What's your salary actually worth in Miami vs NYC?

New York adds a 3.9–10.9% state tax and a 3.078–3.876% city tax on top of federal. Florida adds nothing, but only if your pay stops being New York-source: keep working remotely for a New York employer and you usually save just the city tax. Enter a salary to see the 2026 numbers both ways, then what's left each month after rent and getting around.

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Your gross annual salary

Household

SingleMarried, one incomeMarried, two incomes

After moving, where will you work?

None of my pay is New York-source (for example, a Florida-based job)All of my pay stays New York-source (remote for a New York employer without a bona fide Florida office)

Both assume you live in Florida all year. Which one fits, and the exceptions

The bottom line

Example: $150,000, single, Florida job

On $150,000, you'd have about $1,049 more a month in Miami after taxes, rent, and getting around.

$1,139 more take-home pay in Miami · $1,052 cheaper rent in Miami · $1,142 cheaper to get around in New York.

To match $150,000 in New York City, a Florida job needs to pay about $130,000 for the same take-home pay, or $131,600 to have the same left each month after the costs below.

Assumes the same salary in both cities. The budget below shows each number and lets you change it.

2026 taxes in each city
2026 taxes, per year	Miami	New York
Federal income tax	$24,734	$24,734
Social Security + Medicare	$11,475	$11,475
State income tax	—	$8,291
City income tax	—	$5,379
Total tax	$36,209	$49,879
Take-home pay	$113,791	$100,121
Effective income-tax rate (excl. FICA)	16.5%	25.6%

What's left each month

Starting numbers are typical costs for each city. Change any of them to match your life.

Kids in daycare

None12

Monthly budget in each city
Per month	Miami	New York
Take-home pay	$9,483	$8,343
RentMedian asking rent	Miami rent per month	New York rent per month
Getting aroundTransit passes or car costs	Miami: how you get around TransitCar Miami: number of cars Miami getting around per month	New York: how you get around TransitCar 1 pass New York getting around per month
Other monthly costsAnything else you want counted	Miami other monthly costs per month	New York other monthly costs per month
Left after these costs	$5,192	$4,143

Not counted: groceries, utilities, healthcare, and anything else you don't add under other costs. Car costs use AAA's average for a new car plus each city's insurance (an older paid-off car costs less); parking isn't included. Childcare is each state's average for an infant, and big-city care often costs more.

What this does and doesn't model

2026 brackets: federal (IRS Rev. Proc. 2025-32), New York State (3.9–10.9%), and NYC resident tax (3.078–3.876%). Florida has no state or city income tax.
Where you work after the move, with full-year Florida residency either way. If none of your pay is New York-source (a Florida job), no New York tax applies. If all of it stays New York-source (remote for a New York employer without a bona fide Florida office, under New York's convenience-of-the-employer rule), New York State still taxes it and only the NYC tax goes away. With two incomes the choice covers both. Days worked in New York split the difference; the move year itself is part-year.
Standard deduction only. Married couples file jointly: income tax runs on combined pay, Social Security stops at the $184,500 wage base for each earner separately, and the extra 0.9% Medicare tax starts at $250,000 of combined pay.
FICA (Social Security and Medicare) is included in take-home but identical in both cities.
New York's tax-benefit recapture IS modeled: above $107,650 NYAGI the graduated-bracket benefit phases out over $50,000 windows until the marginal rate applies to all taxable income.
Budget defaults: median asking rent (Zillow), transit passes (MTA 7-day cap, Miami-Dade monthly pass), cars (AAA 2026 plus Bankrate insurance), infant care (EPI state averages).
Break-even salaries assume one income and a Florida job, count the costs in the budget above, and round to the nearest $100.
Not modeled: credits, pre-tax retirement or health deductions, itemized deductions, and local taxes outside NYC.

Take-home pay at common salaries

Every figure comes from the calculator above and follows its filing status. Pick a salary for the rules that apply at that level.

