Massachusetts vs New York Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $297 more a year in New York than in Massachusetts ($25 a month).
Massachusetts
5% flat state income tax
$57,842
take-home on $75,000 · $4,820/month
47th of 51 states for take-home pay
Massachusetts 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 Massachusetts and New York by salary
| Salary | Massachusetts | New York | Difference |
|---|---|---|---|
| $40,000 | $32,320 | $32,757 | $437 more in New York |
| $50,000 | $39,855 | $40,252 | $397 more in New York |
| $60,000 | $47,390 | $47,747 | $357 more in New York |
| $75,000 | $57,842 | $58,139 | $297 more in New York |
| $100,000 | $74,180 | $74,320 | $140 more in New York |
| $125,000 | $90,454 | $90,369 | $85 more in Massachusetts |
| $150,000 | $106,291 | $105,981 | $310 more in Massachusetts |
| $200,000 | $138,927 | $138,167 | $760 more in Massachusetts |
Single filer, standard deduction, no local tax. To match $75,000 in Massachusetts you would need about $74,550 in New York; to match $75,000 in New York you would need about $75,450 in Massachusetts.
How Massachusetts and New York tax wages
| 2026 | Massachusetts | New York |
|---|---|---|
| Income tax | a flat 5% income tax | 9 brackets from 3.9% to 10.9% |
| Top rate | 5% | 10.9% |
| Standard deduction | None (exemptions or credits only) | $8,000 single |
| State tax on $75k | $3,750 (5.0%) | $3,453 (4.6%) |
| Local wage taxes | No | Yes (2 modeled) |
| Reciprocity | None | None |
Massachusetts vs New York: FAQ
Does Massachusetts or New York have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $297 more a year in New York than in Massachusetts ($25 a month). Massachusetts has a flat 5% 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 Massachusetts?
To take home the same $57,842 that $75,000 leaves in Massachusetts, you would need about $74,550 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 Massachusetts than in New York?
At $150,000 the gap is $310 a year: $106,291 in Massachusetts versus $105,981 in New York. Progressive brackets make the difference grow faster as income rises.
What if I live in Massachusetts and work in New York?
Massachusetts and New York do not have a reciprocity agreement, so New York withholds tax on wages earned there and Massachusetts 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 Massachusetts 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.