Same $100,000 single salary, same federal ($13,170) and FICA ($7,650). The gap is one line: state tax.
| Florida $100,000 | New York $100,000 | |
|---|---|---|
| Federal | $13,170 | $13,170 |
| FICA | $7,650 | $7,650 |
| State | $0 | $4,952 (simplified, excl. NYC) |
| Take-home / year | $79,180 | $74,228 |
| Take-home / month | $6,598 | $6,186 |
New York's simplified progressive model takes $4,952 — $413 a month. In New York City, city tax adds roughly another $3,000+ on top, pushing the real gap past $8,000. Movers: Florida has no income tax but higher property insurance and sales tax — run both sides before signing.
About $79,180 a year single ($6,598/month) — no state income tax.
About $74,228 a year single ($6,186/month) after ~$4,952 state tax, excluding NYC city tax.
| Florida | New York | |
|---|---|---|
| Gross / year | $100,000 | $100,000 |
| Federal income tax | $13,170 | $13,170 |
| FICA (Social Security + Medicare) | $7,650 | $7,650 |
| State income tax | $0 | $4,952 |
| Take-home / year | $79,180 | $74,228 |
| Take-home / month | $6,598 | $6,186 |
| Take-home / 2 weeks (26 pays) | $3,045 | $2,855 |
| Effective tax rate (all taxes) | 20.8% | 25.8% |
Federal and FICA are identical because both use the same 2026 federal brackets (10%–37% after the $16,100 single standard deduction) and the same FICA rules: 6.2% Social Security up to the $184,500 wage base plus 1.45% Medicare. The only line that moves is state income tax — and that single line is worth $4,952 a year, or $413 a month at this salary.
Florida's constitution prohibits a personal income tax, so the state funds itself through sales tax and property tax instead. New York runs a progressive income tax: the first brackets are low, but by $100,000 a single filer in our simplified 2026 model pays about 4.95% of gross. If you work in New York City, city income tax adds roughly another 3%–3.8% on top, which pushes the real gap past $8,000 a year — the equivalent of losing most of a month's pay.
The counter-argument is that Florida is not free. Homeowner insurance in Florida runs several times the national average, property tax is assessed at roughly 0.8%–1.0% of value with limited exemptions, and the sales tax base is broad (6% state plus county surtaxes). Renters feel it through pricing: Miami and Tampa rents have climbed faster than wages for several years.
$413 a month is not abstract. In Florida, it covers roughly a full month of groceries for a family of four, or two car payments on a modest used car, or about two-thirds of the average Florida homeowner's insurance bill spread across twelve months. In New York it would cover about a month of a commuter rail pass plus a monthly MetroCard — which is exactly the trade many remote-capable workers are now making.
About $79,180 a year single ($6,598/month, $3,045 per biweekly pay) — no state income tax, so you keep 79.2% of gross.
About $74,228 a year single ($6,186/month) after roughly $4,952 state tax, excluding New York City city tax.
About $4,952 a year, or $413 a month. If you live in New York City the difference is typically above $8,000 a year once city tax is included.
Correct — Florida has no personal state income tax. It relies on sales tax, property tax and fees instead, so check insurance and property costs before moving.
It is a simplified progressive model built for comparison. Your actual New York tax depends on credits, deductions and city or county residence — treat it as a planning estimate.
Figures on this page are planning estimates built from published IRS tables and state agency rates; they are not tax advice. How we build and check these estimates · Edited by: Nuh Taspinar · Last updated: 2026-11-09