1Texas
Lowest17.9%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $0
- Payroll tax (FICA)
- $5,738
- Total tax
- $13,408
- Net income (annual)
- $61,593
Tax year 2026 · state vs state
New York vs Texas Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $3,453 less state income tax a year in Texas than in New York, which is about $288 a month. At $150,000 the gap is $7,810 in favor of Texas.
New York: up to 10.9%Texas: no state taxUpdated October 10, 2026
Compare New York and Texas 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
Advanced analysis (optional)
Choose which extra insights you would like to see.
💰 Monthly breakdown
Your take-home pay, spread across the year
Texas
Monthly gross$6,250
Monthly tax$1,117
Monthly take-home$5,133
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 York vs Texas: how the two systems differ
| New York | Texas | |
|---|---|---|
| Wage income tax | Progressive, 9 brackets | No tax on wages |
| Top rate | 10.9% | 0% |
| Lowest rate | 3.9% | 0% |
| Deductions and credits (single) | $8,000 standard deduction | Not applicable |
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 | NY state tax | TX state tax | Difference | NY take-home | TX take-home |
|---|---|---|---|---|---|
| $30,000 | $1,023 | $0 | $1,023 less in Texas | $25,262 | $26,285 |
| $40,000 | $1,563 | $0 | $1,563 less in Texas | $32,757 | $34,320 |
| $50,000 | $2,103 | $0 | $2,103 less in Texas | $40,252 | $42,355 |
| $60,000 | $2,643 | $0 | $2,643 less in Texas | $47,747 | $50,390 |
| $75,000 | $3,453 | $0 | $3,453 less in Texas | $58,140 | $61,593 |
| $100,000 | $4,860 | $0 | $4,860 less in Texas | $74,320 | $79,180 |
| $150,000 | $7,810 | $0 | $7,810 less in Texas | $105,981 | $113,791 |
| $250,000 | $13,962 | $0 | $13,962 less in Texas | $169,220 | $183,182 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | NY state tax | TX state tax | Difference | NY take-home | TX take-home |
|---|---|---|---|---|---|
| $75,000 | $2,851 | $0 | $2,851 less in Texas | $61,772 | $64,623 |
| $100,000 | $4,201 | $0 | $4,201 less in Texas | $80,509 | $84,710 |
| $150,000 | $6,901 | $0 | $6,901 less in Texas | $116,284 | $123,185 |
| $250,000 | $12,663 | $0 | $12,663 less in Texas | $184,805 | $197,468 |
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?
Across every income from $10,000 to $1,000,000 that we tested, Texas charges the same or less state income tax than New York for a single filer, so there is no income level where the ranking flips.
Rates side by side
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 |
Texas (single filers)
Texas has no state personal income tax. Its constitution restricts one. State revenue comes mainly from sales tax and property taxes set locally.
- 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 York income tax calculator and Texas income tax calculator. Federal rates are on the 2026 federal tax brackets page.
New York vs Texas FAQ
Which has lower income tax, New York or Texas?+
Texas is lower at $75,000: $0 of state income tax versus $3,453 in New York. At $150,000 it is $7,810 in New York and $0 in Texas. Across every income from $10,000 to $1,000,000 that we tested, Texas charges the same or less state income tax than New York for a single filer, so there is no income level where the ranking flips.
How much more do I keep on $100,000 in New York versus Texas?+
A single filer keeping $74,320 a year in New York would keep $79,180 in Texas after federal, state and payroll tax. The difference is $4,860 a year, or $405 a month.
How do the New York and Texas income tax systems differ?+
New York uses progressive rates up to 10.9%; Texas has no tax on wages. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this New York vs Texas 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 York to Texas 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.
More state comparisons
- California vs New York
- Florida vs New York
- New York vs Washington
- Illinois vs New York
- California vs Texas
- Illinois vs Texas
- All state comparisons →
Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.