Illinois vs 
New York
Take-home pay after federal tax, state income tax, and FICA — calculated with the same engine as our paycheck calculator.
By Sammy S. · Founder · AuthorUpdated for 2026
Winner at $100k
New York
Extra take-home / year
$59
Per month
$5
Over 10 years
$590
Moving from Illinois → New York at $100,000
Metric vs metric
Lower tax and cost figures generally favor the highlighted cell. Rate structure notes sit under each state's calculator link.
| Metric | Illinois | New York |
|---|---|---|
| Income tax | 4.95% · Flat 4.95% | 10.90% · Progressive (top 10.90%) |
| Combined sales tax | ~8.98% | ~8.54% |
| Effective property tax | ~1.88% | ~1.3% |
| Cost of living index | 95.1 | 124.7 |
| Median household income | $77,800 | $81,800 |
| Unemployment rate | 4.5% | 4.3% |
Dig into each state's paycheck
Illinois rate structure
Flat 4.95% state income tax on taxable wages (before credits).
New York rate structure
Progressive brackets with a top marginal rate of about 10.90%.
Overview
Illinois (Flat 4.95%) vs New York (Progressive (top 10.90%)). At $100,000 gross (single), New York typically leaves you with about $59 more take-home than Illinois after federal, state, and FICA. Sales tax ~8.98% vs ~8.54%; property tax ~1.88% vs ~1.3%. Median household income (ACS 2024): $77,800 vs $81,800.
Take-home by income
Net pay after federal income tax, state income tax, and FICA — single filer, standard deduction, no dependents (2026). Advantage is take-home in New York minus Illinois.
| Gross | Illinois take-home | New York take-home | Advantage |
|---|---|---|---|
| $50,000 | $39,880 | $40,221 | +$341 |
| $75,000 | $57,880 | $58,108 | +$228 |
| $100,000Headline | $74,230 | $74,289 | +$59 |
| $150,000 | $106,366 | $105,950 | −$416 |
| $200,000 | $139,027 | $138,136 | −$891 |
| $500,000 | $315,727 | $309,358 | −$6,369 |
Assumptions: single filer, standard deduction, no dependents, tax year 2026. At $100k: FICA ≈ $7,650 in both states; effective total tax rate ≈ 25.8% in Illinois vs 25.7% in New York. Local city taxes are not included unless noted.
$100k tax breakdown: Illinois vs New York
Where a $100,000 paycheck goes after federal income tax, state income tax, and FICA (2026, single filer).
| Line item | Illinois | New York |
|---|---|---|
| Gross pay | $100,000 | $100,000 |
| Federal income tax (est.) | $13,170 | $13,170 |
| State income tax | $4,950 | $4,860 |
| FICA (SS + Medicare) | $7,650 | $7,650 |
| Take-home pay | $74,230 | $74,289 |
| Effective total tax rate | 25.8% | 25.7% |
| Monthly take-home | $6,186 | $6,191 |
Federal estimates can differ slightly between states when state interactions affect taxable income. Combined sales tax ~8.98% (Illinois) vs ~8.54% (New York); effective property tax ~1.88% vs ~1.3%.
Pros & cons: Illinois vs New York
Tax structure, living costs, and lifestyle trade-offs beyond the paycheck number.
Illinois
Pros
- Lower top/marginal state rate (Flat 4.95%) than New York (Progressive (top 10.90%))
- Lower cost of living index (95.1 vs 124.7; 100 = US average)
- Modeled with our 2026 federal + state + FICA paycheck engine
Cons
- −Higher combined sales tax (~8.98% vs ~8.54% in New York)
- −Higher effective property tax (~1.88% vs ~1.3% in New York)
- −Local city/county taxes and credits are not fully modeled in the headline ladder
New York
Pros
- Lower combined sales tax (~8.54% vs ~8.98% in Illinois)
- Lower effective property tax (~1.3% vs ~1.88% in Illinois)
- Higher median household income ($81,800 ACS 2024 vs $77,800)
Cons
- −State income tax (Progressive (top 10.90%)) reduces take-home vs a $0-income-tax peer
- −Higher cost of living index (124.7 vs 95.1; 100 = US average)
- −Local city/county taxes and credits are not fully modeled in the headline ladder
Who wins when
Quick read on when each state is the better fit — beyond the headline tax number.
- New York wins on take-home pay at every salary band in our ladder (single filer, standard deduction).
- Illinois: Lower top/marginal state rate (Flat 4.95%) than New York (Progressive (top 10.90%))
- Illinois: Lower cost of living index (95.1 vs 124.7; 100 = US average)
- New York: Lower combined sales tax (~8.54% vs ~8.98% in Illinois)
- New York: Lower effective property tax (~1.3% vs ~1.88% in Illinois)
How we calculate Illinois vs New York
Tax engine. Federal income tax uses 2026 IRS brackets and the standard deduction for a single filer. FICA includes Social Security and Medicare employee shares. State income tax applies Illinois's and New York's rules as modeled in our US calculator (Flat 4.95% vs Progressive (top 10.90%)).
What's included. Wage income only — no capital gains, self-employment tax, itemized deductions, credits, or local city wage taxes (e.g. NYC) unless noted. Sales tax (~8.98% vs ~8.54%) and property tax (~1.88% vs ~1.3%) are context metrics, not subtracted from the take-home ladder.
Cost of living. COL indexes (95.1 vs 124.7, 100 = US average) and median household income ($77,800 vs $81,800) help interpret whether a paycheck win buys more in real life. For city-level equivalent salary, use the Illinois → New York relocation calculator.
Frequently asked questions
Common questions about Illinois vs New York taxes, take-home pay, and relocation.
Moving Illinois → New York?
Model cost-of-living equivalent salary, or open each state's paycheck calculator with your filing status and deductions.
Related tools
Estimates only for tax year 2026. Not tax advice — verify with your state tax agency or a CPA before relocating. Figures assume a single filer with the standard deduction and no dependents.