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State Comparison Guide
Living in New York vs. Texas: Take-Home Pay and Tax Differences
Updated for the 2026 Tax Year • 6 min read
Choosing where to live and work between New York and Texas has a profound effect on your financial bottom line. Working in Texas eliminates New York state and municipal payroll tax burdens. While Texas relies on property taxes to fund municipal infrastructure, wage earners who lease apartments or relocate retain thousands more from every paycheck.
Key Tax Differences
- New York State Tax: Progressive (4.0% – 10.9%) + Local Taxes.
- Texas State Tax: 0.00% (No State Income Tax).
- Federal Deductions: Both states are subject to IRS federal withholding and mandatory FICA contributions (6.2% Social Security and 1.45% Medicare).
$100,000 Annual Salary Take-Home Comparison
| Withholding Category | New York ($100k) | Texas ($100k) |
|---|---|---|
| Gross Salary | $100,000 | $100,000 |
| Federal Income Tax (Est.) | ~$13,600 | ~$13,600 |
| FICA (Social Security & Medicare) | $7,650 | $7,650 |
| State Income Tax (PIT) | ~$5,400 | $0.00 |
| Mandatory State Deductions / SDI | ~$300 (PFL) | $0.00 |
| Estimated Annual Net Pay | ~$73,050 | ~$78,750 |
Estimated net pay difference: +$5,700 in Texas.
New York Calculator
Calculate exact take-home pay based on New York state rules.
Texas Calculator
Estimate your net paycheck under Texas tax regulations.