Should you move to a lower tax state? Compare income, property, and sales taxes between any two of 10 major states to see your potential annual savings — or extra cost.
This calculator estimates your total state and local tax burden in two different states to help you evaluate the financial impact of relocating. It combines three major tax components that affect most households.
We apply the top marginal state income tax rate to your annual income. A standard federal deduction adjustment is applied to approximate the effective rate. Five states (Texas, Florida, Washington, Nevada, Tennessee) have no state income tax.
Estimated based on your home's market value and the state's average effective property tax rate. Rates vary significantly — from 0.5% in Colorado to 2.1% in Illinois.
Estimated on your annual taxable spending. Uses the combined state and average local sales tax rate. Rates range from 7.0% in Florida to 9.5% in Tennessee.
A positive difference means you'd save money by moving to the target state. A negative difference means you'd pay more in taxes.
| State | Income Tax Rate | Property Tax Rate | Sales Tax Rate |
|---|---|---|---|
| Texas | 0% | 1.6% | 8.2% |
| Florida | 0% | 0.9% | 7.0% |
| Washington | 0% | 0.9% | 9.4% |
| Nevada | 0% | 0.6% | 8.2% |
| Tennessee | 0% | 0.7% | 9.5% |
| New York | 8.8% | 1.7% | 8.5% |
| California | 13.3% | 0.8% | 8.8% |
| Illinois | 4.95% | 2.1% | 8.8% |
| Colorado | 4.4% | 0.5% | 8.0% |
| Arizona | 2.5% | 0.6% | 8.4% |
Scenario: Moving from New York to Texas with $100,000 income, $400,000 home, $50,000 annual spending.
New York (Current):
Income Tax: $100,000 × 8.8% = $8,800
Property Tax: $400,000 × 1.7% = $6,800
Sales Tax: $50,000 × 8.5% = $4,250
Total: $19,850
Texas (Target):
Income Tax: $0
Property Tax: $400,000 × 1.6% = $6,400
Sales Tax: $50,000 × 8.2% = $4,100
Total: $10,500
💰 Potential Annual Savings: $9,350 ($779/month)
⚠️ Important Note: This calculator uses top marginal income tax rates and average state-level rates. Your actual tax burden may differ based on deductions, credits, local tax variations, and specific personal circumstances. Property taxes vary by county within states. Sales tax depends on what you buy and local rates.
As of 2026, five states have no state income tax: Texas, Florida, Washington, Nevada, and Tennessee. New Hampshire doesn't tax earned wages but does tax dividends and interest. Alaska has no state income tax or sales tax but relies on oil revenue. Our calculator includes the five most populous no-income-tax states.
Not necessarily. States without income tax often have higher property taxes, higher sales taxes, or both. For example, Texas has no income tax but property tax rates average 1.6% — among the highest in the nation. Tennessee has no income tax but a 9.5% sales tax rate. You need to consider all three tax components together, which is exactly what this calculator does.
The calculator uses the top marginal state income tax rate for each state. Most states have progressive tax brackets, so your actual effective rate may be lower than the top rate shown. The calculator applies a standard federal deduction adjustment factor to approximate the effective rate. For a more precise analysis, consult a tax professional.
No. Property tax rates vary significantly by county, city, and school district within each state. The rates used in this calculator are state-level averages from reputable sources. Urban areas often have higher rates than rural areas, and some counties have special assessments for schools or infrastructure. Check with a local real estate agent for area-specific rates.
This calculator covers the three largest state and local tax components that affect most households: income tax, property tax, and sales tax. It does not include estate/inheritance taxes, excise taxes (gas, alcohol, tobacco), vehicle registration fees, or business/self-employment taxes. It also doesn't account for tax credits, deductions, or exemptions you may qualify for.
Taxes are just one factor in a relocation decision. You should also consider: cost of living (housing, utilities, groceries, healthcare), climate, job market, quality of schools, proximity to family, healthcare quality, and lifestyle preferences. A move that saves you thousands in taxes might not be worth it if you're unhappy with other aspects of the new location. Use our Cost of Living Calculator for a broader comparison.
⚠️ Financial Disclaimer: This calculator provides estimates for educational purposes only. Results are not guaranteed and should not be considered financial advice. Consult a qualified financial advisor, CPA, or tax professional for personalized guidance. Tax laws and rates may change. Always verify current IRS rules, state tax authority databases, and local rates for your specific situation.