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Kentucky vs New York RSU Tax

New York withholds $4,100 more state tax than Kentucky on $50,000 RSU vest (100 shares × $500 FMV) with $150,000 other annual income (flat supplemental method).

By Sammy S. · Founder · AuthorUpdated for 2026

Key finding

New York withholds more state tax

$4,100 more state tax — net gap ~$4,100 ($34,386 vs $30,286).

Side-by-side RSU withholding scoreboard

Kentucky

$1,750

~3.5% PIT state

Total withheld
$15,614
Net RSU
$34,386
Federal + FICA
$13,864
Rank
#35
Kentucky profile →

New York

$5,850

11.7% state

Total withheld
$19,714
Net RSU
$30,286
Federal + FICA
$13,864
Rank
#1
New York profile →

Total withholding gap: $4,100 (state drives most of the difference).

Key takeaways — Kentucky vs New York RSU tax

  • New York withholds about $4,100 more state tax ($1,750 vs $5,850).
  • Kentucky: ~3.5% PIT (Flat PIT proxy (no separate table)). New York: 11.7% (Published flat supplemental).
  • Federal withholding is $11,000 in both states on this vignette (22% flat per IRS Pub. 15); FICA is $2,864 each.
  • Kentucky ranks #35; New York ranks #1 (#1 = highest state withholding).
  • Model custom RSU vests at /rsu-tax-calculator.

Rule contrast — Kentucky vs New York

TopicKentuckyNew York
Withholding methodFlat PIT proxy (no separate table)Published flat supplemental
Supplemental rate~3.5% PIT11.7%
Vignette state tax$1,750$5,850
Vignette federal + FICA$11,000 + $2,864$11,000 + $2,864
Vignette total withheld$15,614$19,714
Vignette net$34,386$30,286
Rank (curated)#35#1

State withholding and net at different RSU sizes

$150,000 other annual income; engine flat supplemental method. State gap is state tax only; net is after-tax share value after sell-to-cover.

RSUKentucky stateNew York stateState gapKY netNY net
$15,000$525$1,755$1,230$10,027.50$8,797.50
$50,000$1,750$5,850$4,100$34,386$30,286
$100,000$3,500$11,700$8,200$70,461$62,261
$250,000$8,750$29,250$20,500$178,686$158,186

How to read this page

Kentucky vs New York RSU tax in 2026

This page compares state supplemental withholding for Kentucky (KY) and New York (NY) on $50,000 RSU vest (100 shares × $500 FMV) with $150,000 other annual income (flat supplemental method), calculated from our engine (same engine as the RSU vest calculator).

New York is higher by about $4,100 in state tax alone; net take-home favors Kentucky by about $4,100.

No separate supplemental table; educational estimate uses the state’s flat PIT ≈3.5%.

New York State published supplemental rate 11.7% (NYS-50-T-NYS, Jan 2026). NYC resident local tax is separate and not included.

How each state’s rate works

Kentucky (Flat PIT proxy (no separate table)): about 3.5% → $1,750 on the vignette.

New York (Published flat supplemental): about 11.7% → $5,850 on the vignette.

Official state agencies for this pair only are linked in the sources section — not every state in the hub.

Federal and FICA are the same on this vignette

Both states withhold $11,000 federal income tax under the Pub. 15 flat method (22% on $50,000).

FICA is $2,864 in each (Social Security + Medicare on this YTD/RSU pair). The take-home gap is almost entirely state supplemental withholding.

Above $1M supplemental wages with one employer, federal withholding uses 37% on the excess — still the same rule in both states.

Same RSU vests, different state tax

The ladder recomputes engine results at $15k–$250k RSU vests with $150,000 other annual income.

When both sides use flat (or flat-PIT proxy) rates, the dollar gap scales roughly with RSU size.

Signing-RSU negotiations should still include regular wage tax and cost of living — not supplemental withholding alone.

What this comparison excludes

Local city taxes (NYC, Philly wage tax, Ohio municipalities) are not included.

Aggregate-method stubs can differ from the flat-percentage estimates shown here.

Final Form 1040 liability depends on annual brackets, deductions, and credits — withholding is a prepayment.

Who this Kentucky vs New York comparison helps

Useful if…

  • •Candidates weighing Kentucky vs New York offers with cash RSU vests
  • •Payroll comparing multi-state supplemental setup
  • •Editors quantifying high-tax vs no-tax state gaps

Use official tools if…

  • •Local city taxes (NYC, Philly, Ohio municipalities)
  • •Aggregate-method stubs that differ from flat rates
  • •Year-end true-up if federal 22% under-withholds

Kentucky vs New York checklist

Before treating the withholding gap as a job or relocation decision.

  1. 1Confirm Kentucky and New York supplemental rules with each revenue department.
  2. 2Ask which withholding method payroll uses (flat vs aggregate).
  3. 3Check the RSU vest ladder for your award size.
  4. 4Open /rsu-tax-by-state/kentucky and /rsu-tax-by-state/new-york for full profiles.
  5. 5Run both scenarios in /rsu-tax-calculator.

Vignette net: $34,386 (KY) vs $30,286 (NY).

What the state gap means

Flat supplemental rates differ by state; federal 22% and FICA rules are the same. Withholding is not your final tax bill when you file.

Limits of this comparison

NYC/local taxes, aggregate-method withholding, and equity vest timing are not modeled. Use the RSU calculator for custom vest amounts and other income.

Kentucky vs New York RSU tax FAQs

New York withholds about $4,100 more in state tax ($1,750 vs $5,850).

No on this vignette — both use the flat 22% federal supplemental method plus the same FICA rules. The gap is almost entirely state supplemental withholding.

Kentucky: ~3.5% PIT. New York: 11.7%.

Kentucky, by about $4,100.

No. This comparison is state supplemental withholding plus federal and FICA only.

Not on this vignette. Both use 22% flat federal supplemental withholding ($11,000) plus the same FICA rules.

Compare another pair

Compare any two states

Supplemental RSU withholding on a $50,000 vest (100×$500) with $150,000 other income.