Last updated: 2025 BLS data · Page refreshed:
How much does a Captains, Mates, and Pilots of Water Vessels actually take home in New York?
Progressive (up to 10.9%) — 27.3% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Captains, Mates, and Pilots of Water Vessels earning $104,800 in New York (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $104,800 | — |
| Federal Income Tax | -$14,897 | 14.2% |
| New York State Income Tax | -$5,719 | 5.5% |
| Social Security (OASDI) | -$6,497 | 6.2% |
| Medicare | -$1,519 | 1.4% |
| Total Taxes | -$28,633 | 27.3% |
| Take-Home Pay | $76,166 | 72.7% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Captains, Mates, and Pilots of Water Vessels in New York.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $54,850 | -$11,645 | $43,204 | 21.2% |
| 25th Percentile (P25) | $79,410 | -$19,588 | $59,821 | 24.7% |
| Median (P50) | $104,800 | -$28,633 | $76,166 | 27.3% |
| 75th Percentile (P75) | $129,250 | -$37,632 | $91,617 | 29.1% |
| 90th Percentile (P90) | $165,360 | -$51,228 | $114,131 | 31.0% |
After federal income tax ($14,897), state tax ($5,719), and FICA ($8,017), a Captains, Mates, and Pilots of Water Vessels in New York takes home $76,166 per year — or $6,347 per month. The effective tax rate of 27.3% is moderate compared to the national range.
A Captains, Mates, and Pilots of Water Vessels in New York loses 27.3% of gross pay to taxes — higher than the ~25% national midpoint. Of the $104,800 gross, $76,166 lands in the paycheck after federal ($14,897), state ($5,720), and FICA ($8,017) withholding.
New York uses a progressive state income tax, so brackets escalate as wages rise. For this Captains, Mates, and Pilots of Water Vessels salary the state tax works out to $5,720 (5.5% effective) — on top of federal and FICA.
Federal tax on this Captains, Mates, and Pilots of Water Vessels salary is $14,897 (52%), but combined state ($5,720, 20%) + FICA ($8,017, 28%) make up the other 48% of the bill.
Moving this same Captains, Mates, and Pilots of Water Vessels salary to a zero-state-tax state would yield around $81,886 net — a gain of $5,720 (7.5%) per year versus New York.
For Captains, Mates, and Pilots of Water Vessels after-tax pay, New York ranks #8 of 38 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $76,166 net/year works out to $6,347/month or $2,929/bi-weekly for this Captains, Mates, and Pilots of Water Vessels in New York — the numbers that actually hit a checking account after every deduction.
Where does a Captains, Mates, and Pilots of Water Vessels keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
New York ranks #8 out of 38 states for Captains, Mates, and Pilots of Water Vessels after-tax take-home pay.
A Captains, Mates, and Pilots of Water Vessels in New York earning a median salary of $104,800 will take home approximately $76,166 per year after federal income tax ($14,897), state income tax ($5,719), and FICA ($8,017). That is $6,347 per month or $2,929 per bi-weekly paycheck.
The effective total tax rate for a Captains, Mates, and Pilots of Water Vessels in New York is 27.3%, broken down as: federal income tax 14.2%, New York state tax 5.5%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
New York has a progressive (up to 10.9%). On a Captains, Mates, and Pilots of Water Vessels's median salary of $104,800, the state income tax amounts to $5,719 per year, which is an effective state rate of 5.5%.
After all taxes, a Captains, Mates, and Pilots of Water Vessels in New York takes home approximately $6,347 per month, or about $36.62 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $104,800 for Captains, Mates, and Pilots of Water Vessels in New York, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), New York state income tax (progressive (up to 10.9%)), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $76,166/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR