Yonkers Income Tax Calculator 2026: Calculate Your Net Pay
Living in Yonkers, the "City of Seven Hills," offers a unique balance between Westchester suburban life and proximity to Manhattan. However, for taxpayers, Yonkers is one of the few jurisdictions in the United States that imposes a local income tax surcharge on top of New York State and Federal taxes. Whether you are a resident, a part-year resident, or a commuter working within city limits, our Yonkers Income Tax Calculator provides a precise estimate of your 2026 tax liability (for the 2025 tax year) using the latest New York State Department of Taxation and Finance data.
Understanding the Yonkers Resident Income Tax Surcharge
The most critical factor for Yonkers residents is the City of Yonkers Resident Income Tax Surcharge. Unlike most cities, Yonkers calculates its local tax as a percentage of your New York State "net tax."
- Resident Surcharge Rate: For the 2025 tax year (filing in 2026), the surcharge is 16.75% of your New York State tax.
- How it Works: First, your NY State tax is calculated based on progressive brackets. Then, 16.75% is added to that amount specifically for the City of Yonkers.
- Nonresident Earnings Tax: If you work in Yonkers but live elsewhere, you may be subject to a 0.50% earnings tax on your wages or self-employment income earned within the city.
2025-2026 New York State Tax Brackets for Yonkers Residents
Before the Yonkers surcharge is applied, your income is subject to New York's progressive state brackets. Below are the official rates for the 2025 tax year (filed in 2026).
Single or Married Filing Separately
| Taxable Income Over | But Not Over | Your NY State Tax is: |
|---|---|---|
| $0 | $8,500 | 4% of taxable income |
| $8,500 | $11,700 | $340 + 4.5% of excess over $8,500 |
| $11,700 | $13,900 | $484 + 5.25% of excess over $11,700 |
| $13,900 | $80,650 | $600 + 5.5% of excess over $13,900 |
| $80,650 | $215,400 | $4,271 + 6.0% of excess over $80,650 |
| $215,400 | $1,077,550 | $12,356 + 6.85% of excess over $215,400 |
| $1,077,550 | $5,000,000 | $71,413 + 9.65% of excess over $1,077,550 |
Married Filing Jointly or Qualifying Surviving Spouse
| Taxable Income Over | But Not Over | Your NY State Tax is: |
|---|---|---|
| $0 | $17,150 | 4% of taxable income |
| $17,150 | $23,600 | $686 + 4.5% of excess over $17,150 |
| $23,600 | $27,900 | $976 + 5.25% of excess over $23,600 |
| $27,900 | $161,550 | $1,202 + 5.5% of excess over $27,900 |
| $161,550 | $323,200 | $8,553 + 6.0% of excess over $161,550 |
| $323,200 | $2,155,350 | $18,252 + 6.85% of excess over $323,200 |
New York State Standard Deductions (2025)
Standard deductions reduce your taxable income, potentially moving you into a lower tax bracket. For the 2025 tax year (filed in 2026), the NY State amounts are:
- Single (cannot be claimed as a dependent): $8,000
- Single (can be claimed as a dependent): $3,100
- Married Filing Jointly: $16,050
- Married Filing Separately: $8,000
- Head of Household: $11,200
Pro Tip: New York State does not allow the same standard deduction as the federal government. Our calculator automatically applies the correct New York-specific deduction to ensure your Yonkers surcharge estimate is accurate.
Yonkers vs. NYC: Which City Has Higher Taxes?
If you are deciding between living in Yonkers or one of the five boroughs of New York City, the tax structure is a major factor:
- NYC Resident Tax: Ranges from 3.078% to 3.876% of your total taxable income.
- Yonkers Resident Surcharge: Exactly 16.75% of your New York State tax.
The Result: Generally, high-income earners find the Yonkers surcharge slightly more favorable than the NYC resident tax, though Westchester property taxes often offset these savings.
Additional Withholdings: FICA & MCTMT
Your paycheck in Yonkers will also reflect these mandatory contributions:
- Social Security & Medicare (FICA): A total of 7.65% (up to the annual wage limit for Social Security).
- MCTMT (Zone 1): Self-employed individuals and certain employers in Yonkers must pay the Metropolitan Commuter Transportation Mobility Tax, which funds the MTA. For 2026, the threshold for self-employed individuals to pay this tax has increased to $150,000 in earnings.
Expert Advice for Yonkers Taxpayers
If you are a high-net-worth individual or receive complex compensation (like stock options or RSUs), the 16.75% Yonkers surcharge can lead to a significant tax bill if your withholdings aren't adjusted correctly. Always check your Form IT-2104 (Employee's Withholding Allowance Certificate) to ensure enough tax is being withheld for both New York State and the City of Yonkers.