Compare taxes and see how much you save moving from New York to New Jersey
New York and New Jersey are both high-tax states, but the comparison depends heavily on whether you live in NYC. New York State: 4-10.9% progressive. NYC residents add 3.078-3.876% city tax, reaching combined 14.8%. New Jersey: 1.4-10.75% state income tax but has the nation's highest property taxes (average $9,200/year). For NYC residents at $100,000: NY total ~$9,200, NJ ~$6,800. NJ saves $2,400 in income tax BUT property taxes can eliminate savings. For NY State (outside NYC) at $100,000: NY ~$5,800, NJ ~$6,800. NY State wins by $1,000. The calculus: Renters/apartment dwellers often save in NJ. Homeowners may lose savings to NJ property taxes. Many work in NYC and live in NJ to balance taxes with quality of life. Choose NYC if: you want city lifestyle, don't mind renting, or work-from-home isn't an option. Choose NJ if: you want more space, prefer suburbs, and can handle property taxes.
Progressive + NYC
4-10.9% state + 3.078-3.876% NYC for city residents
Progressive
1.4-10.75% progressive, high property taxes
At $100,000 (vs NYC) income:
That is $200/month back in your pocket!
| Income | NY Tax | NJ Tax | Savings | 10-Year |
|---|---|---|---|---|
| $75,000 | $6,500 (8.7% - NYC) | $4,200 (5.6%) | NJ saves $2,300 | $23,000 |
| $100,000 | $9,200 (9.2% - NYC) | $6,800 (6.8%) | NJ saves $2,400 | $24,000 |
| $150,000 | $15,500 (10.3% - NYC) | $11,200 (7.5%) | NJ saves $4,300 | $43,000 |
| $250,000 | $29,500 (11.8% - NYC) | $21,500 (8.6%) | NJ saves $8,000 | $80,000 |
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Moving from New York to New Jersey? Multi-state returns are tricky—partial-year residency, different deadlines, avoiding double taxation. Get matched with a CPA who specializes in state moves. Virtual meetings, fixed pricing.
Get Matched With a CPA →At $100K income: NJ income tax ~$6,800 vs NYC total ~$9,200. NJ saves ~$2,400 in income tax. BUT: Average NJ property tax is $9,200/year vs ~$3,000 for equivalent NYC property tax. If you're a homeowner, property taxes often eliminate or exceed income tax savings. Renters benefit more from NJ.
Outside NYC, you pay only state tax (4-10.9%), no city tax. At $100K: ~$5,800. This is actually LOWER than NJ's ~$6,800. Westchester, Long Island, Hudson Valley residents often pay less income tax than NJ residents while avoiding NJ's crushing property taxes.
Yes, you pay NY State income tax on NY-sourced income but NOT NYC tax (non-residents exempt). You get a credit on your NJ return for taxes paid to NY. Effectively, you pay the higher of the two rates. This makes the NJ benefit smaller for NYC workers than pure NJ workers.
NJ income tax savings become substantial: ~$8,000/year at $250K. Even with high NJ property taxes, high earners often come out ahead in NJ IF they're willing to commute. The math favors NJ more as income rises because income tax savings outpace property tax costs.
Game-changer for NJ. If you can work remotely (or mostly remotely), you can live in NJ, avoid NYC tax AND potentially avoid NY State tax (if employer allows). Combined with NJ's recent remote work policies, this makes NJ significantly more attractive for remote workers in 2026.