# RelocateMath

> Free calculators that answer "is it worth moving to another U.S. state?" using 2026 federal and state tax rules and official data (Census ACS 2024, BEA Regional Price Parities 2024, IRS migration data 2022–2023, EIA, Freddie Mac, state revenue and DMV agencies). Data reviewed 2026-09-25.

Key facts:
- States with no tax on wages (2026): Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming.
- 30-year mortgage rate used: 6.95% (Freddie Mac, week of 2026-09-17).
- "Equal salary" = gross pay in the new state giving the same after-tax, price-adjusted income.

## Calculators
- [State-to-state move calculator](https://relocatemath.com/): take-home pay, equal salary, buying power; options to keep a job and work remotely, to itemize deductions, to add children (child tax credits, rent by bedrooms, child care) or head-of-household filing, and an "I'm retired" mode comparing Social Security, pension and IRA taxes plus typical retiree costs (/move/ pages take ?mode=retire)
- [Moving cost calculator](https://relocatemath.com/moving-cost/): truck, container and full-service ranges by route
- [Income needed to buy a house](https://relocatemath.com/buy-a-house/): 28/36 rule by state
- [Cost of living by state](https://relocatemath.com/salary-needed/): prices and the salary needed to rent, buy or live a typical lifestyle
- [Retirement taxes by state](https://relocatemath.com/retire/): Social Security, pensions, 401(k)/IRA
- [Live in one state, work in another](https://relocatemath.com/commute/): reciprocity and credits
- [Where Americans are moving](https://relocatemath.com/migration/): IRS state-to-state migration
- [Where should I move? quiz](https://relocatemath.com/where-should-i-move/): ranks states or metro areas on taxes, prices, climate (NOAA normals), jobs and wages (BLS) and disaster risk
- [Moving timeline](https://relocatemath.com/moving-timeline/): a dated plan from your move day, with your new state's license and registration deadlines and a calendar file
- [City to city calculator](https://relocatemath.com/cities/): 149 metros (the 100 largest plus smaller ones movers choose), salary, rent, taxes, risk
- [Cost of living by city](https://relocatemath.com/cost-of-living/): prices, rent, taxes, climate and jobs for each metro
- [Car shipping cost calculator](https://relocatemath.com/car-shipping/)
- [Retire on a budget](https://relocatemath.com/retire-on-a-budget/): where a monthly budget covers typical retiree spending
- [Natural disaster risk by state and county](https://relocatemath.com/natural-disaster-risk/) (FEMA National Risk Index)
- [Health insurance cost by state, 2026](https://relocatemath.com/health-insurance/)
- [Property tax by county](https://relocatemath.com/property-tax/)
- [Cost to insure and fuel a car by state](https://relocatemath.com/car-insurance-cost/) · [Gas prices](https://relocatemath.com/gas-prices/) · [Electric bills](https://relocatemath.com/electric-bills/)

