How much is NYC income tax in 2026?

NYC income tax ranges from 3.078% to 3.876% based on your income level. This is charged in addition to Federal and New York State taxes. For example, a $100,000 salary puts you in a higher bracket, significantly impacting your net pay . Our New York Paycheck Calculator automatically applies these specific city rates to show you exactly how much is deducted.

What is the New York state income tax rate for 2026?

New York has a progressive tax system with rates ranging from 4% to 10.9% . Most middle-income earners fall into the 5.85% to 6.25% brackets. Unlike flat-tax states, your effective rate is often lower than your marginal bracket. Use our New York salary calculator to determine your blended effective tax rate after standard deductions ($8,000 for singles) are applied.

Do I have to pay NYC tax if I work in NYC but live elsewhere?

No . The NYC personal income tax only applies to residents of the five boroughs (Bronx, Brooklyn, Manhattan, Queens, Staten Island). If you commute from NJ, CT, or Long Island, you do not pay NYC city tax, though you still pay NY State tax on your earnings. This exclusion is a major reason why many commuters see a higher paycheck than their NYC-resident colleagues.

New York Paycheck Calculator

Find out exactly how much of your salary lands in your bank account. Estimate your 2026 take-home pay after Federal, NY State, and local taxes (including NYC & Yonkers).

NYC Tax Included

Yonkers Tax Supported

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Enter your salary to see your breakdown (including NYC & Yonkers taxes).

New York Local Taxes

NYC Residents: Pay an additional 3.078% - 3.876% city income tax on top of state taxes.

Yonkers Residents: Pay 16.75% of their NY state tax as a local surcharge (or 0.5% non-resident tax if working in Yonkers).

2026 New York Tax Rates & Brackets

2026 New York State Income Tax Brackets

Single Filing Status

Tax Rate	Income Range	Base Tax + %
4%	$0 - $8,500	$0 + 4% of excess
4.5%	$8,500 - $11,700	$340 + 4.5% of excess
5.25%	$11,700 - $13,900	$484 + 5.25% of excess
5.85%	$13,900 - $80,650	$600 + 5.85% of excess
6.25%	$80,650 - $215,400	$4,504 + 6.25% of excess
6.85%	$215,400 - $1,077,550	$12,926 + 6.85% of excess
9.65%	$1,077,550 - $5,000,000	$71,984 + 9.65% of excess
10.3%	$5,000,000 - $25,000,000	$450,500 + 10.3% of excess
10.9%	$25,000,000 - and above	$2,510,500 + 10.9% of excess

Tax Rate	Income Range
3.078%	$0 - $12,000
3.762%	$12,000 - $25,000
3.819%	$25,000 - $50,000
3.876%	$50,000 - and above

Federal Tax

Standard deduction: $15,750 (Single) / $31,500 (Married)
7 Tax Brackets: 10% to 37%

FICA Taxes

Social Security: 6.2% (cap $176,100)
Medicare: 1.45% (no limit) + 0.9% surtax >$200k

Other NY Taxes

NY SDI: 0.5% (Max $0.60/week)
Yonkers: Resident surcharge is 16.75% of Net State Tax

Why Use Our New York Paycheck Calculator?

New York has one of the most complex income tax systems in the United States. Unlike most states, your take-home pay here depends heavily on exactly where you live. Our free New York Paycheck Calculator is designed to handle this complexity, specifically calculating the "triple tax" burden: Federal, NY State, and Local taxes.

Whether you live in Manhattan, Brooklyn, Yonkers, or Upstate, this tool uses updated 2026 tax tables to convert your gross salary into accurate net pay. By inputting your residence, our paycheck calculator automatically applies the specific NYC or Yonkers tax surcharges that standard estimators often miss.

Stop guessing. Use this New York salary calculator to see exactly how much money will land in your bank account after the IRS and New York State Department of Taxation take their share.

Breakdown: Where Does Your Salary Go?

Federal Tax: Based on 2026 IRS progressive brackets (10% - 37%).
NY State Tax: Progressive rates from 4.00% to 10.90%.
NYC Local Tax: Additional 3.078% - 3.876% (NYC residents only).
Yonkers Surcharge: 16.75% of state tax (Resident) or 0.5% (Non-resident).
FICA Taxes: Social Security (6.2%) and Medicare (1.45%+).
NY SDI: Mandatory State Disability Insurance deduction (max $0.60/week).

Understanding NYC & Yonkers Taxes

If you check your New York paycheck and see more deductions than expected, it's likely due to local taxes. New York City (covering Bronx, Kings, New York, Queens, and Richmond counties) imposes a separate personal income tax.

For 2026, the NYC tax rate works like a second state tax, ranging from roughly 3% to nearly 4%. This means a $100,000 salary in NYC yields significantly less net pay than the same salary in Albany or Buffalo. Our New York Paycheck Calculator adjusts for this automatically when you select your location.

Similarly, Yonkers is the only other city in New York State with a personal income tax surcharge. Residents pay an extra 16.75% of their Net State Tax. This distinct calculation is fully supported in our tool to ensure your net pay estimate is spot-on.

Maximizing Your NY Take-Home Pay

Living in a high-tax state like New York makes pre-tax deductions even more valuable. Contributions to a 401(k), 403(b), or HSA reduce your taxable income for Federal, State, and NYC taxes simultaneously. Use the "Advanced Options" in this New York salary calculator to see how boosting your retirement savings can actually lower your tax bill and optimize your effective tax rate.

Tax Comparison: NYC vs. Other Major Cities

Location	State Tax	Local Tax	Total Tax Burden %	Take-Home Pay
NYC New York City Highest New York	~5.3%	~3.4%	31.4%	$68,600
YNK Yonkers New York	~5.3%	~0.9%	28.9%	$71,100
ALB Albany New York	~5.3%	0%	28.0%	$72,000
SF San Francisco California	~6.3%	0%	29.0%	$71,000
AUS Austin Texas	0%	0%	22.7%	$77,300
MIA Miami Florida	0%	0%	22.7%	$77,300

Insight: Comparison based on a single filer earning $100,000 annually in 2026. Notice how New York City and Yonkers have higher tax burdens due to local income taxes, resulting in a lower paycheck compared to other NY cities like Albany.