Interstate Tax Impact Calculator

This calculator adds up two separate tax deltas that most relocation planning overlooks until the first year's bill arrives: the change in state income tax and the change in property tax. Income tax change is simply your annual gross income multiplied by the difference between your new and current state's effective rate — a straightforward flat-rate model that doesn't account for progressive brackets, deductions, or credits, so treat the rate inputs as your effective (not marginal) tax rate for a more accurate result. Property tax change works the same way, applying the difference in effective property tax rates to your new home's value; if you're renting in the new location, setting home value to zero correctly zeroes out this half of the calculation. The two deltas are summed into a total annual tax change, then divided by 12 for a monthly figure and multiplied by 5 for a longer-horizon projection.

That five-year number assumes both tax rates and your income stay flat, which is a simplification — actual state tax rates change with legislation, and property tax rates shift as local assessments and mill levies are updated, especially in high-growth areas. The calculator is most useful as a directional signal: is this move a net tax win or a net tax cost, and roughly how large is it. It won't replace an actual accountant's projection, particularly for anyone with income near a state's top bracket, itemized deductions, or a property assessment likely to be reappraised soon after the move.