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New York Income Tax Calculator

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Overview of New York Taxes

New York is generally known for high taxes. In parts of the state like New York City, the taxes are even higher. Retired? Use our Retirement Income Tax Calculator.

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Your Income Taxes Breakdown

Tax Type Marginal 
Tax Rate
Effective 
Tax Rate
2018 
Taxes*
Federal
FICA
State
Local
Total Income Taxes
Income After Taxes
Retirement Contributions
Take-Home Pay

* These are the taxes owed for the 2018 - 2019 filing season.

Changes to Your Federal Income
Taxes Under the 2018 Tax Reform

  • Your marginal federal income tax rate
  • Your effective federal income tax rate
  • Your federal income taxes

Total Estimated 2018 Tax Burden

Income Tax $
Sales Tax $
Fuel Tax $
Property Tax$
Total Estimated Tax Burden $
Percent of income to taxes = %
$
  • Our Tax Expert

    Jennifer Mansfield, CPA Tax

    Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.

    ...read more
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Taxes in New York

New York State Tax Quick Facts

  • State income tax: 4.00% - 8.82%
  • NYC income tax: 3.078% - 3.876% (in addition to state tax)
  • Sales tax: 7.00% - 8.875%
  • Property tax: 1.68% average effective rate
  • Gas tax: 45.62 cents per gallon of regular gasoline, 45.02 cents per gallon of diesel

For taxpayers in the state of New York, there’s New York City, and then there’s everywhere else. The state’s tax system combines a relatively low sales tax rate (4%, tied for the third-lowest rate in the country) with an income tax system that leans heavily on high earners. Meanwhile, New York City also levies its own income taxes, which means residents of the Big Apple pay some of the nation’s highest local rates.

A financial advisor in New York can help you understand how taxes fit into your overall financial goals. Financial advisors can also help with investing and financial plans, including retirement, homeownership, insurance and more, to make sure you are preparing for the future.

New York Income Taxes

New York’s top marginal income tax rate of 8.82% is ninth highest in the country, but very few taxpayers pay that amount. The state applies taxes progressively (as does the federal government), with higher earners paying higher rates. For 2018, only individuals making more than $1.08 million dollars pay the top rate, and earners in the next bracket pay nearly 2% less. Joint filers face the same rates, with brackets approximately double those of single filers. For example, the upper limit of the first bracket goes up from $8,500 to to $17,150 if you’re married and filing jointly.

State Income Tax Brackets

Single Filers
New York Taxable IncomeRate
$0 - $8,5004.00%
$8,500 - $11,7004.50%
$11,700 - $13,9005.25%
$13,900 - $21,4005.90%
$21,400 - $80,6506.45%
$80,650 - $215,4006.65%
$215,400 - $1,077,5506.85%
$1,077,550+8.82%
Married, Filing Jointly
New York Taxable IncomeRate
$0 - $17,1504.00%
$17,150 - $23,6004.50%
$23,600 - $27,9005.25%
$27,900 - $43,0005.90%
$43,000 - $161,5506.45%
$161,550 - $323,2006.65%
$323,200 - $2,155,3506.85%
$2,155,350+8.82%
Married, Filing Separately
New York Taxable IncomeRate
$0 - $8,5004.00%
$8,500 - $11,7004.50%
$11,700 - $13,9005.25%
$13,900 - $21,4005.90%
$21,400 - $80,6506.45%
$80,650 - $215,4006.65%
$215,400 - $1,077,5506.85%
$1,077,550+8.82%
Head of Household
New York Taxable IncomeRate
$0 - $12,8004.00%
$12,800 - $17,6504.50%
$17,650 - $20,9005.25%
$20,900 - $32,2005.90%
$32,200 - $107,6506.45%
$107,650 - $269,3006.65%
$269,300 - $1,616,4506.85%
$1,616,450+8.82%

New York City collects its own income taxes in addition to those collected by the state. The city’s tax rates range from 3.078% of taxable income to 3.876% for top earners. Below are the rates for New York City alone.

NYC Income Tax Brackets

Single Filers
New York Taxable IncomeRate
$0 - $12,0003.078%
$12,000 - $25,0003.819%
$25,000 - $50,0003.876%
$50,000+3.648%
Married, Filing Jointly
New York Taxable IncomeRate
$0 - $21,6003.078%
$21,600 - $45,0003.819%
$45,000 - $90,0003.876%
$90,000+3.648%
Married, Filing Separately
New York Taxable IncomeRate
$0 - $12,0003.078%
$12,000 - $25,0003.819%
$25,000 - $50,0003.876%
$50,000+3.648%
Head of Household
New York Taxable IncomeRate
$0 - $12,0003.078%
$12,000 - $25,0003.819%
$25,000 - $50,0003.876%
$50,000 - $500,0003.648%

You’ll note that in our discussion of tax rates above that we used the term “taxable income.” This is different from actual income earned, because it accounts for tax deductions and exemptions. In New York, the standard deduction for a single earner is $8,000. This means that when calculating New York taxes, you should first subtract that amount from your income (unless you have itemized deductions of a greater amount).

