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HEAD-TO-HEAD TAX COMPARISON · 2026

COUNTRY A New York VS COUNTRY B Georgia

Side-by-side analysis of income tax, effective rates, and take-home pay for New York and Georgia in 2026.

Daniel · CountryTaxCalc Updated October 2026 Income tax verified October 2026 Tax Comparison 2026
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OVERVIEW
Compared on the same baseline (single filer, wages only, standard deduction, 2026), Georgia's flat 4.99% state income tax is lower than New York's state income tax at every income we tested. At $100,000 of wages the state-only bills are $4,861 for New York and $4,242 for Georgia, a $619 gap. New York City residents also owe a separate city resident income tax, which our calculators do not model yet: applying the official NYC rate schedule to New York taxable income adds about $3,441 at $100,000, so a NYC resident's state-plus-city bill is about $8,302 against $4,242 in Georgia. The NYC layer applies only to people who live in the five boroughs. Who counts as a New York resident (domicile, or a permanent place of abode plus 184 days) and how New York treats remote workers whose employer's primary office is in New York are covered below. Federal income tax and payroll tax are identical in both states on this baseline, so the gap shown is entirely state and city tax.
Section 01

The Big Picture

Top-line rates and effective take-home for a typical earner — including income tax, social contributions, and applicable surcharges.

🗽
COUNTRY A
New York
TAX RATE
Progressive
Plus NYC resident tax

Progressive state income tax; NYC residents also pay a separate city tax of 3.078% to 3.876% (single filers)

🍑
COUNTRY B
Georgia
TAX RATE
4.99%
Flat Rate (2026)

4.99% flat rate for 2026 after a $15,000 single standard deduction; no local income tax

TYPICAL ANNUAL DIFFERENCE
Moving from Georgia → New York at $150,000
$6,933

NYC resident (state plus NYC resident tax) versus a Georgia resident, single filer, wages only, standard deduction. The NYC layer is calculated outside our engine; against a New York resident living outside NYC the gap is $1,554.

Section 02

Tax Savings by Income Level

Net take-home after all income tax, social contributions, and surcharges — for a single employee with no dependents.

GROSS INCOME
🗽 NY TAX
🍑 GA TAX
SAVINGS
10-YEAR
$50,000
$3,610 (NYC resident: state + city)
$1,747
$1,863
$18,630
$75,000
$5,925 (NYC resident: state + city)
$2,994
$2,931
$29,310
$100,000
$8,302 (NYC resident: state + city)
$4,242
$4,060
$40,600
$150,000
$13,670 (NYC resident: state + city)
$6,737
$6,933
$69,330
$250,000
$25,202 (NYC resident: state + city)
$11,727
$13,475
$134,750
$500,000
$52,647 (NYC resident: state + city)
$24,202
$28,445
$284,450
$100,000 (NY resident outside NYC)
$4,861 (state only)
$4,242
$619
$6,190
$150,000 (NY resident outside NYC)
$8,291 (state only)
$6,737
$1,554
$15,540
💡

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🗽

New York Pros & Cons

+ PROS
  • The NYC resident income tax applies only to people who live in the five boroughs, so a New York State resident living elsewhere in the state pays the state tax only (NY Department of Taxation and Finance)
  • If another state also taxes the same income, New York residents may claim a nonrefundable resident credit for the portion taxed by the other state (NY Department of Taxation and Finance)
  • Progressive rates mean lower incomes pay a lower effective rate: 3.41% of wages at $30,000 on the state tax alone, rising to 6.74% at $500,000 (our state-only engine)
− CONS
  • State income tax is higher than Georgia's at every income tested ($4,861 versus $4,242 at $100,000)
  • NYC residents owe a second, separate city resident income tax of 3.078% to 3.876% (single filers) on top of the state tax
  • The state tax is progressive, so the gap with Georgia widens as income rises: $9,500 state-only at $500,000
  • New York's telecommuting rule can keep wages taxable by New York for a nonresident whose employer's primary office is in New York (details below)
🍑

