NYPD Police Officer Salary and Take-Home Pay in 2026
A new NYPD police officer earns a base salary of $55,942, paid from the first day of the Police Academy, and moves up one grade a year to $109,352 after 5.5 years. Paid every two weeks, that is $1,570.96 take-home a paycheck at the start and $2,796.98 at the top step.
Hiring is through the NYPD's recruiting site.
| Grade | Yearly pay | Take-home per paycheck | Take-home a year | Pension per paycheck |
|---|---|---|---|---|
| Starting (6th grade, first 1.5 years) | $55,942 | $1,570.96 | $40,844.88 | $86.06 |
| 5th grade (after 1.5 years) | $57,976 | $1,623.60 | $42,213.53 | $89.19 |
| 4th grade (after 2.5 years) | $59,065 | $1,651.76 | $42,945.78 | $90.87 |
| 3rd grade (after 3.5 years) | $60,363 | $1,685.35 | $43,819.16 | $92.87 |
| 2nd grade (after 4.5 years) | $65,387 | $1,815.31 | $47,198.16 | $100.60 |
| Basic maximum (after 5.5 years) | $109,352 | $2,796.98 | $72,721.42 | $168.23 |
Take-home is worked out with our NYC paycheck calculator for a single filer living in New York City, paid every two weeks, after federal, state and city income tax, Social Security, Medicare and the 4% pension contribution.
Rates come from the 2017-2025 PBA contract, which expired on July 31, 2025; its last rates stay in force until a successor is agreed.
An FDNY firefighter reaches the same $109,352 after 5.5 years, while FDNY EMTs and paramedics are paid on a separate scale that tops out at $73,586 for a paramedic.
NYPD sergeant, lieutenant, captain and detective salary
Each rank has its own union and pay scale. Lieutenant, captain and detective rates for 2026 apply the raises in each union's agreement with the city to the last schedule it printed, the method that reproduces the city's fiscal 2025 payroll for lieutenants and detectives.
| Rank and step | Yearly pay | Take-home per paycheck | Take-home a year | Pension per paycheck |
|---|---|---|---|---|
| Sergeant | ||||
| Step 1From December 10, 2025 | $114,037 | $2,897.80 | $75,342.77 | $175.44 |
| Step 2From December 10, 2025 | $114,349 | $2,904.51 | $75,517.23 | $175.92 |
| Step 3From December 10, 2025 | $114,583 | $2,909.54 | $75,648.03 | $176.28 |
| Step 4From December 10, 2025 | $119,617 | $3,016.96 | $78,441.02 | $184.03 |
| Step 5From December 10, 2025 | $125,424 | $3,140.81 | $81,661.06 | $192.96 |
| Step 6From December 10, 2025 | $140,212 | $3,446.34 | $89,604.84 | $215.71 |
| Lieutenant | ||||
| Step 1From March 16, 2026 | $147,351 | $3,593.32 | $93,426.26 | $226.69 |
| Step 2From March 16, 2026 | $147,621 | $3,598.88 | $93,570.89 | $227.11 |
| Step 3From March 16, 2026 | $147,890 | $3,604.42 | $93,714.87 | $227.52 |
| Step 4From March 16, 2026 | $160,941 | $3,873.12 | $100,701.10 | $247.60 |
| Captain | ||||
| Step 1From September 22, 2026 | $172,256 | $4,109.12 | $106,837.13 | $265.01 |
| Step 2From September 22, 2026 | $173,185 | $4,128.65 | $107,344.93 | $266.44 |
| Step 3From September 22, 2026 | $174,175 | $4,149.47 | $107,886.20 | $267.96 |
| Step 4From September 22, 2026 | $209,563 | $4,893.44 | $128,697.21 | $322.40 |
| Detective third grade | ||||
| Step 1From June 1, 2026 | $81,214 | $2,180.19 | $56,684.85 | $124.94 |
| Step 2From June 1, 2026 | $87,983 | $2,330.06 | $60,581.59 | $135.36 |
| Step 3From June 1, 2026 | $94,751 | $2,478.70 | $64,446.18 | $145.77 |
| Step 4From June 1, 2026 | $124,018 | $3,110.82 | $80,881.36 | $190.80 |
| Step 5From June 1, 2026 | $124,087 | $3,112.31 | $80,919.99 | $190.90 |
| Step 6From June 1, 2026 | $124,206 | $3,114.82 | $80,985.39 | $191.09 |
| Step 7From June 1, 2026 | $124,779 | $3,127.05 | $81,303.33 | $191.97 |
An officer promoted to detective third grade after 5.5 years of service starts at step 4.
How the NYPD 414(h) pension contribution is taxed
Police officers in Tier 3 pay 4% of pay into the New York City Police Pension Fund. It is a 414(h) pension contribution: it comes out before federal income tax, but New York State and New York City tax it, and it still counts as wages for Social Security and Medicare.
At the top step, $168.23 goes to the pension from each paycheck. Because it comes out before federal tax, federal withholding is $37.01 lower each paycheck than if the same amount came out after tax. State and city tax do not change.
The contribution is also taken from overtime, night differential and holiday pay, and it stops after 25 years of service.
NYPD salary calculator
The calculator starts at the top step, $109,352, with the 4% pension contribution already set. Change the salary to your own grade to see your paycheck.
At $109,352, the top step is close to a $110,000 salary, which takes home $76,072.79 a year in NYC with no pension contribution.
Take-home pay per paycheck
$2,796.98
$72,721.42a year
Enter your salary to see your take-home pay.
- Effective tax rate
- 29.5%
- Marginal tax rate
- 40%
Based on 2026 IRS and New York State withholding tables.
Paycheck breakdown
| Line | Per paycheck | Per year |
|---|---|---|
| Gross pay | $4,205.85 | $109,352.00 |
| 414(h) pension | $168.23 | $4,373.98 |
| Federal income tax | $548.66 | $14,265.14 |
| Social Security | $260.76 | $6,779.76 |
| Medicare | $60.98 | $1,585.48 |
| New York State income tax | $211.75 | $5,505.49 |
| New York City income tax | $158.49 | $4,120.73 |
| Take-home pay | $2,796.98 | $72,721.42 |
Where your paycheck goes
- Take-home pay$2,796.9866.5%
- Federal income tax$548.6613%
- Social Security and Medicare$321.747.6%
- New York State income tax$211.755%
- NYC income tax$158.493.8%
- Pre-tax deductions$168.234%
Paychecks through 2026
- Paychecks 1 to 25 come to $2,796.98 each.
- On paycheck 26 gross pay is 10 cents lower, bringing the year to the exact salary, so take-home falls to $2,796.92.
Rent you can qualify for
$2,733a month
NYC landlords ask for a yearly income of at least 40 times the monthly rent, so this is the most they approve on this pay.
NYPD neighborhood policing differential and other pay
Every police officer is paid a neighborhood policing differential of 2.25% of base salary on top of the scale: $1,258.70 a year at the starting grade and $2,460.42 at the top step. It counts toward overtime, holiday pay and the pension. With it, top-step take-home rises to $2,849.91 a paycheck.
Officers also receive holiday pay and a yearly uniform allowance on top of salary.