New York Tax Credits

A tax credit reduces your income taxes by the full amount of the credit. So if you owe $5,000 in taxes and are eligible for a tax credit of $500, you only need to pay $4,500 total. There are numerous additional tax credits offered in the state of New York, many of which primarily benefit low income households.

Among the credits available are the Earned Income Tax Credit, which is equal to 30% of the federal credit by the same name; the college tuition credit (this can also be filed as a deduction) worth up to $400; and the child and dependent care credit, which ranges from 20% to 110% of the federal credit by the same name, depending on the taxpayer’s New York State taxable income.

New York Sales Tax

At 4%, New York’s sales tax rate is higher than only six other states. However, all counties in New York collect additional surcharges on top of that 4% rate. This means that, depending on where you are, actual rates may be significantly higher than other parts of the country. The table below shows the total state and local sales tax rates for all New York counties.

Sales Tax Rates(Updated January 2019)

County
CountyState RateCounty RateTotal Sales Tax
Albany4.000%4.000%8.000%
Allegany4.000%4.500%8.500%
Bronx4.000%4.875%8.875%
Broome4.000%4.000%8.000%
Cattaraugus4.000%4.000%8.000%
Cayuga4.000%4.000%8.000%
Chautauqua4.000%3.500%7.500%
Chemung4.000%4.000%8.000%
Chenango4.000%4.000%8.000%
Clinton4.000%4.000%8.000%
Columbia4.000%4.000%8.000%
Cortland4.000%4.000%8.000%
Delaware4.000%4.000%8.000%
Dutchess4.000%4.125%8.125%
Erie4.000%4.750%8.750%
Essex4.000%4.000%8.000%
Franklin4.000%4.000%8.000%
Fulton4.000%4.000%8.000%
Genesee4.000%4.000%8.000%
Greene4.000%4.000%8.000%
Hamilton4.000%4.000%8.000%
Herkimer4.000%4.250%8.250%
Jefferson4.000%4.000%8.000%
Kings (Brooklyn)4.000%4.875%8.875%
Lewis4.000%4.000%8.000%
Livingston4.000%4.000%8.000%
Madison4.000%4.000%8.000%
Monroe4.000%4.000%8.000%
Montgomery4.000%4.000%8.000%
Nassau4.000%4.625%8.625%
New York (Manhattan)4.000%4.875%8.875%
Niagara4.000%4.000%8.000%
Oneida4.000%4.750%8.750%
Onondaga4.000%4.000%8.000%
Ontario4.000%3.500%7.500%
Orange4.000%4.125%8.125%
Orleans4.000%4.000%8.000%
Oswego4.000%4.000%8.000%
Otsego4.000%4.000%8.000%
Putnam4.000%4.375%8.375%
Queens4.000%4.875%8.875%
Rensselaer4.000%4.000%8.000%
Richmond (Staten Island)4.000%4.875%8.875%
Rockland4.000%4.375%8.375%
Saratoga4.000%3.000%7.000%
Schenectady4.000%4.000%8.000%
Schoharie4.000%4.000%8.000%
Schuyler4.000%4.000%8.000%
Seneca4.000%4.000%8.000%
St. Lawrence4.000%4.000%8.000%
Steuben4.000%4.000%8.000%
Suffolk4.000%4.625%8.625%
Sullivan4.000%4.000%8.000%
Tioga4.000%4.000%8.000%
Tompkins4.000%4.000%8.000%
Ulster4.000%4.000%8.000%
Warren4.000%3.000%7.000%
Washington4.000%3.000%7.000%
Wayne4.000%4.000%8.000%
Westchester4.000%3.375%7.375%
Wyoming4.000%4.000%8.000%
Yates4.000%4.000%8.000%
City
CityState RateCounty + City RateTotal Sales Tax
Airmont4.000%4.375%8.375%
Albany4.000%4.000%8.000%
Amityville4.000%4.625%8.625%
Amsterdam4.000%4.000%8.000%
