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Tax year 2026 · state vs state

Hawaii vs New York Income Tax Comparison (2026)

On a $75,000 salary (single filer, 2026), you pay $717 less state income tax a year in New York than in Hawaii, which is about $60 a month. At $150,000 the gap is $2,118 in favor of New York.

Hawaii: up to 11%New York: up to 10.9%Updated October 10, 2026

Compare Hawaii and New York for your income

Estimate for education only, not tax advice. 2026 federal and state rules, standard deductions, no local taxes. How we calculate.

State comparison

Comparing 2 states, sorted by lowest overall tax rate.

1New York

Lowest

22.5%

Overall effective tax rate

  • Net
  • Federal
  • State
  • FICA
Federal income tax
$7,670
State income tax
$3,453
Payroll tax (FICA)
$5,738
Total tax
$16,861
Net income (annual)
$58,140

2Hawaii

23.4%

Overall effective tax rate

  • Net
  • Federal
  • State
  • FICA
Federal income tax
$7,670
State income tax
$4,170
Payroll tax (FICA)
$5,738
Total tax
$17,577
Net income (annual)
$57,423

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💰 Monthly breakdown

Your take-home pay, spread across the year

New York

Monthly gross$6,250
Monthly tax$1,405
Monthly take-home$4,845

Hawaii

Monthly gross$6,250
Monthly tax$1,465
Monthly take-home$4,785

Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.

Hawaii vs New York: how the two systems differ

HawaiiNew York
Wage income taxProgressive, 12 bracketsProgressive, 9 brackets
Top rate11%10.9%
Lowest rate1.4%3.9%
Deductions and credits (single)$4,400 standard deduction, $1,144 personal exemption$8,000 standard deduction

State income tax and take-home pay at every salary

The same salary can leave you with different take-home pay depending on the state. This table applies each state’s 2026 rules to a single filer with no pre-tax contributions.

IncomeHI state taxNY state taxDifferenceHI take-homeNY take-home
$30,000$890$1,023$133 less in Hawaii$25,395$25,262
$40,000$1,570$1,563$7 less in New York$32,750$32,757
$50,000$2,284$2,103$181 less in New York$40,071$40,252
$60,000$3,030$2,643$387 less in New York$47,360$47,747
$75,000$4,170$3,453$717 less in New York$57,423$58,140
$100,000$6,070$4,860$1,210 less in New York$73,110$74,320
$150,000$9,928$7,810$2,118 less in New York$103,863$105,981
$250,000$18,217$13,962$4,255 less in New York$164,965$169,220

Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.

Married filing jointly

IncomeHI state taxNY state taxDifferenceHI take-homeNY take-home
$75,000$2,800$2,851$50 less in Hawaii$61,822$61,772
$100,000$4,568$4,201$367 less in New York$80,142$80,509
$150,000$8,340$6,901$1,439 less in New York$114,845$116,284
$250,000$15,940$12,663$3,277 less in New York$181,528$184,805

Married filing jointly, 2026, federal standard deduction. Uses each state's joint brackets where they differ.

Does the lower-tax state change as income rises?

For a single filer, Hawaii is the lower-tax state up to roughly $40,000 of income, and New York becomes the lower-tax state above that.

Rates side by side

Hawaii (single filers)

1.4%Up to $9,600
3.2%$9,601 to $14,400
5.5%$14,401 to $19,200
6.4%$19,201 to $24,000
6.8%$24,001 to $36,000
7.2%$36,001 to $48,000
7.6%$48,001 to $125,000
7.9%$125,001 to $175,000
8.25%$175,001 to $225,000
9%$225,001 to $275,000
10%$275,001 to $325,000
11%Over $325,000

New York (single filers)

3.9%Up to $8,500
4.4%$8,501 to $11,700
5.15%$11,701 to $13,900
5.4%$13,901 to $80,650
5.9%$80,651 to $215,400
6.85%$215,401 to $1,077,550
9.65%$1,077,551 to $5,000,000
10.3%$5,000,001 to $25,000,000
10.9%Over $25,000,000

Full details for each state: Hawaii income tax calculator and New York income tax calculator. Federal rates are on the 2026 federal tax brackets page.

Hawaii vs New York FAQ

Which has lower income tax, Hawaii or New York?+

New York is lower at $75,000: $3,453 of state income tax versus $4,170 in Hawaii. At $150,000 it is $9,928 in Hawaii and $7,810 in New York. For a single filer, Hawaii is the lower-tax state up to roughly $40,000 of income, and New York becomes the lower-tax state above that.

How much more do I keep on $100,000 in Hawaii versus New York?+

A single filer keeping $73,110 a year in Hawaii would keep $74,320 in New York after federal, state and payroll tax. The difference is $1,210 a year, or $101 a month.

How do the Hawaii and New York income tax systems differ?+

Hawaii uses progressive rates up to 11%; New York uses progressive rates up to 10.9%. State deductions and exemptions also differ, which changes how much income is taxed.

Are local taxes included in this Hawaii vs New York comparison?+

No. It covers federal income tax, Social Security, Medicare and state income tax only. City, county, sales and property taxes are not included, and they can change the real cost of living in each state.

Should I move from Hawaii to New York to save on taxes?+

State income tax is one cost among many. Property and sales taxes, housing, insurance and wages also differ, and you may owe tax to both states in the year you move. Use this comparison as one input and confirm details with a tax professional.

Sources

Last checked October 10, 2026. Confirm with your state tax agency before filing.

More state comparisons

Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.