Indiana vs New York Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $1,240 more a year in Indiana than in New York ($103 a month).
Indiana
2.95% flat state income tax
$59,380
take-home on $75,000 · $4,948/month
14th of 51 states for take-home pay
Indiana 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 Indiana and New York by salary
| Salary | Indiana | New York | Difference |
|---|---|---|---|
| $40,000 | $33,140 | $32,757 | $383 more in Indiana |
| $50,000 | $40,880 | $40,252 | $628 more in Indiana |
| $60,000 | $48,620 | $47,747 | $873 more in Indiana |
| $75,000 | $59,380 | $58,139 | $1,240 more in Indiana |
| $100,000 | $76,230 | $74,320 | $1,910 more in Indiana |
| $125,000 | $93,016 | $90,369 | $2,647 more in Indiana |
| $150,000 | $109,366 | $105,981 | $3,385 more in Indiana |
| $200,000 | $143,027 | $138,167 | $4,860 more in Indiana |
Single filer, standard deduction, no local tax. To match $75,000 in Indiana you would need about $76,900 in New York; to match $75,000 in New York you would need about $73,150 in Indiana.
How Indiana and New York tax wages
| 2026 | Indiana | New York |
|---|---|---|
| Income tax | a flat 2.95% income tax | 9 brackets from 3.9% to 10.9% |
| Top rate | 2.95% | 10.9% |
| Standard deduction | None (exemptions or credits only) | $8,000 single |
| State tax on $75k | $2,213 (3.0%) | $3,453 (4.6%) |
| Local wage taxes | Yes (11 modeled) | Yes (2 modeled) |
| Reciprocity | Kentucky, Michigan, Ohio, Pennsylvania, Wisconsin | None |
| 2026 change | Indiana cut its flat rate from 3.0% to 2.95% on January 1, 2026, with 2.9% scheduled for 2027. | No rate change |
Indiana vs New York: FAQ
Does Indiana or New York have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $1,240 more a year in Indiana than in New York ($103 a month). Indiana has a flat 2.95% 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 Indiana?
To take home the same $59,380 that $75,000 leaves in Indiana, you would need about $76,900 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 Indiana than in New York?
At $150,000 the gap is $3,385 a year: $109,366 in Indiana versus $105,981 in New York. Progressive brackets make the difference grow faster as income rises.
What if I live in Indiana and work in New York?
Indiana and New York do not have a reciprocity agreement, so New York withholds tax on wages earned there and Indiana 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 Indiana vs New York comparison?
Indiana has local wage taxes in places like Indianapolis (2.02% (Marion County)), Fort Wayne (1.59% (Allen County)), Evansville (1.25% (Vanderburgh County)). 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.