Share your documents
Send W-2s, 1099s and a rough count of days worked in New York, in New Jersey and elsewhere. Last year's returns help, too.
NY nonresident & NJ commuter returns
New York nonresident tax return preparer in Jersey City for NJ residents who work in NYC
If you live in Jersey City and earn a paycheck in New York, you are filing in two states. We prepare the New York nonresident return and the matching New Jersey return together, so the credit for tax paid to New York is claimed correctly and your remote days are counted the right way.
Last reviewed October 3, 2026
NY / NJ Commuter Returns, At A Glance
Best forNJ residents working in New York
FormsNY IT-203 & NJ-1040 with NJ-COJ
Key detailWorkday counts & withholding
PricingFixed quote, in writing
How Two-State Filing Works
One paycheck, two returns, and a credit that has to be claimed
Wages earned for work performed in New York are generally taxable by New York even if you sleep in Jersey City. That means a New York nonresident return (Form IT-203). New Jersey, as your state of residence, taxes your income from all sources, so you also file a New Jersey resident return and claim a credit for tax paid to New York on Schedule NJ-COJ. The credit is what prevents you from being taxed twice on the same wages, and it is the line commuters most often get wrong.
Because you live in New Jersey, you do not pay New York City resident income tax. That is a common point of confusion on PATH and ferry commutes, and one we confirm against your W-2 so your withholding matches what you actually owe.
If you want the background first, our guide to filing taxes in both New York and New Jersey walks through the basics. This page is for the next step: having someone prepare both returns and stand behind them.
Where Commuter Returns Go Wrong
The details that decide whether you overpay or get a notice
01
Remote and hybrid workdays
Days worked from home in Jersey City can change which state taxes your wages. New York has a rule that can treat remote days as New York workdays when remote work is for your employer's convenience, so we count days before filing.
02
Withholding that does not match
Employers sometimes withhold for the wrong state, or both. We reconcile each W-2 against your real liability in each state.
03
Bonuses, RSUs and job changes
Equity pay and bonuses can be allocated across states based on where you worked. Mid-year job changes add more than one W-2 and more than one set of day counts.
04
The NJ credit for taxes paid to New York
Claiming the Schedule NJ-COJ credit incorrectly is the fastest route to overpaying or to a New Jersey notice.
05
Statutory residency in New York
Keeping a New York apartment and spending more than 183 days in the state can make you a New York resident for tax purposes. If that is close to your situation, tell us early.
06
Self-employed commuters
Consultants and freelancers with New York clients may owe estimated tax in both states. See our page for an accountant for freelancers and 1099 contractors.
How It Works
From your W-2s and day counts to two filed returns
Fixed quote
You get one price based on your actual documents, however many W-2s or states are involved.
Both returns, prepared together
We prepare the New York and New Jersey returns side by side so the credit and allocations line up.
Second review and filing
A second reviewer checks the return against your source documents before it is e-filed.
Related Services
More help for Jersey City commuters and households
From Our Insights
Related reading
Common Questions
Frequently asked questions
Do I have to file a New York return if I live in New Jersey?+
Generally yes, if you earned income from New York sources such as wages for work performed in New York. You file a New York nonresident return and then claim a credit for that tax on your New Jersey return.
I work from home in Jersey City a few days a week. Does that change anything?+
It can. Days worked at home may count as New York workdays when remote work is for your employer's convenience rather than a requirement of the job. Bring your day counts and we will sort out how to treat them.
Will I pay tax on the same income in both states?+
No, not on the same income. New Jersey gives a credit for tax paid to New York on income taxed by both, which is why the two returns have to be prepared together.
My employer withheld New York tax. Do I still need to file?+
Usually yes. Withholding is a payment toward your liability, not a filing. A return is how you reconcile what was withheld against what you owe and claim the New Jersey credit.
How much does a New York and New Jersey return cost?+
We quote a fixed price from your actual documents, so adding a state does not add a surprise. Our page on tax preparation cost in Jersey City explains what moves the number.
Get your New York and New Jersey returns done right
Send us your W-2s and a rough day count and we will confirm what the filing involves and what it costs before any work begins.