## Most common moves
- [California to Texas](https://relocatemath.com/move/california-to-texas/): 44,417 households moved in 2022–2023; $100,000 in CA ≈ $78,200 in TX
- [New York to New Jersey](https://relocatemath.com/move/new-york-to-new-jersey/): 43,699 households moved in 2022–2023; $100,000 in NY ≈ $100,200 in NJ
- [New York to Florida](https://relocatemath.com/move/new-york-to-florida/): 43,187 households moved in 2022–2023; $100,000 in NY ≈ $88,100 in FL
- [California to Arizona](https://relocatemath.com/move/california-to-arizona/): 28,402 households moved in 2022–2023; $100,000 in CA ≈ $84,000 in AZ
- [Florida to Georgia](https://relocatemath.com/move/florida-to-georgia/): 28,263 households moved in 2022–2023; $100,000 in FL ≈ $98,200 in GA
- [New Jersey to New York](https://relocatemath.com/move/new-jersey-to-new-york/): 26,793 households moved in 2022–2023; $100,000 in NJ ≈ $99,800 in NY
- [California to Nevada](https://relocatemath.com/move/california-to-nevada/): 26,210 households moved in 2022–2023; $100,000 in CA ≈ $81,000 in NV
- [Texas to California](https://relocatemath.com/move/texas-to-california/): 24,970 households moved in 2022–2023; $100,000 in TX ≈ $129,500 in CA
- [California to Washington](https://relocatemath.com/move/california-to-washington/): 24,625 households moved in 2022–2023; $100,000 in CA ≈ $89,300 in WA
- [Florida to Texas](https://relocatemath.com/move/florida-to-texas/): 24,196 households moved in 2022–2023; $100,000 in FL ≈ $93,100 in TX
- [Georgia to Florida](https://relocatemath.com/move/georgia-to-florida/): 23,475 households moved in 2022–2023; $100,000 in GA ≈ $101,800 in FL
- [Florida to New York](https://relocatemath.com/move/florida-to-new-york/): 22,011 households moved in 2022–2023; $100,000 in FL ≈ $113,600 in NY
- [New York to Pennsylvania](https://relocatemath.com/move/new-york-to-pennsylvania/): 20,643 households moved in 2022–2023; $100,000 in NY ≈ $86,300 in PA
- [California to New York](https://relocatemath.com/move/california-to-new-york/): 20,595 households moved in 2022–2023; $100,000 in CA ≈ $95,500 in NY
- [Florida to North Carolina](https://relocatemath.com/move/florida-to-north-carolina/): 20,553 households moved in 2022–2023; $100,000 in FL ≈ $94,700 in NC
- [California to Florida](https://relocatemath.com/move/california-to-florida/): 20,241 households moved in 2022–2023; $100,000 in CA ≈ $84,100 in FL
- [New Jersey to Florida](https://relocatemath.com/move/new-jersey-to-florida/): 20,113 households moved in 2022–2023; $100,000 in NJ ≈ $87,900 in FL
- [Texas to Florida](https://relocatemath.com/move/texas-to-florida/): 20,050 households moved in 2022–2023; $100,000 in TX ≈ $107,300 in FL
- [New Jersey to Pennsylvania](https://relocatemath.com/move/new-jersey-to-pennsylvania/): 18,767 households moved in 2022–2023; $100,000 in NJ ≈ $86,200 in PA
- [New York to California](https://relocatemath.com/move/new-york-to-california/): 18,440 households moved in 2022–2023; $100,000 in NY ≈ $105,000 in CA
- [North Carolina to South Carolina](https://relocatemath.com/move/north-carolina-to-south-carolina/): 18,026 households moved in 2022–2023; $100,000 in NC ≈ $100,400 in SC
- [Washington to California](https://relocatemath.com/move/washington-to-california/): 17,871 households moved in 2022–2023; $100,000 in WA ≈ $112,800 in CA
- [California to Oregon](https://relocatemath.com/move/california-to-oregon/): 16,765 households moved in 2022–2023; $100,000 in CA ≈ $94,600 in OR
- [Pennsylvania to Florida](https://relocatemath.com/move/pennsylvania-to-florida/): 16,395 households moved in 2022–2023; $100,000 in PA ≈ $102,000 in FL
- [Arizona to California](https://relocatemath.com/move/arizona-to-california/): 16,283 households moved in 2022–2023; $100,000 in AZ ≈ $119,900 in CA

## Most common city-to-city moves
- [Los Angeles, CA to Riverside, CA](https://relocatemath.com/cities/los-angeles-ca-to-riverside-ca/): 41,500 households moved in 2022–2023; $100,000 in Los Angeles ≈ $92,300 in Riverside
- [Riverside, CA to Los Angeles, CA](https://relocatemath.com/cities/riverside-ca-to-los-angeles-ca/): 26,275 households moved in 2022–2023; $100,000 in Riverside ≈ $108,200 in Los Angeles
- [New York, NY to Miami, FL](https://relocatemath.com/cities/new-york-ny-to-miami-fl/): 17,217 households moved in 2022–2023; $100,000 in New York ≈ $89,000 in Miami
- [New York, NY to Philadelphia, PA](https://relocatemath.com/cities/new-york-ny-to-philadelphia-pa/): 17,010 households moved in 2022–2023; $100,000 in New York ≈ $87,200 in Philadelphia
- [San Jose, CA to San Francisco, CA](https://relocatemath.com/cities/san-jose-ca-to-san-francisco-ca/): 15,641 households moved in 2022–2023; $100,000 in San Jose ≈ $105,700 in San Francisco
- [Washington, D.C. to Baltimore, MD](https://relocatemath.com/cities/washington-dc-to-baltimore-md/): 14,713 households moved in 2022–2023; $100,000 in Washington, D.C. ≈ $98,200 in Baltimore
- [Baltimore, MD to Washington, D.C.](https://relocatemath.com/cities/baltimore-md-to-washington-dc/): 12,103 households moved in 2022–2023; $100,000 in Baltimore ≈ $101,900 in Washington, D.C.
- [San Francisco, CA to San Jose, CA](https://relocatemath.com/cities/san-francisco-ca-to-san-jose-ca/): 11,758 households moved in 2022–2023; $100,000 in San Francisco ≈ $94,500 in San Jose
- [Philadelphia, PA to New York, NY](https://relocatemath.com/cities/philadelphia-pa-to-new-york-ny/): 10,894 households moved in 2022–2023; $100,000 in Philadelphia ≈ $114,800 in New York
- [Los Angeles, CA to San Diego, CA](https://relocatemath.com/cities/los-angeles-ca-to-san-diego-ca/): 10,455 households moved in 2022–2023; $100,000 in Los Angeles ≈ $98,200 in San Diego

