Illinois vs New York Paycheck Comparison 2026
Annual salary
Annual salary
Additional options (filing status, deductions)
You take home $461/yr more in Illinois
$38/mo · $18/paycheck more
$57,880/yr in Illinois vs $57,419/yr in New York.
Illinois
Take-home per paycheck
$2,226.15
$57,880/yr · 26x/yr
Tax rates
New York
Take-home per paycheck
$2,208.41
$57,419/yr · 26x/yr
Tax rates
Cost of living comparison
Cost of living in Illinois is 24% lower than in New York.
At a $75,000 salary, take-home pay of $57,880 in Illinois has the purchasing power of $43,709 in New York terms.
After adjusting for cost of living, New York comes out ahead by $13,710/yr.
Estimate based on 2026 tax rates and standard deductions. Does not include local taxes, itemized deductions, tax credits, or other individual circumstances.
Tax system comparison
Illinois: Illinois has a flat state income tax of 4.95%. All taxable income is taxed at the same rate.
New York: New York uses a progressive income tax with 9 brackets ranging from 4.00% to 10.90%.
Take-home pay at different salaries (single filer, 2026)
| Salary | Illinois take-home | New York take-home | Difference |
|---|---|---|---|
| $50,000 | $39,880 | $39,644 | + $236 |
| $75,000 | $57,880 | $57,419 | + $461 |
| $100,000 | $74,230 | $73,466 | + $764 |
| $150,000 | $106,366 | $104,952 | + $1,414 |
| $200,000 | $139,027 | $136,963 | + $2,064 |
| $300,000 | $200,327 | $196,455 | + $3,871 |
Positive values mean higher take-home in Illinois. Assumes single filer, no deductions.
FAQ
Which state has lower taxes, Illinois or New York?
At a $100,000 salary, Illinois results in $764 more annual take-home pay. Illinois has a flat state income tax of 4.95%. All taxable income is taxed at the same rate. New York uses a progressive income tax with 9 brackets ranging from 4.00% to 10.90%.
How much more do you take home in Illinois vs the other state?
The difference depends on salary. At $50,000, the gap is $236/yr. At $150,000, it grows to $1,414/yr. At $300,000, the difference is $3,871/yr.
Do Illinois and New York have the same federal taxes?
Yes. Federal income tax, Social Security, and Medicare are the same in every state. Only state income tax differs. This calculator shows the combined effect of federal and state taxes on your take-home pay.
Is it cheaper to live in Illinois or New York?
Illinois is cheaper to live in. Cost of living in Illinois is 13% lower than in New York. Illinois's Regional Price Parity is 97.1 and New York's is 112.1 (US average = 100).
Is Illinois cheaper than New York?
Yes. Illinois has a lower cost of living than New York (index 97.1 vs 112.1). Housing is typically the biggest difference between the two states.
Is New York more expensive than Illinois?
Yes. New York has a higher cost of living (index 112.1) compared to Illinois (index 97.1). The national average is 100. Housing costs are typically the largest driver of the difference.
After cost of living, which state is actually cheaper?
At a $100,000 salary, take-home pay of $74,230 in Illinois has the purchasing power of $64,297 in New York terms. Conversely, $73,466 in New York equals $84,815 in Illinois terms. After adjusting for both taxes and cost of living, New York comes out ahead.
Illinois vs New York cost of living — what's the difference?
The overall cost of living is 15% different between Illinois and New York. Living costs are about 3% below the national average Living costs are 12% above the national average After taxes and cost of living, New York gives you more purchasing power on a $100,000 salary.
Related tools
- Illinois vs New York Cost of Living — Compare housing, groceries, utilities, and overall expenses
- How much house can you afford in Illinois?
- How much house can you afford in New York?
Illinois Paycheck Estimator · New York Paycheck Estimator · All states