax rate in 2026?
New York's top rate is 10.9% on income over $25 million for single filers. Most workers fall in the 5.4% or 5.9% bracket.
Is New York City tax included in your comparison?
No. The tables assume no local tax. If you live in New York City or Yonkers, look up your current rate and add it in the calculator's local tax box.
What is the SDI deduction on a New York pay stub?
It's New York's state disability insurance contribution: 0.5% of wages, capped at $0.60 a week. It funds short-term disability benefits for off-the-job injuries and illnesses.
Sources
- Tax Foundation: State Individual Income Tax Rates and Brackets, 2026
- IRS Publication 15, Employer's Tax Guide
- SSA: Contribution and Benefit Base
Run the numbers for your state
Written and checked against IRS, Social Security Administration and state tax agency publications for the 2026 tax year. General information, not tax, legal or financial advice. Read our editorial policy, calculation methodology and sources.