## Cost of living in the 20 largest metro areas
Price level: BEA Regional Price Parities 2024. Rent and home values: Census ACS 2024 medians. "Salary to match $75,000": pay needed for the same after-tax buying power as $75,000 in an average-priced area with no state income tax (single filer).
- [New York, NY](https://relocatemath.com/cost-of-living/new-york-ny/): price level 112.6 (U.S. = 100); median rent $1,851/month; median home $648,800; salary to match $75,000 ≈ $98,200
- [Los Angeles, CA](https://relocatemath.com/cost-of-living/los-angeles-ca/): price level 113.6 (U.S. = 100); median rent $2,114/month; median home $908,500; salary to match $75,000 ≈ $95,200
- [Chicago, IL](https://relocatemath.com/cost-of-living/chicago-il/): price level 103.6 (U.S. = 100); median rent $1,469/month; median home $339,700; salary to match $75,000 ≈ $83,800
- [Dallas, TX](https://relocatemath.com/cost-of-living/dallas-tx/): price level 103.1 (U.S. = 100); median rent $1,718/month; median home $389,500; salary to match $75,000 ≈ $77,700
- [Houston, TX](https://relocatemath.com/cost-of-living/houston-tx/): price level 98.6 (U.S. = 100); median rent $1,469/month; median home $327,400; salary to match $75,000 ≈ $73,800
- [Miami, FL](https://relocatemath.com/cost-of-living/miami-fl/): price level 114.2 (U.S. = 100); median rent $2,083/month; median home $510,600; salary to match $75,000 ≈ $87,400
- [Washington, D.C.](https://relocatemath.com/cost-of-living/washington-dc/): price level 108.9 (U.S. = 100); median rent $2,037/month; median home $604,800; salary to match $75,000 ≈ $89,400
- [Atlanta, GA](https://relocatemath.com/cost-of-living/atlanta-ga/): price level 100.1 (U.S. = 100); median rent $1,770/month; median home $402,100; salary to match $75,000 ≈ $79,700
- [Philadelphia, PA](https://relocatemath.com/cost-of-living/philadelphia-pa/): price level 102.6 (U.S. = 100); median rent $1,567/month; median home $375,100; salary to match $75,000 ≈ $85,600
- [Phoenix, AZ](https://relocatemath.com/cost-of-living/phoenix-az/): price level 103.3 (U.S. = 100); median rent $1,819/month; median home $470,600; salary to match $75,000 ≈ $80,200
- [Boston, MA](https://relocatemath.com/cost-of-living/boston-ma/): price level 108.3 (U.S. = 100); median rent $2,093/month; median home $681,100; salary to match $75,000 ≈ $88,800
- [Riverside, CA](https://relocatemath.com/cost-of-living/riverside-ca/): price level 106.4 (U.S. = 100); median rent $2,006/month; median home $579,500; salary to match $75,000 ≈ $87,800
- [San Francisco, CA](https://relocatemath.com/cost-of-living/san-francisco-ca/): price level 115.6 (U.S. = 100); median rent $2,435/month; median home $1,132,900; salary to match $75,000 ≈ $97,300
- [Detroit, MI](https://relocatemath.com/cost-of-living/detroit-mi/): price level 100.3 (U.S. = 100); median rent $1,248/month; median home $271,600; salary to match $75,000 ≈ $82,700
- [Seattle, WA](https://relocatemath.com/cost-of-living/seattle-wa/): price level 111.1 (U.S. = 100); median rent $2,050/month; median home $743,000; salary to match $75,000 ≈ $86,400
- [Minneapolis, MN](https://relocatemath.com/cost-of-living/minneapolis-mn/): price level 104.8 (U.S. = 100); median rent $1,444/month; median home $384,300; salary to match $75,000 ≈ $85,900
- [Tampa, FL](https://relocatemath.com/cost-of-living/tampa-fl/): price level 100.9 (U.S. = 100); median rent $1,776/month; median home $387,400; salary to match $75,000 ≈ $75,800
- [San Diego, CA](https://relocatemath.com/cost-of-living/san-diego-ca/): price level 111.9 (U.S. = 100); median rent $2,336/month; median home $914,700; salary to match $75,000 ≈ $93,500
- [Denver, CO](https://relocatemath.com/cost-of-living/denver-co/): price level 105.8 (U.S. = 100); median rent $1,943/month; median home $631,000; salary to match $75,000 ≈ $84,900
- [Orlando, FL](https://relocatemath.com/cost-of-living/orlando-fl/): price level 101.4 (U.S. = 100); median rent $1,877/month; median home $409,400; salary to match $75,000 ≈ $76,200