Auburn4.000%4.000%8.000%
Babylon4.000%4.625%8.625%
Batavia4.000%4.000%8.000%
Beacon4.000%4.125%8.125%
Binghamton4.000%4.000%8.000%
Buffalo4.000%4.750%8.750%
Canandaigua4.000%3.500%7.500%
Cohoes4.000%4.000%8.000%
Corning4.000%4.000%8.000%
Cortland4.000%4.000%8.000%
Depew4.000%4.750%8.750%
Dobbs Ferry4.000%3.375%7.375%
Dunkirk4.000%4.000%8.000%
East Rockaway4.000%4.625%8.625%
Elmira4.000%4.000%8.000%
Endicott4.000%4.000%8.000%
Floral Park4.000%4.875%8.875%
Fredonia4.000%4.000%8.000%
Freeport4.000%4.625%8.625%
Fulton4.000%4.000%8.000%
Garden City4.000%4.625%8.625%
Geneva4.000%3.500%7.500%
Glen Cove4.000%4.625%8.625%
Glens Falls4.000%3.000%7.000%
Gloversville4.000%4.000%8.000%
Great Neck4.000%4.625%8.625%
Hamburg4.000%4.750%8.750%
Harrison4.000%3.375%7.375%
Haverstraw4.000%4.375%8.375%
Hempstead4.000%4.625%8.625%
Ithaca4.000%4.000%8.000%
Jamestown4.000%4.000%8.000%
Johnson City4.000%4.000%8.000%
Kenmore4.000%4.750%8.750%
Kingston4.000%4.000%8.000%
Kiryas Joel4.000%4.125%8.125%
Lackawanna4.000%4.750%8.750%
Lake Grove4.000%4.625%8.625%
Lancaster4.000%4.750%8.750%
Lindenhurst4.000%4.625%8.625%
Lockport4.000%4.000%8.000%
Long Beach4.000%4.625%8.625%
Lynbrook4.000%4.625%8.625%
Mamaroneck4.000%3.375%7.375%
Massapequa Park4.000%4.625%8.625%
Massena4.000%4.000%8.000%
Mastic Beach4.000%4.625%8.625%
Middletown4.000%4.125%8.125%
Mineola4.000%4.625%8.625%
Mount Kisco4.000%3.375%7.375%
Mount Vernon4.000%4.375%8.375%
New Hyde Park4.000%4.625%8.625%
New Rochelle4.000%4.375%8.375%
New York4.000%4.875%8.875%
Newark4.000%4.000%8.000%
Newburgh4.000%4.125%8.125%
Niagara Falls4.000%4.000%8.000%
North Tonawanda4.000%4.000%8.000%
Ogdensburg4.000%4.000%8.000%
Olean4.000%4.000%8.000%
Oneida4.000%4.000%8.000%
Oneonta4.000%4.000%8.000%
Ossining4.000%3.375%7.375%
Oswego4.000%4.000%8.000%
Patchogue4.000%4.625%8.625%
Peekskill4.000%3.375%7.375%
Plattsburgh4.000%4.000%8.000%
Port Chester4.000%3.375%7.375%
Port Jervis4.000%4.125%8.125%
Potsdam4.000%4.000%8.000%
Poughkeepsie4.000%4.125%8.125%
Rensselaer4.000%4.000%8.000%
Rochester4.000%4.000%8.000%
Rockville Centre4.000%4.625%8.625%
Rome4.000%4.750%8.750%
Rye4.000%3.375%7.375%
Rye Brook4.000%3.375%7.375%
Saratoga Springs4.000%3.000%7.000%
Scarsdale4.000%3.375%7.375%
Schenectady4.000%4.000%8.000%
Sleepy Hollow4.000%3.375%7.375%
Spring Valley4.000%4.375%8.375%
Suffern4.000%4.375%8.375%
Syracuse4.000%4.000%8.000%
Tarrytown4.000%3.375%7.375%
Tonawanda4.000%4.750%8.750%
Troy4.000%4.000%8.000%
Utica4.000%4.750%8.750%
Valley Stream4.000%4.625%8.625%
Watertown4.000%4.000%8.000%
Watervliet4.000%4.000%8.000%
West Haverstraw4.000%4.375%8.375%
Westbury4.000%4.625%8.625%
White Plains4.000%4.375%8.375%
Woodbury4.000%4.625%8.625%
Yonkers4.000%4.875%8.875%

Note that all five New York City counties (New York, Kings, Queens, Bronx and Richmond) are subject to the full city tax rate of 8.875% - the highest total rate in the state. That rate includes a 0.375% charge for the Metropolitan Commuter Transportation District, which supports the region’s transportation infrastructure.

