{"id":27804,"date":"2026-07-10T12:53:06","date_gmt":"2026-07-10T16:53:06","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/?p=27804"},"modified":"2026-07-10T12:53:08","modified_gmt":"2026-07-10T16:53:08","slug":"thinking-of-moving-to-a-different-state-for-lower-taxes-heres-what-you-need-to-know-before-relocating","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/thinking-of-moving-to-a-different-state-for-lower-taxes-heres-what-you-need-to-know-before-relocating","title":{"rendered":"Thinking of moving to a different state for lower taxes? Here&#8217;s what you need to know before relocating"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-well well is-style-b-blue-tint-4\">\n<p><strong>Key insights:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>State income tax doesn\u2019t tell the whole story\u2014state and local income, sales, property, estate and capital gains taxes all factor into your true tax burden.<\/li>\n\n\n\n<li>Lifestyle considerations, including your support network, daily amenities and access to healthcare, can be just as influential as tax policy in a relocation decision.<\/li>\n\n\n\n<li>Lower taxes may be offset by higher costs of living, insurance premiums in disaster-prone areas or other expenses, so a complete financial analysis is essential.<\/li>\n\n\n\n<li>Establishing residency requires more than just moving\u2014it involves legal and administrative steps that vary by state.<\/li>\n\n\n\n<li>If you split time between two states, be vigilant about day-count rules in the higher-tax state, as spending too much time there could expose you to taxation in both.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>With millionaire, billionaire and pied-\u00e0-terre taxes on the rise, many high-net-worth and ultra-high-net-worth families are relocating to states with lower taxes, or contemplating establishing their main residence in a more tax-friendly state.<\/p>\n\n\n\n<p>\u201cMany of our clients look at the issue of taxes, right now especially in Washington state, where a new millionaire tax of 9.9 percent on households with income over $1 million is supposed to take effect in 2028,\u201d says Cyndy Ranzau, a wealth strategist at RBC Wealth Management\u2013U.S. \u201cWashington doesn\u2019t have a state income tax, so this is a big shock. But the capital gains tax here for the sale of assets, such as stocks and bonds, starts at seven percent and is 9.9 percent for gains over $1 million.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tax-migration-is-accelerating-but-it-s-complicated\"><strong>Tax migration is accelerating, but it\u2019s complicated<\/strong><\/h2>\n\n\n\n<p>While taxes are not the only impetus for moving, Tax Foundation research published in April 2026 identified a clear pattern: not only are high-tax states such as California, New York, New Jersey, Illinois and Massachusetts losing population, they are also losing a disproportionate share of higher-income households to locations with lower taxes. Population gains were highest in states with no income tax or a lower overall tax burden, such as Florida, Texas, South Carolina, North Carolina and Tennessee.<\/p>\n\n\n\n<p>\u201cIt\u2019s easier for the clients who already have more than one home to consider establishing residency in a state with lower taxes, but we often get questions from clients about fully relocating to a lower-tax state and have a list of a few places they\u2019re thinking about,&#8221; Ranzau says. \u201cThere are multiple factors to consider, even when discussing taxes alone, because you need to look at both state and local income, sales, property and estate taxes to get a true picture of the tax burden and how it will affect individual clients.\u201d<\/p>\n\n\n\n<p>For example, Oregon doesn\u2019t have sales taxes, but they have higher income taxes and a low threshold for estate taxes, Ranzau notes.<\/p>\n\n\n\n<p>\u201cMany counties and cities have layers of sales taxes, so once a client thinks they\u2019re willing to move, we often connect them with a real estate agent or someone who knows local nuances such as special tax districts for schools,\u201d she says. \u201cFinancial advisors can provide macro-level insights about the financial implications of moving out of state, but we always recommend they work with a tax advisor.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-five-factors-to-consider-beyond-taxes-if-you-re-thinking-of-moving-to-a-different-state\"><strong>Five factors to consider\u2014beyond taxes\u2014if you&#8217;re thinking of moving to a different state<\/strong><\/h2>\n\n\n\n<p>When weighing an interstate move, lifestyle factors can have just as much influence as tax policies.<\/p>\n\n\n\n<p>\u201cThe thought of moving across the country permanently is a big lift for a lot of people, unless they\u2019re already flying back and forth to a second home with minimal luggage,\u201d Ranzau says.<\/p>\n\n\n\n<p>Here are five important questions to ask before making a relocation decision:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-where-is-your-support-system\"><strong>1. Where is your support system?<\/strong><\/h3>\n\n\n\n<p>Think about the family, friends and community that make up your day-to-day support network, and how a move might affect those relationships. For example, if you relocate somewhere that requires multiple connecting flights, you may see those people less. This often has a big impact on the decision for those with young grandchildren or a tight-knit social circle nearby.<\/p>\n\n\n\n<p>\u201cEvery situation is different: sometimes people tell me that their kids are so busy that they hardly see them, so moving several states away might actually mean they get more quality time during longer visits,\u201d Ranzau says.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-does-the-new-location-fit-your-lifestyle\"><strong>2. Does the new location fit your lifestyle?