Georgia Pros & Cons

+ PROS
  • Single flat 4.99% rate for 2026 on taxable income, after a $15,000 standard deduction for single filers (Georgia Department of Revenue)
  • No local income tax layer in this comparison: the state figure is the whole income-tax bill
  • Lowest bill at every income tested, including $4,242 at $100,000 of wages versus $4,861 for New York state tax alone
− CONS
  • State sales tax is 4% plus county and local rates added on top, so the rate you pay depends on the county where you take delivery (Georgia Department of Revenue)
  • Under a flat rate the effective state rate rises only gently with income: 2.50% at $30,000 and 4.84% at $500,000, both after the standard deduction (our engine)
  • Moving to Georgia does not remove New York tax on income that still counts as New York-source (see the remote-work section)
  • At the lower end of the income range the gap with a New York resident outside NYC is small: $356 at $50,000 of wages
FAQ

Frequently Asked Questions

How much lower is Georgia's income tax than New York's?

On the same baseline (single filer, wages only, standard deduction, 2026), Georgia's state income tax is lower at every income we tested. At $100,000 it is $4,242 versus $4,861 for New York state tax alone, a $619 gap. At $150,000 it is $6,737 versus $8,291. For NYC residents the gap is larger once the city tax is added: $4,060 at $100,000 and $6,933 at $150,000.

What is the NYC resident income tax and who pays it?

New York City levies a separate income tax on city residents, from 3.078% to 3.876% of NYC taxable income for single filers (official schedule in the NY Department of Taxation and Finance's income tax instructions). All city residents' income, wherever earned, is subject to it, and nonresidents of the city are not liable. Our calculators do not model it yet, so we calculated it from the schedule: about $3,441 at $100,000 of wages, before credits such as the household credit and school tax credits.

Do I owe New York tax if I move to Georgia but keep working for a New York employer?

Possibly. The NY Department of Taxation and Finance says that if you are a nonresident whose primary office is in New York, your days telecommuting count as days worked in New York unless your employer has established a bona fide employer office at your telecommuting location, and that in general you continue to owe New York tax on that income. Georgia allows a credit for taxes paid to another state, so the net saving can be much smaller than the headline gap. Confirm your specific facts with a tax professional.

How many days make me a New York resident?

Under the NY Department of Taxation and Finance's definition, you are a New York State resident if your domicile is New York, or if you maintain a permanent place of abode in New York for substantially all of the year and spend 184 days or more in the state (any part of a day counts). The NYC test is the same, applied to the city. Domicile does not change until you can demonstrate you abandoned the old one and established a new one.

How does Georgia decide who is a resident?

The Georgia Department of Revenue says full-year residents are taxed on all income regardless of source, part-year legal residents file Form 500 with Schedule 3, and nonresidents with Georgia-source income file Form 500. Its page refers to legal residence and does not give a numeric day-count test, so confirm with the Department or a tax professional before relying on a number of days.

Does upstate New York or Long Island avoid the NYC income tax?

Yes. The NYC resident income tax applies only to residents of the five boroughs. A New York State resident living in Westchester, Long Island or upstate pays the state tax but not the NYC tax. Yonkers has its own separate income tax that we have not modelled. At $100,000 of wages, a New York resident outside NYC pays $4,861 of state tax versus $4,242 in Georgia.

What are the sales tax differences between New York and Georgia?

Per NY Publication 718 (rates effective March 1, 2025), New York State's rate is 4% and New York City's combined rate is 8.875%, with most other listed jurisdictions between 7% and 8.875%. Per the Georgia Department of Revenue, Georgia's state rate is 4%, with county and local rates added, so the combined rate depends on the county where you take delivery. Check the official rate charts for your county.

What is Georgia's income tax rate for 2026?

Georgia taxes income at a single flat rate of 4.99% for tax year 2026, with a $15,000 standard deduction for single filers, according to the Georgia Department of Revenue's 2026 income tax changes page. The 2025 rate was 5.19%. There are no brackets and no local income tax layer in this comparison. Rates can change by legislation, so check the Department before filing.

Does this comparison include federal tax, property tax or cost of living?

Federal income tax and payroll tax are included in the worked examples and are identical in both states, so they do not change the gap. Property tax, cost of living, salary differences and housing are not compared with figures here, because we did not source current official rates for them. Run the New York and Georgia calculators for your own situation.
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