New York · Single parent
The benefits cliff for a single parent of two in New York
A raise on the cliff can cost this household−$22,194a year, mostly from lost childcare help.
The short answer
In New York, a single parent of two can hit a benefits cliff where a $1,000 raise around $96,000 cuts real take-home by $22,194 a year, mostly from lost childcare help. Past the cliff, take-home recovers and climbs again.
Household1 adult, 2 children
Cliff lands around$96,000
Safe exit income$137,000
Your benefits cliff
New York, household of 3. The filled line is your real take-home. The dashed line is wages alone.
You now$96kOffer$97kSafe exit$137kWages onlyBenefits end$97k
Every number comes from a government source
Each figure is drawn from the primary government source shown above. Two values are close approximations, not filing-grade quotes: the ACA benchmark (SLCSP) uses each state’s largest metro as a stand-in, and childcare help varies by county — both land within roughly 10%. See how CliffCheck knows the numbers
Questions people ask
- How much can a single parent of two earn before a benefits cliff in New York?
- For a single parent of two in New York, the steepest cliff lands around $96,000 a year, where a $1,000 raise cuts real take-home by about $22,194, mostly from lost childcare help. The exact point depends on your household, so check your own number.
- Why is the cliff different for a single parent household?
- Benefits depend on family size and how many adults are in the home, so a single parent of two qualifies for a different mix of help than other households. That changes which benefits fall away and where, so the cliff lands at a different income and a different size than the standard family-of-four example.
- What income clears the cliff for a single parent of two in New York?
- Real take-home passes its earlier level again at about $137,000 a year for this household. Earn past that safe exit and the raise pays off for good.