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Take-home pay after federal, state and local taxes — salary or hourly, with overtime and pre-tax deductions.
New York · 2026 take-home pay
$13 an hour after taxes in New York
At $13 an hour in New York you keep about $10.99 of every hour — $440 a week, $1,906 a month or $22,866 a year full time — after 2026 federal income tax, Social Security, Medicare, New York income tax and state payroll programs. New York has a graduated income tax plus DBL and PFL, and its minimum wage is $16.00 an hour.
Where $13 an hour goes
| A year | A week | An hour | |
|---|---|---|---|
| Gross pay | $27,040 | $520 | $13.00 |
| Federal income tax | −$1,094 | −$21 | −$0.53 |
| Social Security (6.2%) | −$1,676 | −$32 | −$0.81 |
| Medicare (1.45%+) | −$392 | −$8 | −$0.19 |
| New York income tax | −$863 | −$17 | −$0.41 |
| DBL (Disability Benefits Law) | −$31 | −$1 | −$0.02 |
| PFL (Paid Family Leave) | −$117 | −$2 | −$0.06 |
| Take-home pay | $22,866 | $440 | $10.99 |
Effective tax rate 15.4% · federal bracket 10% · New York bracket 5.4%.
DBL (Disability Benefits Law): 0.5% of wages (capped) · PFL (Paid Family Leave): 0.43% of wages.
Take-home per paycheck
| Paid | Gross | Take-home |
|---|---|---|
| Weekly (52 paychecks) | $520.00 | $439.74 |
| Every two weeks (26) | $1,040.00 | $879.47 |
| Twice a month (24) | $1,126.67 | $952.76 |
| Monthly (12) | $2,253.33 | $1,905.52 |
$13 an hour at different hours
Take-home in New York for part-time, full-time and overtime weeks. Overtime is paid at 1.5 times $13 an hour for hours over 40, as federal law requires for most hourly workers.
| Schedule | Gross a week | Take-home a week | Take-home a year |
|---|---|---|---|
| 20 hours a week* | $260 | $234 | $12,181 |
| 30 hours a week | $390 | $340 | $17,690 |
| 40 hours a week | $520 | $440 | $22,866 |
| 40 hours + 5 overtime | $618 | $513 | $26,674 |
| 40 hours + 10 overtime | $715 | $586 | $30,452 |
*If this is your only job. With a second job, withholding on each is likely too low unless you adjust your W-4.
Is $13 an hour good pay in New York?
- Minimum wage: $13 an hour is below New York's minimum wage of $16.00 an hour, so most employers there can't pay it.
- Among New York workers: It's below the 10th percentile of hourly pay in New York (BLS, May 2025) — fewer than about 1 in 10 workers earn less. The median is $28.69 an hour.
- Local prices: New York's price level is 107.9% of the U.S. average (BEA Regional Price Parities), so $22,866 a year buys about what $21,188 would at national-average prices.
- Rent: the 30% rule points to about $676 a month. Check it with your debts.
- A 50/30/20 budget: about $953 a month for needs, $572 for wants and $381 for savings. Plan it in the budget calculator.
How New York compares on $13 an hour
New York ranks 47th of 51 for take-home pay on $13 an hour (1st = keeps the most). Here it is next to its neighbors.
| State | After tax, per hour | A year | Minimum wage | vs New York |
|---|---|---|---|---|
| New York | $10.99 | $22,866 | $16.00 | — |
| Connecticut | $11.30 | $23,494 | $16.94 | +$628 a year |
| Massachusetts | $10.88 | $22,621 | $15.00 | −$245 a year |
| New Jersey | $11.18 | $23,263 | $15.92 | +$397 a year |
| Pennsylvania | $11.07 | $23,028 | $7.25 | +$162 a year |
| Vermont | $11.25 | $23,405 | $14.42 | +$539 a year |
How the federal tax on $27,040 ($13 an hour) is worked out
Taxable income is $27,040 minus the 2026 standard deduction ($16,100) = $10,940. Each slice is taxed at its own rate:
| Rate | Income in this bracket | Tax |
|---|---|---|
| 10% | $10,940 | $1,094 |
| Total | $10,940 | $1,094 |
How the New York income tax on $27,040 ($13 an hour) is worked out
Taxable income is $27,040 of New York wages minus $8,000 standard deduction = $19,040.
| Rate | Income in this bracket | Tax |
|---|---|---|
| 3.9% | $8,500 | $332 |
| 4.4% | $3,200 | $141 |
| 5.15% | $2,200 | $113 |
| 5.4% | $5,140 | $278 |
| Total | $19,040 | $863 |
Common questions
How much is $13 an hour after taxes in New York?
About $10.99 for every hour you work, or $22,866 a year at 40 hours a week ($27,040 gross). Taxes take about 15.4% of your pay, for a single filer in 2026 with no pre-tax deductions.
How much is $13 an hour a week after taxes in New York?
About $440 a week at 40 hours, from $520 gross. Paid every two weeks, each paycheck is about $879.
How much is $13 an hour a month after taxes in New York?
About $1,906 a month at 40 hours a week, from $2,253 gross.
Is $13 an hour good pay in New York?
$13 an hour is below New York's minimum wage of $16.00 an hour, so most employers there can't pay it. It's below the 10th percentile of hourly pay in New York (BLS, May 2025) — fewer than about 1 in 10 workers earn less. The median hourly wage for all jobs in New York is $28.69. After taxes and local prices, $22,866 a year buys about what $21,188 would at national-average prices.
Is New York a high-tax state for $13 an hour?
It ranks 47th of 51 among the 50 states and D.C. for take-home on $13 an hour. The most you'd keep is $23,877 a year, in 9 places including Florida, North Dakota, New Hampshire; the least, $22,255 in Oregon.
More hourly rates
Sources and method
Our 2026 engine applies IRS Publication 15-T withholding, Social Security and Medicare, New York's income tax rules and New York's employee payroll programs (methodology). Local income taxes are not included. Minimum wages: U.S. Department of Labor. Wage distribution and jobs: BLS OEWS May 2025. Price levels: BEA Regional Price Parities.
- Publication 15-T (2026), Federal Income Tax Withholding Methods — Internal Revenue Service. Accessed October 14, 2026.
- State Minimum Wage Laws — U.S. Department of Labor, Wage and Hour Division. Accessed October 14, 2026.
- Occupational Employment and Wage Statistics, May 2025 — U.S. Bureau of Labor Statistics. Accessed October 14, 2026.
- Regional Price Parities by State — U.S. Bureau of Economic Analysis. Accessed October 14, 2026.