Massachusetts vs New York Income Tax (2026)

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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

Massachusetts

Monthly gross$6,250

Monthly tax$1,411

Monthly take-home$4,839

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

Massachusetts vs New York: how the two systems differ

	Massachusetts	New York
Wage income tax	Progressive, 2 brackets	Progressive, 9 brackets
Top rate	9%	10.9%
Lowest rate	5%	3.9%
Deductions and credits (single)	$4,400 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.

Income	MA state tax	NY state tax	Difference	MA take-home	NY take-home
$30,000	$1,280	$1,023	$257 less in New York	$25,005	$25,262
$40,000	$1,780	$1,563	$217 less in New York	$32,540	$32,757
$50,000	$2,280	$2,103	$177 less in New York	$40,075	$40,252
$60,000	$2,780	$2,643	$137 less in New York	$47,610	$47,747
$75,000	$3,530	$3,453	$77 less in New York	$58,063	$58,140
$100,000	$4,780	$4,860	$80 less in Massachusetts	$74,400	$74,320
$150,000	$7,280	$7,810	$530 less in Massachusetts	$106,511	$105,981
$250,000	$12,280	$13,962	$1,682 less in Massachusetts	$170,902	$169,220

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

Married filing jointly

Income	MA state tax	NY state tax	Difference	MA take-home	NY take-home
$75,000	$3,310	$2,851	$459 less in New York	$61,313	$61,772
$100,000	$4,560	$4,201	$359 less in New York	$80,150	$80,509
$150,000	$7,060	$6,901	$159 less in New York	$116,125	$116,284
$250,000	$12,060	$12,663	$603 less in Massachusetts	$185,408	$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, New York is the lower-tax state up to roughly $92,500 of income, and Massachusetts becomes the lower-tax state above that.

Rates side by side

Massachusetts (single filers)

5%	Up to $1,083,150
9%	Over $1,083,150

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

Massachusetts: The 9% rate is the 4% “millionaires tax” surtax on income above the threshold, added to the 5% base rate.
New York: New York City and Yonkers residents also pay a local income tax (New York City is roughly 3.1% to 3.9%), which is not included here.

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

Massachusetts vs New York FAQ

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

New York is lower at $75,000: $3,453 of state income tax versus $3,530 in Massachusetts. At $150,000 it is $7,280 in Massachusetts and $7,810 in New York. For a single filer, New York is the lower-tax state up to roughly $92,500 of income, and Massachusetts becomes the lower-tax state above that.

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

A single filer keeping $74,400 a year in Massachusetts would keep $74,320 in New York after federal, state and payroll tax. The difference is $80 a year, or $7 a month.

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

Massachusetts uses progressive rates up to 9%; 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 Massachusetts 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 Massachusetts 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.

Massachusetts vs New York Income Tax Comparison (2026)

Compare Massachusetts and New York for your income

State comparison

1New York

2Massachusetts