Federal Take-Home Pay in Buffalo, NY 2026
Estimate your actual biweekly net paycheck as a GS federal employee in Buffalo, NY (Buffalo-Cheektowaga-Olean, NY, 22.41% locality). Accounts for FEHB premiums, FERS retirement contributions, TSP, Social Security, Medicare, and 2026 federal income tax withholding. Covers the Buffalo-Cheektowaga area in western New York near the Canadian border.
The Buffalo-Cheektowaga-Olean, NY locality rate of 22.41% ranks #22 out of 47 federal pay areas in 2026. This mid-range locality rate reflects a balance between regional labor costs and the federal pay structure. Locality rates range from 18.15% to 46.34% (San Jose, CA).
Major federal employers in Buffalo, NY include VA, CBP, IRS, Army Corps, USPS. Your locality rate is based on your duty station, not where you live — so teleworking from a different pay area may change your rate.
GS-12 Step 5 Paycheck Breakdown — Buffalo, NY
Sample biweekly paycheck at GS-12 Step 5 in the Buffalo-Cheektowaga-Olean, NY locality area (22.41%). Uses FERS-FRAE 4.4%, 5% traditional TSP, BCBS Basic Self Only, single filer, no state tax.
| Item | Biweekly | Annual |
|---|---|---|
| Gross pay (22.41% locality) | $4,079.96 | $106,079 |
| − FEHB Premium (employee share) | ($133.77) | ($3,478) |
| − Social Security Tax (6.2%) | ($244.66) | ($6,361) |
| − Medicare Tax (1.45%) | ($57.22) | ($1,488) |
| − TSP Traditional (5%) | ($204.00) | ($5,304) |
| − Federal Income Tax Withholding (est.) | ($556.40) | ($14,466) |
| − FERS-FRAE Contribution (4.4%) | ($179.52) | ($4,668) |
| = Net Biweekly Take-Home | $2,704.39 | $70,314/yr |
Sources: OPM 2026 GS pay tables, IRS Pub 15-T (2026), SSA 2026 COLA Fact Sheet, 5 CFR Part 892. All amounts are estimates.
Calculate Your Exact Take-Home Pay in Buffalo, NY
Use the interactive calculator below to enter your specific grade, step, FERS tier, TSP elections, and FEHB premium. Pre-set to the Buffalo-Cheektowaga-Olean, NY locality area (22.41%).
| Deduction | Biweekly | Annual |
|---|---|---|
Gross Biweekly Pay Before any deductions | $4,079.96 | $106,079 |
− FEHB Premium (employee share) Pre-tax (FIT + FICA) | ($133.77) | ($3,478) |
− Social Security Tax (6.2%) FICA | ($244.66) | ($6,361) |
− Medicare Tax (1.45%) FICA | ($57.22) | ($1,488) |
− TSP Traditional (5%) Pre-tax (FIT only) | ($204.00) | ($5,304) |
− Federal Income Tax Withholding (est.) Federal income tax (est.) | ($556.40) | ($14,466) |
− FERS-FRAE Contribution (4.4%) After-tax | ($179.52) | ($4,668) |
| = Net Biweekly Take-Home | $2,704.39 | $70,314/yr |
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Frequently Asked Questions: Take-Home Pay in Buffalo, NY
What is GS-12 take-home pay in Buffalo, NY in 2026?
A GS-12 Step 5 federal employee in Buffalo, NY earns $106,079 gross annually (22.41% locality applied). After FERS-FRAE contributions (4.4%), 5% traditional TSP, FEHB BCBS Basic Self Only ($133.77 biweekly), Social Security (6.2%), Medicare (1.45%), and estimated federal income tax withholding, the net biweekly take-home is approximately $2,704.39 — or about $70,314 per year.
How does the Buffalo, NY locality rate affect my paycheck?
The Buffalo, NY locality pay adjustment is 22.41% in 2026. This means your GS base salary is multiplied by 1.2241 before any deductions. For a GS-12 Step 5 employee, the 22.41% locality adjustment adds $19,420 to annual pay ($746.92 biweekly), but all of that additional pay is also subject to FICA taxes, FERS contributions, and federal income tax.
What percentage of a GS paycheck goes to taxes and deductions in Buffalo, NY?
For a typical GS-12 Step 5 employee in Buffalo, NY under the standard assumptions (FERS-FRAE 4.4%, 5% TSP, BCBS Basic Self Only, single filer), total deductions are approximately $1,375.57 per biweekly paycheck — or 33.7% of gross. This includes Social Security ($244.66), Medicare ($57.22), estimated federal income tax ($556.40), FERS ($179.52), FEHB ($133.77), and TSP ($204.00).
How does Buffalo, NY compare to neighboring localities for take-home pay?
Buffalo, NY has a 22.41% locality rate, ranking #22 out of 47 pay areas in 2026. Nearby areas include Albany, NY (20.77%), New York, NY (37.95%), Cleveland, OH (22.23%). A higher locality rate means higher gross pay — but also higher dollar amounts withheld for FERS, TSP (if elected as a percentage), and FICA taxes.
Does FERS reduce my federal income tax in any locality?
No — FERS employee contributions are after-tax regardless of locality. The Buffalo, NY locality rate of 22.41% raises your gross pay, but FERS (4.4% for most active employees) is deducted after all taxes are computed. This means a GS-12 Step 5 employee in Buffalo, NY pays approximately $179.52 biweekly to FERS ($4668/yr), with no income-tax reduction for that contribution.
Does state income tax affect take-home pay for federal employees in Buffalo, NY?
The default estimate above assumes no state income tax. If you live in a state that taxes income and work in Buffalo, NY, enter your state's rate in the calculator. States with no income tax (e.g., Texas, Florida, Washington, Nevada) save federal employees a significant amount. Covers the Buffalo-Cheektowaga area in western New York near the Canadian border.