Illinois vs New York Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $259 more a year in New York than in Illinois ($22 a month).
Illinois
4.95% flat state income tax
$57,880
take-home on $75,000 · $4,823/month
45th of 51 states for take-home pay
Illinois paycheck calculator ›New York
3.9% - 10.9% state income tax
$58,139
take-home on $75,000 · $4,845/month
42nd of 51 states for take-home pay
New York paycheck calculator ›Take-home pay in Illinois and New York by salary
| Salary | Illinois | New York | Difference |
|---|---|---|---|
| $40,000 | $32,340 | $32,757 | $417 more in New York |
| $50,000 | $39,880 | $40,252 | $372 more in New York |
| $60,000 | $47,420 | $47,747 | $327 more in New York |
| $75,000 | $57,880 | $58,139 | $259 more in New York |
| $100,000 | $74,230 | $74,320 | $90 more in New York |
| $125,000 | $90,516 | $90,369 | $147 more in Illinois |
| $150,000 | $106,366 | $105,981 | $385 more in Illinois |
| $200,000 | $139,027 | $138,167 | $860 more in Illinois |
Single filer, standard deduction, no local tax. To match $75,000 in Illinois you would need about $74,600 in New York; to match $75,000 in New York you would need about $75,400 in Illinois.
How Illinois and New York tax wages
| 2026 | Illinois | New York |
|---|---|---|
| Income tax | a flat 4.95% income tax | 9 brackets from 3.9% to 10.9% |
| Top rate | 4.95% | 10.9% |
| Standard deduction | None (exemptions or credits only) | $8,000 single |
| State tax on $75k | $3,713 (5.0%) | $3,453 (4.6%) |
| Local wage taxes | No | Yes (2 modeled) |
| Reciprocity | Iowa, Kentucky, Michigan, Wisconsin | None |
Illinois vs New York: FAQ
Does Illinois or New York have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $259 more a year in New York than in Illinois ($22 a month). Illinois has a flat 4.95% income tax for 2026. New York has 9 brackets from 3.9% to 10.9% for 2026. For single filers the top 10.9% rate starts at $25,000,000 of taxable income.
What salary in New York equals $75,000 in Illinois?
To take home the same $57,880 that $75,000 leaves in Illinois, you would need about $74,600 in New York, based on income, payroll, and state taxes only. Housing and other living costs are not included.
How much more do high earners keep in Illinois than in New York?
At $150,000 the gap is $385 a year: $106,366 in Illinois versus $105,981 in New York. Progressive brackets make the difference grow faster as income rises.
What if I live in Illinois and work in New York?
Illinois and New York do not have a reciprocity agreement, so New York withholds tax on wages earned there and Illinois generally gives residents a credit for tax paid to the other state. You effectively pay the higher of the two rates.
Do local taxes change the Illinois vs New York comparison?
New York has local wage taxes in places like New York City (3.078%-3.876%), Yonkers (1.96% / 0.5%). Those are on top of the statewide figures above, so check the city calculators if you live or work in one of them.