New York → Texas
How much could you save by moving from New York (4% – 10.9%) to Texas (no income tax)? See the full tax comparison below.
Tax Savings by Income Level
| Income | New York Total Tax | Texas Total Tax | Annual Savings |
|---|---|---|---|
| $75,000 | $16,939 | $13,687 | Save $3,252 |
| $100,000 | $25,828 | $21,099 | Save $4,729 |
| $150,000 | $44,396 | $36,542 | Save $7,854 |
| $200,000 | $61,865 | $50,885 | Save $10,979 |
Based on single filer, standard deduction, 2025 tax year. Includes federal income tax, state income tax, and FICA.
Why the difference
You'd save $4,729/year ($394/month) in Texas vs New York.
Tax structure
New York uses progressive brackets up to 10.9%, while Texas has no state income tax.
Effective rate at your income
At $100,000, Texas's effective state rate is 0.0% vs 4.7% in New York — a 4.7 percentage point gap.
New York local taxes
New York City residents pay an additional 3.1-3.9% city income tax on top of state tax.
Tip: If you work in NYC, the city income tax significantly increases your burden. Living outside the city (e.g., New Jersey, Connecticut, or Westchester) can save 3-4% on city tax, but commuter taxes and higher property taxes may partially offset the savings.
Tip: While you save on income tax, Texas property taxes can exceed $5,000-$10,000/year on a median-priced home. Factor in property tax when comparing total tax burden against income-tax states where property taxes may be lower.
Calculate your exact savings →
Enter your income, filing status, and home value for a personalized New York → Texas comparison.
Understanding Each State
New York
New York's state income tax has progressive brackets reaching 10.9%. New York City residents pay an additional city income tax of 3.078-3.876%, making the combined state+city marginal rate up to 14.776% — the highest combined rate in the nation. The Yonkers surcharge adds another 16.75% of state tax for Yonkers residents.
Tip: If you work in NYC, the city income tax significantly increases your burden. Living outside the city (e.g., New Jersey, Connecticut, or Westchester) can save 3-4% on city tax, but commuter taxes and higher property taxes may partially offset the savings.
Texas
Texas has no state income tax, relying instead on property taxes (among the highest in the US at ~1.6-1.8% of home value) and an 8.25% combined sales tax in most areas. For wage earners, the absence of income tax is a major advantage, but property owners face a significant ongoing cost.
Tip: While you save on income tax, Texas property taxes can exceed $5,000-$10,000/year on a median-priced home. Factor in property tax when comparing total tax burden against income-tax states where property taxes may be lower.
Related Resources
Frequently asked questions
How much can I save moving from New York to Texas?
At $100,000 income (single filer), you could save $4,729.38 per year in combined taxes by moving from New York to Texas. The actual savings depend on your income, filing status, and whether you own property.
Do I have to file taxes in New York if I move to Texas?
If you move mid-year, you may need to file a part-year resident return in New York and a part-year or full-year return in Texas. Establish your new domicile (driver's license, voter registration, etc.) to clearly document the move date.
What taxes should I compare besides income tax?
Beyond state income tax, compare property tax rates, sales tax, and any special taxes (e.g., estate tax, capital gains surtax). States with no income tax often have higher property or sales taxes that partially offset the savings.