Florida vs New York City taxes

Two income taxes against none

On $75,000 a single filer keeps $61,593 in Florida and $55,521 in New York City: $6,071 a year more in Florida, about $506 a month. Federal tax, Social Security and Medicare are identical, so the gap is made of three lines that exist only on the New York side:

• New York State income tax, $3,453. The state’s standard deduction is $8,000, and its rate reaches 5.4% at a taxable income of $13,900.
• New York City income tax, $2,263 after the school tax credit. It runs from 3.078% to 3.876% on the same taxable income the state uses, and reaches its top rate at $50,000 of taxable income.
• Paid family leave and disability insurance, $355 together.

The city tax alone is 37% of the gap. That part is the one a move out of the five boroughs removes for certain, because it depends only on where you live.

As income rises

Florida keeps more at every salary, and the gap grows: $3,706 on $50,000, $13,252 on $150,000 and $23,053 on $250,000. Both New York taxes are progressive, and the school tax credit that trims the city tax shrinks away at high incomes: its fixed part ends above $250,000 of income and its rate reduction above $500,000.

A married couple filing jointly on $150,000 keeps $11,893 more in Florida, of which $4,549 is city tax.

What leaving the city does and does not settle

The city tax is simple. It is a resident tax, charged only on people who live in the five boroughs. Move to Florida and it stops from the day you move, whether or not you keep the same job.

New York State tax is not. Income tax follows where the work is done, so wages earned in New York remain taxable there even after you move. New York’s convenience of the employer rule can also treat days worked from a Florida home for a New York employer as New York days. Someone who moves south but keeps a Manhattan job may find the state tax largely stays, even though the city tax goes.

And New York has to accept that you have moved. It audits departures, and the burden of proof is on you: where your home, license, vehicles, voter registration and professional ties sit matters, not just a count of days. The Florida calculator page explains the steps that carry weight.

Leaving the city for New York State outside it removes only the city tax. The Florida vs New York comparison covers that side.

What the take-home figure does not count

Rent, housing and commuting costs differ enormously between New York City and Florida, and Florida raises its money through sales tax and local property taxes instead of an income tax. None of that is here: this page compares only what is taken from wages.

Questions people ask

Do you take home more in Florida or New York City on $75,000?

Florida, by $6,071 a year, or $506 a month, for a single filer in 2026. That counts federal tax, Social Security, Medicare, state income tax and every state payroll deduction, plus local income tax.

Is the difference the same at every salary?

No, but the same side stays ahead. The gap is $1,823 a year at $30,000 and $23,053 at $250,000, for a single filer.

Do Miami, Tampa or Orlando have a city income tax like New York's?

No. No Florida city or county levies an income tax, so the Florida column holds anywhere in the state. The New York City tax is charged only on residents of the five boroughs.

If I move to Florida partway through the year, what happens to the city tax?

It stops when you stop living in the city. The city tax follows residence, so the city taxes only the part of the year you lived there. New York State tax on wages earned in New York is a separate question, and it can continue if you keep working for a New York employer.

Why does my New York City payslip show more city tax than this page?

Employers withhold using the state's own New York City withholding tables, which use different rates, a smaller allowance and no school tax credit. They tend to take a little more than the tax owed, and the excess comes back as a refund when you file. This page shows the tax owed.

What this comparison covers

Income tax and payroll deductions on wages: federal income tax, Social Security, Medicare, state income tax, every state payroll deduction, and local income tax where there is one. It does not compare sales tax, property tax, housing or the cost of living, which can outweigh the difference in take-home pay. Figures assume the standard deduction, no dependents and no pre-tax retirement contributions. See how we calculate.