Illinois vs New York Tax Comparison

Illinois vs New York — Take-Home Pay Line Chart

This line chart compares your annual take-home pay in Illinois vs New Yorkacross five salary levels ($50K–$200K). The gap between the two lines shows exactly how much more (or less) you'd take home by choosing one state over the other.

At $75K Salary

Illinois: $58,017
New York: $58,078
New York wins by $61/yr

At $150K Salary

Illinois: $106,503
New York: $105,845
Illinois wins by $658/yr

10-Year Cumulative

At $100K salary, the difference compounds to $1,331 over 10 years — before investment returns.

* Chart shows annual net pay (after federal tax, FICA, and state income tax). NYC residents pay additional city tax not reflected in this chart. Use the interactive calculator above for personalized scenarios.

Illinois vs New York Taxes — Quick Verdict

Comparing Illinois (4.95% flat income tax) vs New York (4%–10.9% progressive income tax) for the 2026 tax year, New York saves you about $61 per year on a $75,000 single-filer salary. The gap widens at higher incomes — on $150,000, New York saves you approximately $1,183 annually.

The biggest tax difference comes from state income tax. Illinois's rate is 4.95% flat, while New York's rate is 4%–10.9% progressive. However, also consider property taxes — on a $400,000 home, Illinois charges about $7,120/year (1.78%) vs New York's $6,480/year (1.62%).

Take-Home Pay Comparison: Illinois vs New York

This table shows your annual take-home pay (after federal tax, FICA, and state tax) at different salary levels for single filers claiming the standard deduction. The "Difference" column shows how much more (or less) you'd take home living in New York vs Illinois.

Salary	Illinois (IL)	New York (NY)	Difference	Winner
$50,000	$40,017	$40,216	+$198	NY
$75,000	$58,017	$58,078	+$61	NY
$100,000	$74,367	$74,234	-$133	IL
$150,000	$106,503	$105,845	-$658	IL
$200,000	$139,164	$137,981	-$1,183	IL

* Calculations assume single filing status, 2026 standard deduction, and no pre-tax contributions (401(k), HSA). NYC residents pay additional city tax not shown in this table.

Tax Breakdown on $100,000 Salary

Illinois — Tax Breakdown

Gross Salary$100,000

− Federal Tax$13,170

− FICA (SS + Medicare)$7,650

− State Tax$4,813

= Take-Home$74,367

Effective Tax Rate0.3%

New York — Tax Breakdown

Gross Salary$100,000

− Federal Tax$13,170

− FICA (SS + Medicare)$7,650

− State Tax$4,946

= Take-Home$74,234

Effective Tax Rate0.3%

On a $100,000 salary, your take-home in Illinois is $74,367 vs $74,234 in New York. The difference of $133 per year (New York wins) compounds significantly over a career — over 10 years, that's approximately $1,331 in additional take-home pay (before investment returns).

Beyond Income Tax: Property & Sales Tax

Income tax isn't the whole story. Both Illinois and New York collect revenue from other sources, and these can offset (or worsen) income tax differences.

Property Tax (on $400K Home)

Illinois$7,120/yr (1.78%)

New York$6,480/yr (1.62%)

Annual Difference-$640

Sales Tax (Combined Avg.)

Illinois8.86%

New York8.52%

On $40K Spending-$136 diff

Illinois: Personal exemption of $2,775; no standard deduction. New York: NYC residents pay additional city tax of 3.078%–3.876%. Use our Relocation Calculator for a personalized salary comparison factoring in cost-of-living differences.

Methodology

Our Illinois vs New York tax comparison uses the official 2026 tax brackets published by the IRS and each state's Department of Revenue. For single filers, we apply:

•Federal standard deduction of $16,100 with progressive brackets from 10% to 37%
•FICA: 6.2% Social Security (cap at $184,500) + 1.45% Medicare on all wages
•Illinois state tax: 4.95% flat (4.95% effective)
•New York state tax: 4%–10.9% progressive (6.85% effective)
•No pre-tax deductions (401(k), HSA, FSA) — for those, use our Paycheck Calculator

All figures are for single filers. Married filing jointly and head of household will have different results — see our 2026 Federal Tax Brackets guide for full bracket details.

Related State Tax Resources

Illinois vs New York Taxes — Frequently Asked Questions

Does Illinois or New York have higher income tax?+

Illinois has an income tax rate of 4.95% flat, while New York has 4%–10.9% progressive. New York has the higher income tax burden.

Which state has higher property taxes: Illinois or New York?+

Illinois has an average effective property tax rate of 1.78%, compared to New York's 1.62%. Illinois has higher property taxes, which is important to consider even if income tax is lower.

Is it cheaper to live in Illinois or New York overall?+

The answer depends on your income level and spending habits. Illinois charges 4.95% flat income tax and 1.78% property tax, while New York charges 4%–10.9% progressive income tax and 1.62% property tax. Use our side-by-side comparison table above to see take-home pay at $75K and $150K salary levels.

Should I move from Illinois to New York for tax savings?+

Moving from Illinois to New York could cost you money on income taxes, but consider the full picture: property taxes, cost of living, housing prices, and quality of life. Use our relocation calculator for a personalized salary comparison. NYC residents pay additional city tax of 3.078%–3.876%.

What is the biggest tax difference between Illinois and New York?+

The largest tax difference between Illinois and New York is in income tax: 4.95% flat vs 4%–10.9% progressive. This difference can mean thousands of dollars per year in take-home pay depending on your salary level.

How much would I save moving from Illinois to New York on a $75K salary?+

On a $75,000 single-filer salary, moving from Illinois to New York would change your annual take-home pay by +$61. New York is the better choice financially. This calculation uses 2026 federal brackets, FICA, and each state's standard deduction. Factor in cost-of-living differences, housing prices, and personal lifestyle before deciding.

Does Illinois or New York have higher property taxes?+

Illinois's average effective property tax rate is 1.78%, while New York's is 1.62%. On a $400,000 home, that's $7,120/year in Illinois vs $6,480/year in New York — a difference of $640/year. New York has the lower property tax. Property taxes can offset income tax savings significantly, especially for homeowners.

Calculate Your Exact Take-Home Pay

Ready to see your actual numbers? Use our free tax calculators for Illinois and New York — no sign-up, no email, instant results.

Illinois Tax Calculator New York Tax Calculator Full Paycheck Calculator