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See the New York State income tax brackets 2026, a clean rate table, withholding notes, and quick answers so you can estimate your NY bill in minutes.
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Taxes are rarely a favorite topic. Yet, it is also true that getting a picture of what you owe today can save you stress later. If you have income in New York for the 2026 tax year, the percentages below determine the taxation amount. In this post, we will walk through the New York State Income Tax Brackets 2026.
The New York State income tax brackets for 2026 are between 3.90% and 10.90%. Keep in mind that such New York State income tax rates apply to specific chunks of your money — not the entire amount.
The table below summarizes the statutory brackets for tax years beginning after 2025 and before 2027 — the 2026 tax year.
Bracket rate | Single / Married filing separately / Estates & trusts | Head of household | Married filing jointly / Qualifying surviving spouse |
|---|---|---|---|
3.90% | $0 – $8,500 | $0 – $12,800 | $0 – $17,150 |
4.40% | $8,501 – $11,700 | $12,801 – $17,650 | $17,151 – $23,600 |
5.15% | $11,701 – $13,900 | $17,651 – $20,900 | $23,601 – $27,900 |
5.40% | $13,901 – $80,650 | $20,901 – $107,650 | $27,901 – $161,550 |
5.90% | $80,651 – $215,400 | $107,651 – $269,300 | $161,551 – $323,200 |
6.85% | $215,401 – $1,077,550 | $269,301 – $1,616,450 | $323,201 – $2,155,350 |
9.65% | $1,077,551 – $5,000,000 | $1,616,451 – $5,000,000 | $2,155,351 – $5,000,000 |
10.30% | $5,000,001 – $25,000,000 | $5,000,001 – $25,000,000 | $5,000,001 – $25,000,000 |
10.90% | $25,000,001+ | $25,000,001+ | $25,000,001+ |
It is possible to achieve a rough number using the New York State income tax brackets 2026 and the formula for the filing status.
New York taxable income is the final amount for the state taxes. This number is achieved after applying state adjustments & subtracting either the standard deduction / itemized deduction.
Yes, nonresidents & part-year residents use the same New York State income tax brackets for 2026. However, the process is distinct, as you must allocate the income using Form IT-203 to separate what belongs to New York.
The big update impacting the 2026 New York State income tax brackets is a series of rate reductions. These changes are part of the tax law & appear in the updated materials that employers started using in January.
The 2026 NYS withholding tax tables present employers with exactly how much to take out of the check. They are also helpful for employees who want to check if their withholding looks precise. The Department of Taxation and Finance releases these tables.
It is smart to fill out a new Form IT-2104 if life changes, as these instructions have updates for 2026.
Bank interest — savings, CDs and standard 1099-INT interest, in general, is taxable in New York. However, it is possible to exclude interest from specific government sources.
2 common exceptions are presented below:
Yes. The state brackets apply to everyone. In the case of living in New York City or Yonkers, taxpayers pay a local tax — on top of the state tax.
It is possible to see the influence of NY State Tax brackets 2026 in 2 places: the money withheld from the paycheck & the final calculation on the tax return.
Acknowledging the 2026 New York State income tax brackets is a great initial step. Yet, it should also be recognized that the real savings come from planning the income and residency as well as reporting practices.
For tax year 2025, New York’s bracket rates start at 4% and go up to 10.90% for very high income.
Per the Internal Revenue Service, the federal standard deduction for tax year 2026 is $16,100 (single/MFS), $24,150 (HOH) and $32,200 (MFJ).
For 2026 payrolls, the New York State Department of Taxation and Finance revised withholding tables to mirror the enacted rate reductions — effective for paychecks paid on or after January 1, 2026.
Regular bank interest is taxable in New York; a common exception is interest linked with specific US government obligations — which New York excludes from state taxable income.
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