Last updated: 2025 BLS data · Page refreshed:
How much does a Heating, Air Conditioning, and Refrigeration Mechanics and Installers actually take home in New York?
Progressive (up to 10.9%) — 24.0% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers earning $74,430 in New York (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $74,430 | — |
| Federal Income Tax | -$8,215 | 11.0% |
| New York State Income Tax | -$3,928 | 5.3% |
| Social Security (OASDI) | -$4,614 | 6.2% |
| Medicare | -$1,079 | 1.5% |
| Total Taxes | -$17,838 | 24.0% |
| Take-Home Pay | $56,591 | 76.0% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New York.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $48,560 | -$10,063 | $38,496 | 20.7% |
| 25th Percentile (P25) | $59,720 | -$12,870 | $46,849 | 21.6% |
| Median (P50) | $74,430 | -$17,838 | $56,591 | 24.0% |
| 75th Percentile (P75) | $88,130 | -$22,691 | $65,438 | 25.7% |
| 90th Percentile (P90) | $100,680 | -$27,165 | $73,514 | 27.0% |
After federal income tax ($8,215), state tax ($3,928), and FICA ($5,693), a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New York takes home $56,591 per year — or $4,715 per month. The effective tax rate of 24.0% is relatively low compared to the national range.
With an effective total rate of 24.0%, a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New York keeps $56,592 of $74,430 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
New York uses a progressive state income tax, so brackets escalate as wages rise. For this Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary the state tax works out to $3,929 (5.3% effective) — on top of federal and FICA.
Federal tax on this Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary is $8,216 (46%), but combined state ($3,929, 22%) + FICA ($5,694, 32%) make up the other 54% of the bill.
Moving this same Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary to a zero-state-tax state would yield around $60,520 net — a gain of $3,929 (6.9%) per year versus New York.
For Heating, Air Conditioning, and Refrigeration Mechanics and Installers after-tax pay, New York ranks #11 of 51 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $56,592 net/year works out to $4,716/month or $2,177/bi-weekly for this Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New York — the numbers that actually hit a checking account after every deduction.
Where does a Heating, Air Conditioning, and Refrigeration Mechanics and Installers keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
New York ranks #11 out of 51 states for Heating, Air Conditioning, and Refrigeration Mechanics and Installers after-tax take-home pay.
A Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New York earning a median salary of $74,430 will take home approximately $56,591 per year after federal income tax ($8,215), state income tax ($3,928), and FICA ($5,693). That is $4,715 per month or $2,176 per bi-weekly paycheck.
The effective total tax rate for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New York is 24.0%, broken down as: federal income tax 11.0%, New York state tax 5.3%, and FICA (Social Security + Medicare) 7.7%. This assumes a single filer with the standard deduction for 2024.
New York has a progressive (up to 10.9%). On a Heating, Air Conditioning, and Refrigeration Mechanics and Installers's median salary of $74,430, the state income tax amounts to $3,928 per year, which is an effective state rate of 5.3%.
After all taxes, a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New York takes home approximately $4,715 per month, or about $27.21 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 $74,430 for Heating, Air Conditioning, and Refrigeration Mechanics and Installers 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 — $56,591/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