In the Florida vs New York comparison, Florida wins on take-home pay at every salary, because it has no state income tax. On $100,000, a single worker keeps $79,180 in Florida versus $73,877 in New York State: $5,303 more a year, or about $442 a month. Living in New York City widens the gap further.
Florida vs New York take-home pay: single filer
| Salary | Florida | New York | Extra in Florida |
|---|---|---|---|
| $40,000 | $34,320 | $32,553 | $1,767 |
| $60,000 | $50,390 | $47,457 | $2,933 |
| $80,000 | $65,110 | $61,010 | $4,100 |
| $100,000 | $79,180 | $73,877 | $5,303 |
| $150,000 | $113,791 | $105,538 | $8,253 |
| $200,000 | $148,927 | $137,724 | $11,203 |
Married filing jointly
For a couple filing jointly, with the salary below as total household wages:
| Household salary | Florida | New York | Extra in Florida |
|---|---|---|---|
| $40,000 | $36,160 | $34,985 | $1,175 |
| $60,000 | $52,570 | $50,239 | $2,331 |
| $80,000 | $68,640 | $65,142 | $3,498 |
| $100,000 | $84,710 | $80,066 | $4,644 |
| $150,000 | $123,185 | $115,841 | $7,344 |
| $200,000 | $159,321 | $149,165 | $10,156 |
Assumptions: 2026 tax year, standard deduction, no 401(k) or benefit deductions. New York figures are for New York State and exclude New York City or Yonkers local income tax.
Where the difference comes from
| On $100,000 (single) | Florida | New York |
|---|---|---|
| Federal income tax | $13,170 | $13,170 |
| Social Security + Medicare | $7,650 | $7,650 |
| State income tax | $0 | $4,860 |
| State payroll (disability and paid family leave) | $0 | $443 |
| Total tax rate | 20.8% | 26.1% |
- Federal tax and FICA are identical in both states.
- New York income tax is progressive: on $100,000 a single filer’s New York marginal rate is 5.9%, and the top brackets go higher still. Rates and forms are published by the New York State Department of Taxation and Finance.
- New York payroll programs (disability insurance and paid family leave) add a small deduction that Florida does not have.
- Florida raises revenue through sales and property taxes instead.
The monthly difference
Seen month by month, the Florida vs New York gap for a single filer looks like this:
| Salary | Florida per month | New York per month | Extra per month |
|---|---|---|---|
| $50,000 | $3,530 | $3,334 | $196 |
| $75,000 | $5,133 | $4,815 | $317 |
| $100,000 | $6,598 | $6,156 | $442 |
| $150,000 | $9,483 | $8,795 | $688 |
At higher incomes the gap grows faster than the salary, because New York income tax is progressive while Florida takes nothing.
Florida vs New York: beyond the paycheck
- Salaries: the same job often pays more in New York, especially in finance, law and tech. Compare your actual offers, not the same salary.
- Housing: rent in New York City is far higher than in most Florida metros, though Miami has become expensive too.
- Insurance: home and car insurance costs in Florida can eat into the tax savings.
- Middle incomes: on $60,000, the gap is $2,933 a year, smaller than many people expect.
Florida vs New York for remote workers and retirees
Remote work has made the Florida vs New York decision more common. If you keep a New York employer, read the residency and remote work rules carefully: moving your home is not always enough to end New York tax on your wages. If your employer is based in Florida or another state, your wages are generally taxed only where you live and work.
For retirees, the comparison is closer than for workers. Florida has no income tax on any type of income. New York does not tax Social Security benefits and lets residents aged 59½ or older exclude up to $20,000 of private pension and annuity income, so a modest retirement income may face little New York tax (see the state’s information for retired persons). Retirement income above that exclusion is generally taxed in New York but not in Florida.
For working households, though, the Florida vs New York gap shown in the tables above applies in full to every paycheck.
Moving from New York to Florida: a checklist
- Establish residency: get a Florida driver’s license, register to vote and file a declaration of domicile with your county.
- Update payroll: give your employer your new address so New York withholding stops.
- Check remote work rules: New York may tax wages from a New York employer if you work remotely for your own convenience.
- File a part-year return in New York for the year you move.
- Budget for new costs: insurance, a car if you did not need one, and higher summer utility bills.
The takeaway
For the same salary, Florida leaves more in your pocket, by roughly 5.3% of gross pay on $100,000. Whether moving is worth it depends on the salary you can earn and what you will pay for housing. Explore the Florida paycheck calculator and the New York paycheck calculator, or read our Texas vs California comparison.
Frequently asked questions
How much more do you take home in Florida than in New York?
On $100,000, a single filer keeps about $5,303 more a year in Florida.
Does Florida have a state income tax?
No. Florida does not tax wages, so only federal income tax, Social Security and Medicare come out of your paycheck.
Do I still owe New York tax if I move to Florida?
Generally not on wages earned while you live and work in Florida, but New York looks closely at residency changes and at remote work for New York employers.
Is New York City tax included?
No. The figures cover New York State only. NYC residents also pay city income tax, so their take-home pay is lower still.
Estimates for information only, not tax advice.
