1New Jersey
Lowest21.3%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,598
- Payroll tax (FICA)
- $5,738
- Total tax
- $16,005
- Net income (annual)
- $58,995
Tax year 2026 · state vs state
New Jersey vs New York Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $855 less state income tax a year in New Jersey than in New York, which is about $71 a month. At $150,000 the gap is $443 in favor of New Jersey.
New Jersey: up to 10.75%New York: up to 10.9%Updated October 10, 2026
Compare New Jersey 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.
2New York
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
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💰 Monthly breakdown
Your take-home pay, spread across the year
New Jersey
Monthly gross$6,250
Monthly tax$1,334
Monthly take-home$4,916
New York
Monthly gross$6,250
Monthly tax$1,405
Monthly take-home$4,845
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
New Jersey vs New York: how the two systems differ
| New Jersey | New York | |
|---|---|---|
| Wage income tax | Progressive, 7 brackets | Progressive, 9 brackets |
| Top rate | 10.75% | 10.9% |
| Lowest rate | 1.4% | 3.9% |
| Deductions and credits (single) | $1,000 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 | NJ state tax | NY state tax | Difference | NJ take-home | NY take-home |
|---|---|---|---|---|---|
| $30,000 | $438 | $1,023 | $586 less in New Jersey | $25,848 | $25,262 |
| $40,000 | $683 | $1,563 | $881 less in New Jersey | $33,638 | $32,757 |
| $50,000 | $1,215 | $2,103 | $888 less in New Jersey | $41,140 | $40,252 |
| $60,000 | $1,768 | $2,643 | $875 less in New Jersey | $48,622 | $47,747 |
| $75,000 | $2,598 | $3,453 | $855 less in New Jersey | $58,995 | $58,140 |
| $100,000 | $4,182 | $4,860 | $678 less in New Jersey | $74,998 | $74,320 |
| $150,000 | $7,367 | $7,810 | $443 less in New Jersey | $106,424 | $105,981 |
| $250,000 | $13,737 | $13,962 | $226 less in New Jersey | $169,445 | $169,220 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | NJ state tax | NY state tax | Difference | NJ take-home | NY take-home |
|---|---|---|---|---|---|
| $75,000 | $1,400 | $2,851 | $1,451 less in New Jersey | $63,223 | $61,772 |
| $100,000 | $2,640 | $4,201 | $1,560 less in New Jersey | $82,070 | $80,509 |
| $150,000 | $5,405 | $6,901 | $1,495 less in New Jersey | $117,780 | $116,284 |
| $250,000 | $11,759 | $12,663 | $904 less in New Jersey | $185,709 | $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 $12,500 of income, and New Jersey becomes the lower-tax state above that. The order flips again near $570,000, so the better state depends on where your income falls.
Rates side by side
New Jersey (single filers)
| 1.4% | Up to $20,000 |
| 1.75% | $20,001 to $35,000 |
| 3.5% | $35,001 to $40,000 |
| 5.53% | $40,001 to $75,000 |
| 6.37% | $75,001 to $500,000 |
| 8.97% | $500,001 to $1,000,000 |
| 10.75% | Over $1,000,000 |
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 |
- 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: New Jersey income tax calculator and New York income tax calculator. Federal rates are on the 2026 federal tax brackets page.
New Jersey vs New York FAQ
Which has lower income tax, New Jersey or New York?+
New Jersey is lower at $75,000: $2,598 of state income tax versus $3,453 in New York. At $150,000 it is $7,367 in New Jersey and $7,810 in New York. For a single filer, New York is the lower-tax state up to roughly $12,500 of income, and New Jersey becomes the lower-tax state above that. The order flips again near $570,000, so the better state depends on where your income falls.
How much more do I keep on $100,000 in New Jersey versus New York?+
A single filer keeping $74,998 a year in New Jersey would keep $74,320 in New York after federal, state and payroll tax. The difference is $678 a year, or $56 a month.
How do the New Jersey and New York income tax systems differ?+
New Jersey uses progressive rates up to 10.75%; 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 New Jersey 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 New Jersey 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
- Tax Foundation: 2026 state individual income tax rates and brackets
- IRS: Tax inflation adjustments for tax year 2026
Last checked October 10, 2026. Confirm with your state tax agency before filing.
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Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.