Florida vs New York take-home on an $80,000 salary
Federal and FICA match. A New York planning rate is the entire gap. Worked biweekly leftovers for a single filer.
People moving for work ask what the new state “takes.” On a W-2 salary the federal bill and FICA do not change because you crossed a state line. The state income-tax line does. Florida has no wage income tax in our table. New York is progressive in real life. We apply a planning rate so you can see the order of magnitude before a payroll department does. It is not your NY IT-2104.
Same federal stack
$80,000, single, 26 pay periods. Florida: Social Security $4,960, Medicare $1,160, federal $8,770, state $0, annual leftover $65,110, biweekly $2,504.23. New York: Social Security, Medicare, and federal are the same $4,960, $1,160, and $8,770. State planning tax is $4,377.15. Leftover $60,732.85. Biweekly $2,335.88.
The move costs $4,377.15 a year and $168.35 a check in this model, before rent, before city tax, before a different health plan. Federal did not get kinder in Florida. FICA did not get kinder. The zero is the state line. If your employer already withholds New York and you become a Florida resident, the stub changes only after payroll changes the state. The first checks can still look like New York.
New York is not one rate
Our New York figure is taxable income times a planning rate. Taxable income here is wages minus the 2026 single standard deduction, not AGI after every credit. Real New York tax uses its own brackets, its own standard deduction, and often a New York City or Yonkers add-on we do not compute. A city resident can owe more than $4,377.15. A taxpayer with large New York deductions can owe less. Use the gap as a budget shock, then read the state form.
Florida’s zero is the wage tax. It is not a free move. Property insurance, rent, and sales tax are outside this calculator. A higher rent can eat the $4,377 before you notice the fatter check. Compare take-home to the actual housing bill, not to a forum post that says “Florida has no tax.”
How to rerun it
Open the paycheck calculator. Enter 80000, single, 26 periods. Switch only the state from FL to NY. Federal and FICA should not move. If they move, you changed salary or status too. The same method is what the Texas versus California guide does with different rates. Nine states in our table have no wage income tax. The dollars are not identical across salaries, but the mechanism is: state $0, federal unchanged.
Rent, a commute, and a city tax can erase the $168.35 before the first Florida year is over. The paycheck page will not price those. It will only show that federal and FICA stayed put while the state line went from $4,377.15 to zero. Budget the move with both numbers on the table, not with the state line alone.
Remote work does not let you pick the cheaper state on a whim. Withholding follows where you work and where you live, under rules this page does not settle. A New York employer paying a Florida resident can still have a New York filing. Ask payroll or a CPA before you spend the $168.35. The IRS and the state return win over this estimate.
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