Along with New York City’s 8.875% rate, four other cities in New York have sales tax rates that are different than the county in which they are located. In Mount Vernon, New Rochelle and White Plains, the total rate is 8.375%. The sales tax rate in Yonkers is 8.875%. The rest of Westchester County, which these four cities are in, has a sales tax of 7.375%.

Not all products are subject to sales taxes in New York. For example, food sold in grocery stores (except prepared and/or heated food) is generally exempt, and in New York City, clothing and footwear purchases up to $110 are also sales-tax free.

New York Tobacco Tax

On the other hand, many products face higher rates or additional charges. Cigarettes are subject to an excise tax of $4.35 per pack of 20, and other tobacco products have a tax equaling 75% of the wholesale price. In New York City, there is an additional $1.50 excise tax per pack of cigarettes.

New York Property Tax

Property taxes are assessed exclusively by counties and cities in New York State, which means that rates vary significantly from one place to the next. Effective rates - taxes as a percentage of actual value (as opposed to assessed value) - run from less than 1% to about 3.5%.

Surprisingly, the city with the lowest effective property tax rate is New York City, where property taxes paid total an average of just 0.80% of property value. The reason for that relatively low rate is that the taxable value of most residential property in New York City is equal to just 6% of the market value. That is, if your home is worth $500,000, you will only be charged taxes on $30,000 of that amount. Outside of New York City, however, rates are generally between 2% and 3%.

Regardless of city, if you are looking to refinance or purchase a property in New York with a mortgage, check out our guide to mortgages in New York. We’ve got details on average mortgage rates and other information about getting a mortgage in the Empire State. You can also use our New York property tax calculator to find out what you would pay in property taxes in New York.

New York Estate Tax

New York’s estate tax is based on a graduated rate scale, with tax rates increasing from 5% to 16% as the value of the estate grows. The exemption for 2019 is $5.74 million, which means that any bequeathed estate valued below that amount is not taxable. For 2017 and 2018 the exemption was $5.25 million.

New York Gasoline Tax

There are multiple taxes and fees on gasoline purchases in New York State, totaling 45.62 cents per gallon as of October 2018. That is the fifth-highest total gas tax in the country.

New York Capital Gains Tax

Capital gains in New York are taxed as normal income, according to the rates described above.

New York Alcohol Tax

Alcohol taxes in the Empire State are near the U.S. averages. Liquor is taxed at a rate of $6.44 per gallon, 22nd-highest overall, while beer is taxed at a rate of 14 cents per gallon, 12th-lowest in the country. New York City charges an additional tax of $1 per gallon of liquor and 12 cents per gallon of beer.

Photo credit: flickr
  • New York is the only state to touch one of the Great Lakes and the Atlantic Ocean.
  • The capital of New York is Albany.
  • Toilet paper was invented in New York City, in 1857.
  • The median monthly rent in Manhattan is over $3,000 dollars.

Places with the Lowest Tax Burden

Are you curious how your tax burden stacks up against others in your state? SmartAsset’s interactive map highlights the counties with the lowest tax burden. Scroll over any county in the state to learn about taxes in that specific area.

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Methodology

Where you live can have a big impact on both which types of taxes you have to pay each year and how much money you spend on them. SmartAsset calculated the amount of money a specific person would pay in income, sales, property and fuel taxes in each county in the country and ranked the lowest to highest tax burden.

To better compare income tax burdens across counties, we used the national median household income. We then applied relevant deductions and exemptions before calculating federal, state and local income taxes.

In order to determine sales tax burden we estimated that 35% of take-home (after-tax) pay is spent on taxable goods. We multiplied the average sales tax rate for a county by the household income less income tax. This product is then multiplied by 35% to estimate the sales tax paid.

For property taxes, we compared the median property taxes paid in each county.

For fuel taxes, we first distributed statewide vehicle miles traveled down to the county level using the number of vehicles in each county. We then calculated the total number of licensed drivers within each county. The countywide miles were then distributed amongst the licensed drivers in the county, which gave us the miles driven per licensed driver. Using the nationwide average fuel economy, we calculated the average gallons of gas used per driver in each county and multiplied that by the fuel tax.

We then added the dollar amount for income, sales, property and fuel taxes to calculate a total tax burden. Finally, we created the Tax Burden Index in order to show how each county in the country compares to the county with the lowest tax burden (that is the county with a Tax Burden Index of 100).

Sources: US Census Bureau 2017 American Community Survey, Government Sources, Avalara, American Petroleum Institute, GasBuddy, UMTRI, Federal Highway Administration, SmartAsset