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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.

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New York state tax quick facts
  • State income tax: 4% - 8.82%
  • NYC income tax: 2.907% - 3.876% (in addition to state tax)
  • Sales tax: 7% - 8.875%
  • Property tax: 1.5% average effective rate
  • Gas tax: 45.09 cents per gallon (regular), 46.28 cents per gallon (diesel)

For taxpayers in the state of New York, there’s New York City, and then there’s everywhere else. While the state’s tax system combines a relatively low sales tax rate (4%, tied for 7th lowest in the country) with an income tax system that leans heavily on high earners, 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.

New York Income Tax

New York’s top marginal income tax rate of 8.82% is eighth 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. As of 2015, only individuals making more than $1.06 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. So for example, the first bracket goes up to $16,700 instead of $8,300.

State Income Tax Brackets

Single Filers
New York Taxable IncomeRate
$0 - $8,4004.00%
$8,400 - $11,6004.50%
$11,600 - $13,7505.25%
$13,750 - $21,1505.90%
$21,150 - $79,6006.45%
$79,600 - $212,5006.65%
$212,500 - $1,062,6506.85%
$1,062,650+8.82%
Married, Filing Jointly
New York Taxable IncomeRate
$0 - $16,9504.00%
$16,950 - $23,3004.50%
$23,300 - $27,5505.25%
$27,550 - $42,4505.90%
$42,450 - $159,3506.45%
$159,350 - $318,7506.65%
$318,750 - $2,125,4506.85%
$2,125,450+8.82%
Married, Filing Separately
New York Taxable IncomeRate
$0 - $8,4004.00%
$8,400 - $11,6004.50%
$11,600 - $13,7505.25%
$13,750 - $21,1505.90%
$21,150 - $79,6006.45%
$79,600 - $212,5006.65%
$212,500 - $1,062,6506.85%
$1,062,650+8.82%
Head of Household
New York Taxable IncomeRate
$0 - $12,7004.00%
$12,700 - $17,4504.50%
$17,450 - $20,6505.25%
$20,650 - $31,8005.90%
$31,800 - $106,2006.45%
$106,200 - $265,6006.65%
$265,600 - $1,594,0506.85%
$1,594,050+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 2.9% of taxable income to 3.88% for top earners. Below are the rates for New York City alone.

NYC Income Tax Brackets

Single Filers
New York Taxable IncomeRate
$0 - $12,0002.907%
$12,000 - $25,0003.534%
$25,000 - $50,0003.591%
$50,000 - $500,0003.648%
$500,000+3.876%
Married, Filing Jointly
New York Taxable IncomeRate
$0 - $21,6002.907%
$21,600 - $45,0003.534%
$45,000 - $90,0003.591%
$90,000 - $500,0003.648%
$500,000+3.876%
Married, Filing Separately
New York Taxable IncomeRate
$0 - $12,0002.907%
$12,000 - $25,0003.534%
$25,000 - $50,0003.591%
$50,000 - $500,0003.648%
$500,000+3.876%
Head of Household
New York Taxable IncomeRate
$0 - $14,4002.907%
$14,400 - $30,0003.534%
$30,000 - $60,0003.591%
$60,000 - $500,0003.648%
$500,000+3.876%

You’ll note that in our discussion of tax rates above 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 $7,900. 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 you 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 (or $10,000 as a deduction); 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 only than the six states that charge no sales tax at all. However, most counties in New York collect additional surcharges on top of that 4% rate, which means, depending on where you are, actual rates will likely be higher. The table below shows the total state and local sales tax rates for all New York Counties.

