Florida vs New York taxes

What the move takes off a paycheck

On $75,000 a single filer keeps $61,593 in Florida and $57,784 in New York State: $3,808 a year more in Florida, or about $317 a month. Federal tax, Social Security and Medicare are the same in both, so the whole gap is what New York takes and Florida does not.

State income tax is most of it: $3,453 on $75,000. New York’s standard deduction is only $8,000, and its rate reaches 5.4% at a taxable income of $13,900, so nearly all of a typical salary is taxed at that rate or above.

Payroll deductions are the rest: New York’s paid family leave and disability insurance come to $355 on $75,000. Florida has neither. Its unemployment program, reemployment assistance, is paid by employers and never appears on a payslip.

The saving grows with income

Florida keeps more at every salary, and the gap widens as pay rises: $2,350 on $50,000, $8,253 on $150,000 and $14,406 on $250,000. Two things drive that. New York’s rate climbs to 5.9% and then 6.9% on higher bands, while its payroll deductions stop growing: together they are capped at $443 a year, so above a six-figure salary nearly every extra dollar of the gap is income tax.

A married couple filing jointly on $150,000 keeps $7,344 more in Florida. New York’s joint brackets are about twice as wide as the single ones, so a couple on a combined salary saves somewhat less than a single filer earning the same total.

New York cut its five lower rates by 0.1 percentage point for 2026 and has a further cut scheduled for 2027. On a typical salary that is tens of dollars a year, which does not move this comparison.

If you are leaving New York City

This page compares Florida with New York State outside the city. Residents of the five boroughs also pay the city’s own income tax, which on $75,000 costs a single filer $2,263 a year after the school tax credit. For that move, see Florida vs New York City, or the New York City paycheck calculator.

Making the move count

The figures above assume New York agrees you live in Florida. New York audits departures, and the burden of proof is on you. Day counts matter, but so do where your home, license, vehicles, voter registration and professional ties are. Filing a Declaration of Domicile with your Florida county and claiming the homestead exemption on a Florida home are steps that carry weight; keeping a home and a busy life in New York works against you. The Florida calculator page goes through what makes the change stick.

Keeping a New York job adds a second question. Income tax follows where the work is done, and New York’s convenience of the employer rule can count days worked from a Florida home office for a New York employer as New York days. A move that keeps the same job and the same paycheck may leave much of the New York tax in place.

What the take-home figure does not count

Florida funds itself largely through a sales tax and local property taxes, and housing and commuting costs differ widely between the two states and within each. None of that is in the figures above, which compare only what is taken from wages.

Questions people ask

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

Florida, by $3,808 a year, or $317 a month, for a single filer in 2026. That counts federal tax, Social Security, Medicare, state income tax and every state payroll deduction.

Is the difference the same at every salary?

No, but the same side stays ahead. The gap is $1,184 a year at $30,000 and $14,406 at $250,000, for a single filer.

Does the New York column include New York City tax?

No. It is New York State outside the city. Residents of the five boroughs also pay the city's own income tax, which has a separate calculator and a separate Florida comparison on this site. Yonkers charges a surcharge that neither figure includes.

Can I keep my New York job and work remotely from Florida?

You can, but the Florida column may not be the whole story. New York applies a convenience of the employer rule, which can treat days worked at home for a New York employer as New York days even when home is in another state. Confirm how New York will treat your days before counting on the saving.

What does New York look at when I say I have moved?

Where your life actually sits, not just a day count. Spending more than 183 days in Florida is the usual benchmark, but New York also looks at where your permanent home, driver's license, vehicles and voter registration are, and where your doctors and advisers are. Keeping a home and a substantial presence in New York is the most common reason a claimed move fails.

What this comparison covers

Income tax and payroll deductions on wages: federal income tax, Social Security, Medicare, state income tax, every state payroll deduction. 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.