New York vs Ohio Taxes
Compare the total tax burden between New York (4% – 10.9%) and Ohio (0% – 3.5%). Enter your income to see which state saves you more.
Tax at Different Income Levels
| Income | New York Total Tax | Ohio Total Tax | Annual Savings |
|---|---|---|---|
| $75,000 | $16,939 | $14,600 | Save $2,339 |
| $100,000 | $25,828 | $22,700 | Save $3,129 |
| $150,000 | $44,396 | $39,774 | Save $4,622 |
| $200,000 | $61,865 | $55,868 | Save $5,997 |
Based on single filer, standard deduction, 2025 tax year. Includes federal income tax, state income tax, and FICA.
Why the difference
You'd save $3,129/year ($261/month) in Ohio vs New York.
Tax structure
New York uses progressive brackets up to 10.9%, while Ohio uses progressive brackets up to 3.5%.
Effective rate at your income
At $100,000, Ohio's effective state rate is 1.6% vs 4.7% in New York — a 3.1 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.
Ohio local taxes
Most Ohio cities levy a municipal income tax (typically 1-2.5%) 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: Ohio's exemption of the first $26,050 of income means very low effective state rates for modest earners. However, municipal income taxes (Cleveland 2.5%, Columbus 2.5%) can add significantly — these are separate from state tax.
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.
Ohio
Ohio uses progressive income tax brackets starting at 0% (income under $26,050 is exempt) and topping out at 3.5% on income over $115,300. Ohio's rates are moderate, and the state offers several credits including a nonrefundable personal exemption credit. Some Ohio cities levy a municipal income tax (typically 1-2.5%).
Tip: Ohio's exemption of the first $26,050 of income means very low effective state rates for modest earners. However, municipal income taxes (Cleveland 2.5%, Columbus 2.5%) can add significantly — these are separate from state tax.
Key Comparison Points
Income tax structure: New York has a progressive income tax (4% – 10.9%), while Ohio has a progressive income tax (0% – 3.5%).
Beyond income tax: State tax comparisons should also consider property tax rates, sales tax, and cost of living. A state with no income tax may have higher property or sales taxes that offset the savings.
SALT deduction cap: Under OBBBA (2025+), the federal SALT cap is $40,000, phasing out above $500,000 MAGI toward a $10,000 floor. This limits the federal tax benefit of living in a high-tax state, so the gross state tax difference remains close to the net difference for most earners — especially high earners inside the phaseout.
Frequently asked questions
Is it cheaper to live in New York or Ohio?
Based on income tax alone, Ohio has a lower tax burden. At $100K income, you'd save $3,129 annually in Ohio compared to New York. However, total cost of living also depends on property taxes, sales taxes, and housing costs.
How much would I save moving from New York to Ohio?
A single filer earning $100,000 would save approximately $3,129 per year in total taxes by living in Ohio instead of New York. At $150,000 income, the savings change to $4,622 per year.
What is the income tax rate in New York?
New York has a progressive income tax with rates of 4% – 10.9%.
What is the income tax rate in Ohio?
Ohio has a progressive income tax with rates of 0% – 3.5%.