Sales Tax Rates (Updated January 2016)

CountyState RateCounty RateTotal Sales Tax
Albany4.00%4.000%8.000%
Allegany4.00%4.500%8.500%
Bronx4.00%4.875%8.875%
Broome4.00%4.000%8.000%
Cattaraugus4.00%4.000%8.000%
Cayuga4.00%4.000%8.000%
Chautauqua4.00%3.500%7.500%
Chemung4.00%4.000%8.000%
Chenango4.00%4.000%8.000%
Clinton4.00%4.000%8.000%
Columbia4.00%4.000%8.000%
Cortland4.00%4.000%8.000%
Delaware4.00%4.000%8.000%
Dutchess4.00%4.125%8.125%
Erie4.00%4.750%8.750%
Essex4.00%4.000%8.000%
Franklin4.00%4.000%8.000%
Fulton4.00%4.000%8.000%
Genesee4.00%4.000%8.000%
Greene4.00%4.000%8.000%
Hamilton4.00%4.000%8.000%
Herkimer4.00%4.250%8.250%
Jefferson4.00%3.750%7.750%
Kings4.00%4.875%8.875%
Lewis4.00%4.000%8.000%
Livingston4.00%4.000%8.000%
Madison4.00%4.000%8.000%
Monroe4.00%4.000%8.000%
Montgomery4.00%4.000%8.000%
Nassau4.00%4.625%8.625%
New York4.00%0.000%4.000%
Niagara4.00%4.000%8.000%
Oneida4.00%4.750%8.750%
Onondaga4.00%4.000%8.000%
Ontario4.00%3.500%7.500%
Orange4.00%4.125%8.125%
Orleans4.00%4.000%8.000%
Oswego4.00%4.000%8.000%
Otsego4.00%4.000%8.000%
Putnam4.00%4.375%8.375%
Queens4.00%4.875%8.875%
Rensselaer4.00%4.000%8.000%
Richmond4.00%4.875%8.875%
Rockland4.00%4.375%8.375%
Saratoga4.00%3.000%7.000%
Schenectady4.00%4.000%8.000%
Schoharie4.00%4.000%8.000%
Schuyler4.00%4.000%8.000%
Seneca4.00%4.000%8.000%
St. Lawrence4.00%4.000%8.000%
Steuben4.00%4.000%8.000%
Suffolk4.00%4.625%8.625%
Sullivan4.00%4.000%8.000%
Tioga4.00%4.000%8.000%
Tompkins4.00%4.000%8.000%
Ulster4.00%4.000%8.000%
Warren4.00%3.000%7.000%
Washington4.00%3.000%7.000%
Wayne4.00%4.000%8.000%
Westchester4.00%3.375%7.375%
Wyoming4.00%4.000%8.000%
Yates4.00%4.000%8.000%
CityState RateCounty + City RateTotal Sales Tax
Airmont4.00%4.375%8.375%
Albany4.00%4.000%8.000%
Amityville4.00%4.625%8.625%
Amsterdam4.00%4.000%8.000%
Auburn4.00%4.000%8.000%
Babylon4.00%4.625%8.625%
Batavia4.00%4.000%8.000%
Beacon4.00%4.125%8.125%
Binghamton4.00%4.000%8.000%
Buffalo4.00%4.750%8.750%
Canandaigua4.00%3.500%7.500%
Cohoes4.00%4.000%8.000%
Corning4.00%4.000%8.000%
Cortland4.00%4.000%8.000%
Depew4.00%4.750%8.750%
Dobbs Ferry4.00%3.375%7.375%
Dunkirk4.00%3.500%7.500%
East Rockaway4.00%4.625%8.625%
Elmira4.00%4.000%8.000%
Endicott4.00%4.000%8.000%
Floral Park4.00%4.625%8.625%
Fredonia4.00%3.500%7.500%
Freeport4.00%4.625%8.625%
Fulton4.00%4.000%8.000%
Garden City4.00%4.625%8.625%
Geneva4.00%3.500%7.500%
Glen Cove4.00%4.625%8.625%
Glens Falls4.00%3.000%7.000%
Gloversville4.00%4.000%8.000%
Great Neck4.00%4.625%8.625%
Hamburg4.00%4.750%8.750%
Harrison4.00%3.375%7.375%
Haverstraw4.00%4.375%8.375%
Hempstead4.00%4.625%8.625%
Ithaca4.00%4.000%8.000%
Jamestown4.00%3.500%7.500%
Johnson City4.00%4.000%8.000%
Kenmore4.00%4.750%8.750%
Kingston4.00%4.000%8.000%
Kiryas Joel4.00%4.125%8.125%
Lackawanna4.00%4.750%8.750%
Lake Grove4.00%4.625%8.625%
Lancaster4.00%4.750%8.750%
Lindenhurst4.00%4.625%8.625%
Lockport4.00%4.000%8.000%
Long Beach4.00%4.625%8.625%
Lynbrook4.00%4.625%8.625%
Mamaroneck4.00%3.375%7.375%
Massapequa Park4.00%4.625%8.625%
Massena4.00%4.000%8.000%
Mastic Beach4.00%4.625%8.625%
Middletown4.00%4.125%8.125%
Mineola4.00%4.625%8.625%
Mount Kisco4.00%3.375%7.375%
