Moving from Tennessee to New York: Cost & Tax Comparison
Compare state income tax savings, HUD rent differentials, and household purchasing power adjustments when relocating from Tennessee to New York.
Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology
What changes when you move from Tennessee to New York
Tennessee has no state income tax on wages and New York has graduated income tax rates up to 10.9%. On a $100,000 salary a single filer pays $0 in state income tax in Tennessee and $4,860 in state income tax in New York. With federal income tax and FICA unchanged, total tax rises by $4,860 a year after the move. HUD's one-bedroom Fair Market Rent averages $977 a month across Tennessee's metro areas and $1,400 across New York's (+43.4%). Pay differs too: the BLS median wage across all occupations, weighted by employment in each state's metros, is $47,793 in Tennessee and $59,552 in New York. City and county income taxes, which some localities add, are not included in these state-level figures; the metro routes below include them.
Metropolitan Corridors Between Tennessee & New York
Moving from Tennessee to New York on a $100,000 salary: pay $4,860 more in total taxes per year; average one-bedroom rent is $1,400 vs $977 a month (HUD FMR).
Quick answers
For a single filer earning $100,000 with no local income tax, total federal, FICA and state taxes are $4,860 higher in New York than in Tennessee (4.9 percentage points of gross pay). The average HUD one-bedroom Fair Market Rent across New York's metros is $1,400 a month, versus $977 in Tennessee (+43.4%). Taxes and one-bedroom rent combined change by -$9,943 a year.
Tennessee: No State Income Tax, top rate 0%. New York: Graduated Brackets, top rate 10.9%. Federal income tax and FICA are the same in both states.