<\/strong><\/h3>\n\n\n\n<p>It&#8217;s worth asking whether a different destination can replicate what you value most about where you currently live, such as a walkable neighborhood, easy access to restaurants and cultural centers, transportation infrastructure, or a community where it&#8217;s realistic to build a new social network.<\/p>\n\n\n\n<p>People accustomed to city or suburban living, for example, often underestimate how different daily life can feel in a small town or rural area.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-nbsp-will-you-have-easy-access-to-quality-healthcare\"><strong>3.&nbsp;Will you have easy access to quality healthcare?<\/strong><\/h3>\n\n\n\n<p>The availability and proximity of hospitals and other healthcare facilities is an important consideration, especially as you age. But even if you\u2019re young and healthy, it&#8217;s a mistake to leave healthcare access as an afterthought.<\/p>\n\n\n\n<p>\u201cA lot of people cross their fingers and hope they won\u2019t need a specialist or assisted living, or say they\u2019ll move again if they need that kind of care,\u201d Ranzau says. \u201cSome people plan to fly back to their original home to see their doctors, but that may be a problem if you live in a more isolated location and need care quickly.\u201d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-have-you-considered-the-full-cost-of-living\"><strong>4. Have you considered the full cost of living?<\/strong><\/h3>\n\n\n\n<p>A lower tax bill may look attractive on paper, but the cost of living varies dramatically from state to state, and those differences add up quickly. For example, insurance can be significantly more expensive in states prone to <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/how-to-prepare-for-natural-disasters-increase-your-financial-resilience-in-case-the-unthinkable-happens\">natural disasters<\/a> like wildfires or hurricanes, which can meaningfully affect your overall housing costs.<\/p>\n\n\n\n<p>Factoring in the full range of expenses\u2014not just taxes\u2014gives you a more accurate picture of what a move would mean for your overall finances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-what-are-the-residency-requirements\"><strong>5. What are the residency requirements?<\/strong><\/h3>\n\n\n\n<p>Rules for establishing residency vary by state, but common requirements include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Owning or renting a home<\/li>\n\n\n\n<li>Obtaining a driver\u2019s license or state identification card<\/li>\n\n\n\n<li>Changing your vehicle registration<\/li>\n\n\n\n<li>Updating your address with the IRS and financial institutions<\/li>\n\n\n\n<li>Registering to vote<\/li>\n<\/ul>\n\n\n\n<p>Most states also have a day-count thresholdfor the minimum number of days you must be physically present in the state to be considered a resident\u2014typically 183 days or more in a tax year.<\/p>\n\n\n\n<p>\u201cIf you split time between two locations, it might make sense to spend more time in the lower-tax state and make it your primary residence,\u201d Ranzau says. \u201cBut you\u2019ll need to be especially vigilant about day-count rules in the other state\u2014spending too much time there could result in being audited by the higher tax state and subject to income taxes there.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advisors-can-help-you-see-the-full-picture\"><strong>Advisors can help you see the full picture<\/strong><\/h2>\n\n\n\n<p>Relocating to a different state is a major decision, and taxes are just one part of the equation. Your financial and tax advisors can help you evaluate all the pros and cons of moving to a lower-tax state.<\/p>\n\n\n\n<p>\u201cClients tend to focus on the tax savings, but we are there to remind them to consider their overall expenses, their community, their healthcare and their network of friends and family,\u201d Ranzau says.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tax savings can be a powerful motivator for moving states, but it\u2019s not the only factor to consider.<\/p>\n","protected":false},"author":22,"featured_media":27807,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[28],"tags":[987,990,989,988,985,247],"rbcwm_content_owner":[],"rbcwm_need":[462,483],"rbcwm_segment":[460],"rbcwm_solution":[465],"rbcwm_topic":[464],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-27804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax-strategies","tag-capital-gains-tax","tag-high-tax-states","tag-low-tax-states","tag-state-income-tax","tag-tax-migration","tag-tax-strategies","rbcwm_need-live","rbcwm_need-support","rbcwm_segment-individuals-and-families","rbcwm_solution-wealth-planning","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"Tax savings can be a powerful motivator for moving states, but it\u2019s not the only factor to consider.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":"<p data-pm-slice=\"1 1 []\">Neither RBC Wealth Management, a division of RBC Capital Markets, LLC (\u201cRBC WM\u201d), nor its affiliates or employees provide legal, accounting or tax advice. All legal, accounting or tax decisions regarding your accounts and any transactions or investments entered into in relation to such accounts, should be made in consultation with your independent advisors. No information, including but not limited to written materials, provided by RBC WM or its affiliates or employees should be construed as legal, accounting or tax advice.<\/p>"},"rbcwm_insight_cta_id":[8484],"rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":true,"rbcwm_toc_selector":"h2"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Thinking of moving to a different state for lower taxes? 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