Take-home pay after 2026 taxes, single filer
Salary	New York City	Miami (Florida job)	Miami (remote NY job)
$50,000	$38,744	$42,355+$3,611 a year	$40,252+$1,508 a year
$75,000	$55,667	$61,593+$5,925 a year	$58,140+$2,472 a year
$100,000	$70,879	$79,180+$8,301 a year	$74,320+$3,441 a year
$125,000	$85,761	$96,704+$10,942 a year	$90,172+$4,410 a year
$150,000	$100,121	$113,791+$13,670 a year	$105,500+$5,379 a year
$200,000	$130,282	$148,927+$18,645 a year	$137,599+$7,317 a year
$250,000	$157,980	$183,182+$25,202 a year	$167,235+$9,255 a year
$300,000	$183,982	$215,177+$31,195 a year	$195,175+$11,193 a year
$400,000	$235,906	$277,827+$41,921 a year	$250,975+$15,069 a year
$500,000	$287,830	$340,477+$52,647 a year	$306,775+$18,945 a year

$50,000
New York City
$38,744
Miami, Florida job
$42,355 (+$3,611)
Miami, remote NY job
$40,252 (+$1,508)
$75,000
New York City
$55,667
Miami, Florida job
$61,593 (+$5,925)
Miami, remote NY job
$58,140 (+$2,472)
$100,000
New York City
$70,879
Miami, Florida job
$79,180 (+$8,301)
Miami, remote NY job
$74,320 (+$3,441)
$125,000
New York City
$85,761
Miami, Florida job
$96,704 (+$10,942)
Miami, remote NY job
$90,172 (+$4,410)
$150,000
New York City
$100,121
Miami, Florida job
$113,791 (+$13,670)
Miami, remote NY job
$105,500 (+$5,379)
$200,000
New York City
$130,282
Miami, Florida job
$148,927 (+$18,645)
Miami, remote NY job
$137,599 (+$7,317)
$250,000
New York City
$157,980
Miami, Florida job
$183,182 (+$25,202)
Miami, remote NY job
$167,235 (+$9,255)
$300,000
New York City
$183,982
Miami, Florida job
$215,177 (+$31,195)
Miami, remote NY job
$195,175 (+$11,193)
$400,000
New York City
$235,906
Miami, Florida job
$277,827 (+$41,921)
Miami, remote NY job
$250,975 (+$15,069)
$500,000
New York City
$287,830
Miami, Florida job
$340,477 (+$52,647)
Miami, remote NY job
$306,775 (+$18,945)

Common questions

Do I still pay New York tax if I move to Miami but keep working remotely for a New York employer?

Usually, yes: the state tax, not the city tax. Once you live in Florida, New York City’s resident tax stops. New York State still taxes a nonresident’s New York-source pay, and when your job is based at a New York office, the days you work from home in Florida count as New York days unless your employer has set up a bona fide employer office where you work. On $150,000 (single), that leaves about $5,379 a year of savings instead of $13,670 with a Florida-based job.

Source: NY Tax Department: filing, residency, and telecommuting FAQs · NY TSB-M-06(5)I: the convenience of the employer test and bona fide employer offices

What salary in Miami equals $150,000 in New York City?

About $130,000 from a Florida-based job leaves a single filer the same take-home pay as $150,000 in New York City. Count the median rent gap (about $1,052 a month less in Miami) and it’s about $111,800. The calculator above also counts getting around (by default a car in Miami and transit in New York), so its second figure can differ, and Miami’s higher insurance costs take back some of the savings.

Source: IRS Rev. Proc. 2025-32 (2026 federal brackets & standard deduction) · NY DTF withholding & 2026 rate schedules (3.9–10.9%)

Why is New York’s tax on my next dollar higher than my bracket rate?

Above $107,650 of New York adjusted gross income, New York takes back the benefit of its lower brackets in stages, so each extra dollar is taxed above your bracket rate until all of your income is taxed at your top rate. At $125,000 (single) the bracket rate is 5.9%, but the next dollar costs about 7.04% in New York State tax. The calculator includes it.

Source: NY Form IT-203 instructions (nonresident and part-year resident return) · NY DTF withholding & 2026 rate schedules (3.9–10.9%)

Does the calculator cover the year I move?

No, it shows a full year in each place. For the year you move, New York treats you as a part-year resident: it taxes everything you earn while you live there, then only New York-source income after you leave, which can include a remote New York job’s pay. New York City tax covers only the part of the year you lived in the city.

Source: NY Form IT-203 instructions (nonresident and part-year resident return) · NY Tax Department: resident, nonresident, and part-year resident definitions

More on residency, remote work, and the move year: Moving from New York to Florida: your taxes.

Try the city before you sign a lease

A few nights in the neighborhood you're eyeing tells you more than any average. Miami rentals are a click away too.