Mount Vernon4.00%4.375%8.375%
New Hyde Park4.00%4.625%8.625%
New Rochelle4.00%4.375%8.375%
New York4.00%4.875%8.875%
Newark4.00%4.000%8.000%
Newburgh4.00%4.125%8.125%
Niagara Falls4.00%4.000%8.000%
North Tonawanda4.00%4.000%8.000%
Ogdensburg4.00%4.000%8.000%
Olean4.00%4.000%8.000%
Oneida4.00%4.000%8.000%
Oneonta4.00%4.000%8.000%
Ossining4.00%3.375%7.375%
Oswego4.00%4.000%8.000%
Patchogue4.00%4.625%8.625%
Peekskill4.00%3.375%7.375%
Plattsburgh4.00%4.000%8.000%
Port Chester4.00%3.375%7.375%
Port Jervis4.00%4.125%8.125%
Potsdam4.00%4.000%8.000%
Poughkeepsie4.00%4.125%8.125%
Rensselaer4.00%4.000%8.000%
Rochester4.00%4.000%8.000%
Rockville Centre4.00%4.625%8.625%
Rome4.00%4.750%8.750%
Rye4.00%3.375%7.375%
Rye Brook4.00%3.375%7.375%
Saratoga Springs4.00%3.000%7.000%
Scarsdale4.00%3.375%7.375%
Schenectady4.00%4.000%8.000%
Sleepy Hollow4.00%3.375%7.375%
Spring Valley4.00%4.375%8.375%
Suffern4.00%4.375%8.375%
Syracuse4.00%4.000%8.000%
Tarrytown4.00%3.375%7.375%
Tonawanda4.00%4.750%8.750%
Troy4.00%4.000%8.000%
Utica4.00%4.750%8.750%
Valley Stream4.00%4.625%8.625%
Watertown4.00%3.750%7.750%
Watervliet4.00%4.000%8.000%
West Haverstraw4.00%4.375%8.375%
Westbury4.00%4.625%8.625%
White Plains4.00%4.375%8.375%
Woodbury4.00%4.625%8.625%
Yonkers4.00%4.375%8.375%

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 New York cities have sales tax rates that are different than the county in which they are located. In Mount Vernon, New Rochelle, White Plains and Yonkers, total rates are 8.375%, 1% higher than the rest of Westchester County.

Not all products are subject to sales taxes in New York. For example, food sold in grocery stores 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, and other tobacco products have a tax equaling 75% of the wholesale price. In New York City, there is a 10.375% tax on private parking services like garages or storage, and in Manhattan that rate rises to 18.375%.

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 0.7% 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 closer to 2%.

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 current exemption is $2.06 million, which means that any bequeathed estate valued below that amount is not taxable. That exemption will grow in coming years, until it matches the federal exemption of $5.43 million by 2019.

New York Gasoline Tax

There are multiple taxes and fees on gasoline purchases in New York State, totaling 45.09 cents per gallon as of January 2015. That is the 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, 20th highest overall, while beer is taxed at a rate of 14 cents per gallon, 13th lowest.

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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Rank County Income Tax Sales Tax Property Tax Fuel Tax

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 rank the counties to calculate a total tax burden.

Sources: US Census Bureau 2015 American Community Survey, Government Sources, Avalara, American Petroleum Institute, GasBuddy, UMTRI, Federal Highway Administration, SmartAsset

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