Moving from New York to Florida: What Changes for Your Paycheck (2026)
About 50,700 people moved along this corridor in 2024. Here is what the move does to take-home pay at every salary we model, and the one rule that decides whether the bill matches the arithmetic.
Last updated
At a glance
Tax year 2026, single filer, $100,000, biweekly pay, no retirement contribution, health premium or local tax — the same assumptions as the method section. Rates and brackets come from the Tax Foundation tables in force on January 1, 2026.
| Rule | New York → Florida |
|---|---|
| New York | Graduated brackets, top rate 10.9% |
| Florida | No wage income tax |
| Take-home at $100,000 | $$74,320 → $$79,180 |
| Difference | +$$4,860 per year, +$$187 per paycheck |
| Movers on this corridor | 50,700 (Census ACS 2024, state-to-state flows) |
Paycheck comparison
Both columns are computed by the calculator from the same inputs, so the only thing that differs between them is the state layer. Federal tax, Social Security and Medicare cancel out — the difference column is entirely New York and Florida.
| Income | New York | Florida | Difference |
|---|---|---|---|
| $50,000 | $$40,252 | $$42,355 | +$$2,103 |
| $75,000 | $$58,140 | $$61,593 | +$$3,453 |
| $100,000 | $$74,320 | $$79,180 | +$$4,860 |
| $150,000 | $$105,981 | $$113,791 | +$$7,810 |
Want different inputs? Run this move through the calculator with Florida selected — filing status, retirement percentage, health premium and local tax all change the answer, and none of them are modelled above.
Florida will not tax you — New York may tax days you never worked there
This is the corridor where New York's convenience rule bites hardest. If your employer's base of operations is in New York and you work from Florida for your own convenience rather than your employer's necessity, New York sources those days to New York under 20 NYCRR 132.18(a). Zelinsky v. Tax Appeals Tribunal (2003) upheld exactly that outcome.
- Leaving New York stops New York from taxing you as a resident. It does not stop New York from taxing New York-sourced wages.
- New York has no reciprocal agreement with Florida or with any other state, so no exemption certificate ends the withholding.
- Breaking New York domicile is a facts question: license, registration, voter roll, property, and where your family lives.
- Florida has no wage income tax, so there is no second bill — and nothing to credit against the first one.
Employer necessity is about the job, not about you. Written instructions, a policy or an accommodation showing why the work had to be done outside New York are what survive an audit; a verbal arrangement does not.
The year you move
Neither state recognises the day you unpacked the boxes as a bright line. You file a part-year resident return in New York for the wages earned while you were its resident and a part-year return in Florida for the rest, and the date each one starts is a question of domicile facts — home, family, licence, registration, voting, business ties — not of the calendar.
The rules above decide who gets to tax which days; the mechanics of residency, day-count apportionment and safe harbors are the same on every corridor and are set out once in which state taxes a remote worker. Keep a per-day log of where you worked, your employer’s written statement of your work location, and the paperwork that shows you actually moved.
Read the full schedules behind these figures: New York tax brackets and Florida tax brackets.
Common questions
Does Florida tax wages?
Florida has no wage income tax, so no state withholding comes out of a Florida paycheck. Everything you gain on this move is what New York stops taking.
How much do I keep moving from New York to Florida?
At $100,000 for a single filer, take-home is $$74,320 in New York and $$79,180 in Florida — a difference of +$$4,860 a year, or about +$$187 per biweekly paycheck. The four-income table above shows the same calculation at $50,000, $75,000 and $150,000; the federal tax and FICA portions are identical on both sides.
What is the one thing to get right on this move?
Leaving New York stops New York from taxing you as a resident. It does not stop New York from taxing New York-sourced wages. Employer necessity is about the job, not about you. Written instructions, a policy or an accommodation showing why the work had to be done outside New York are what survive an audit; a verbal arrangement does not.
Estimates for a modelled filer, not tax advice, and not a prediction of your return — part-year residency, bonuses, local taxes and filing status all move the number. See the Disclaimer and what this site’s numbers do and do not model.