Tax Bracket for New York (2026)
Last updated: January 15, 2026
New York (NY) Key Facts
Tax Structure
Progressive (9 brackets)
Top Marginal Rate
10.9%
Number of Brackets
9
Tax Year
2,026
How This Calculator Works in New York
This calculator shows which New York tax bracket your income falls into. Enter your income and filing status to see marginal and effective rates.
New York Overview
New York uses a progressive income tax system with 9 brackets ranging from 4% to 10.9%. Higher portions of your income are taxed at higher rates, so your effective rate is always lower than your top marginal bracket.
How New York Compares
New York's top rate of 10.9% compares to New Jersey at 10.75% and Connecticut at 6.99%. Comparing effective rates is more meaningful than top rates alone.
| State | Top Rate | Notes |
|---|---|---|
| New Jersey | 10.75% | New Jersey has an income tax rate of 10.75%. |
| Connecticut | 6.99% | Connecticut has an income tax rate of 6.99%. |
| Pennsylvania | 3.07% | Pennsylvania has an income tax rate of 3.07%. |
New York's income tax rate of 10.9% compares to a national average of approximately 5.04%. This is above the national average.
Tips for New York Residents
- 1New York has a progressive income tax with 9 brackets ranging from 4% to 10.9%.
- 2Your marginal rate (the rate on your last dollar) is often higher than your effective rate (total tax / total income).
- 3Moving into a higher bracket only taxes the additional income at the higher rate, not your entire income.
- 4Pre-tax 401(k) and IRA contributions can keep you in a lower New York bracket by reducing taxable income.
- 5Compare your effective rate rather than marginal rate when evaluating New York's tax impact on your finances.