New York tax breakdown: where your taxes go
New York data updated · State budget model FY2025 · Federal, state, and local taxes
Where do my New York tax dollars go?
It depends on your ZIP code, income, and whether you own or rent. Federal income and payroll taxes fund programs like Social Security, Medicare, and defense. New York has a graduated state income tax, and some localities add their own income tax. State taxes fund the New York budget, and property taxes fund your county, city or town, schools, and special districts. Enter a New York ZIP code to see your own breakdown, built from NY Department of Taxation and Finance and NY Office of State Comptroller.
See your own New York breakdown
Enter your ZIP code and income. Try Yonkers (10701) as an example.
Calculate where my New York taxes goNew York taxes we estimate
Every New York estimate includes federal income tax, Social Security, and Medicare, plus:
- NYC Income Tax. Additional income tax for New York City residents at graduated rates (3.078% to 3.876%).
- Yonkers Surcharge. Yonkers residents pay an additional 16.75% surcharge on their NY state income tax.
- MCTMT. Metropolitan Commuter Transportation Mobility Tax for self-employed individuals in the MTA region.
- STAR Exemption. School Tax Relief program that reduces school property taxes for homeowners. Basic STAR for all homeowners, Enhanced STAR for seniors 65+.
How New York state taxes work
- NY uses graduated tax rates from 4% to 10.9% based on taxable income
- Standard deduction: $8,000 (single), $16,050 (married), $11,200 (HoH)
- NYC residents pay additional NYC income tax (3.078% to 3.876%)
- Yonkers residents pay 16.75% surcharge on state income tax
Rates shown are for 2025 tax year. NYC and Yonkers local taxes are in addition to state tax.
How New York property tax works
- Property taxes are levied by county, municipality, and school district, with village overlays where applicable
- Tax rates expressed per $1,000 of assessed value
- Equalization rates convert assessed value to full market value
- Basic STAR provides $30,000 school tax exemption for homeowners
- Enhanced STAR provides $70,700 exemption for seniors 65+ with income under $98,700
- For New York City households, the direct local taxes in this flow are NYC income tax and NYC property tax
- NYC school funding is bundled into the citywide property-tax system, so there is no separate current school-district line in the NYC property view
STAR, NYC household credits, NYC school-tax credits, and the co-op or condo abatement only appear when they change the modeled household tax. Detailed relief amounts stay in the local section summary, while the rule explanation lives here.
Official New York data sources
State budget model: FY2025. New York data last updated November 2024.
- NY Department of Taxation and Finance · November 2024
- NY Office of State Comptroller · November 2024
- NY Office of Real Property Tax Services · November 2024
- NY Open Budget · November 2024
New York tax questions
Where do my New York state taxes go?
New York has a graduated state income tax, and some localities add their own income tax. NY uses graduated tax rates from 4% to 10.9% based on taxable income. Standard deduction: $8,000 (single), $16,050 (married), $11,200 (HoH). NYC residents pay additional NYC income tax (3.078% to 3.876%). Yonkers residents pay 16.75% surcharge on state income tax. Enter your ZIP code and income to see your estimated dollars by budget category.
How is property tax calculated in New York?
Property taxes are levied by county, municipality, and school district, with village overlays where applicable. Tax rates expressed per $1,000 of assessed value. Equalization rates convert assessed value to full market value. Basic STAR provides $30,000 school tax exemption for homeowners. Enhanced STAR provides $70,700 exemption for seniors 65+ with income under $98,700. For New York City households, the direct local taxes in this flow are NYC income tax and NYC property tax. NYC school funding is bundled into the citywide property-tax system, so there is no separate current school-district line in the NYC property view.
Which taxes does Tax Transparency estimate for New York residents?
Federal income tax, Social Security, and Medicare, plus these New York taxes: NYC Income Tax, Yonkers Surcharge, MCTMT, and STAR Exemption.
Where does the New York data come from, and how current is it?
The New York estimate uses NY Department of Taxation and Finance, NY Office of State Comptroller, NY Office of Real Property Tax Services, and NY Open Budget. The state budget model reflects FY2025, and the state data was last updated November 2024.
What does the New York estimate not include?
Rates shown are for 2025 tax year. NYC and Yonkers local taxes are in addition to state tax. STAR, NYC household credits, NYC school-tax credits, and the co-op or condo abatement only appear when they change the modeled household tax. Detailed relief amounts stay in the local section summary, while the rule explanation lives here. Local budget data aggregates spending across the county, municipality, village, school-district, and NYC or Yonkers income-tax layers we can match from official New York sources. Special districts appear separately only where the property-rate source provides a direct rate. STAR and NYC relief amounts shown are estimates unless you enter your actual amount or the locality publishes a household-specific benefit directly.