## Live in one state, work in another
Routes inside the largest metro areas that cross a state line. Totals are for a single filer earning $100,000: state income tax, plus Indiana or Maryland county tax where it applies. City and other local income taxes are not included.
- [Live in New Jersey, work in New York](https://relocatemath.com/commute/live-in-new-jersey-work-in-new-york/) (New York area): about $4,860 in state income tax on $100,000; New York taxes the wages and New Jersey credits that tax
- [Live in Indiana, work in Illinois](https://relocatemath.com/commute/live-in-indiana-work-in-illinois/) (Chicago area): about $4,805 in state income tax on $100,000; Illinois taxes the wages and Indiana credits that tax
- [Live in Virginia, work in Washington, DC](https://relocatemath.com/commute/live-in-virginia-work-in-district-of-columbia/) (Washington, D.C. area): about $4,936 in state income tax on $100,000; DC doesn't tax nonresidents' wages, so only Virginia does
- [Live in New Jersey, work in Pennsylvania](https://relocatemath.com/commute/live-in-new-jersey-work-in-pennsylvania/) (Philadelphia area): about $4,180 in state income tax on $100,000; reciprocity: only New Jersey taxes the wages
- [Live in New Hampshire, work in Massachusetts](https://relocatemath.com/commute/live-in-new-hampshire-work-in-massachusetts/) (Boston area): about $4,780 in state income tax on $100,000; New Hampshire has no tax on wages; Massachusetts taxes them as a nonresident
- [Live in Wisconsin, work in Minnesota](https://relocatemath.com/commute/live-in-wisconsin-work-in-minnesota/) (Minneapolis area): about $5,277 in state income tax on $100,000; Minnesota taxes the wages and Wisconsin credits that tax
- [Live in South Carolina, work in North Carolina](https://relocatemath.com/commute/live-in-south-carolina-work-in-north-carolina/) (Charlotte area): about $4,244 in state income tax on $100,000; North Carolina taxes the wages and South Carolina credits that tax
- [Live in Illinois, work in Missouri](https://relocatemath.com/commute/live-in-illinois-work-in-missouri/) (St. Louis area): about $4,805 in state income tax on $100,000; Missouri taxes the wages and Illinois credits that tax
- [Live in Washington, work in Oregon](https://relocatemath.com/commute/live-in-washington-work-in-oregon/) (Portland area): about $7,148 in state income tax on $100,000; Washington has no tax on wages; Oregon taxes them as a nonresident
- [Live in Kentucky, work in Ohio](https://relocatemath.com/commute/live-in-kentucky-work-in-ohio/) (Cincinnati area): about $3,382 in state income tax on $100,000; reciprocity: only Kentucky taxes the wages

## Retirement: states that don't tax Social Security (2026)
- Not taxed in 42 states and DC: [Alabama](https://relocatemath.com/retire/alabama/), [Alaska](https://relocatemath.com/retire/alaska/), [Arizona](https://relocatemath.com/retire/arizona/), [Arkansas](https://relocatemath.com/retire/arkansas/), [California](https://relocatemath.com/retire/california/), [Delaware](https://relocatemath.com/retire/delaware/), [Washington, DC](https://relocatemath.com/retire/district-of-columbia/), [Florida](https://relocatemath.com/retire/florida/), [Georgia](https://relocatemath.com/retire/georgia/), [Hawaii](https://relocatemath.com/retire/hawaii/), [Idaho](https://relocatemath.com/retire/idaho/), [Illinois](https://relocatemath.com/retire/illinois/), [Indiana](https://relocatemath.com/retire/indiana/), [Iowa](https://relocatemath.com/retire/iowa/), [Kansas](https://relocatemath.com/retire/kansas/), [Kentucky](https://relocatemath.com/retire/kentucky/), [Louisiana](https://relocatemath.com/retire/louisiana/), [Maine](https://relocatemath.com/retire/maine/), [Maryland](https://relocatemath.com/retire/maryland/), [Massachusetts](https://relocatemath.com/retire/massachusetts/), [Michigan](https://relocatemath.com/retire/michigan/), [Mississippi](https://relocatemath.com/retire/mississippi/), [Missouri](https://relocatemath.com/retire/missouri/), [Nebraska](https://relocatemath.com/retire/nebraska/), [Nevada](https://relocatemath.com/retire/nevada/), [New Hampshire](https://relocatemath.com/retire/new-hampshire/), [New Jersey](https://relocatemath.com/retire/new-jersey/), [New York](https://relocatemath.com/retire/new-york/), [North Carolina](https://relocatemath.com/retire/north-carolina/), [North Dakota](https://relocatemath.com/retire/north-dakota/), [Ohio](https://relocatemath.com/retire/ohio/), [Oklahoma](https://relocatemath.com/retire/oklahoma/), [Oregon](https://relocatemath.com/retire/oregon/), [Pennsylvania](https://relocatemath.com/retire/pennsylvania/), [South Carolina](https://relocatemath.com/retire/south-carolina/), [South Dakota](https://relocatemath.com/retire/south-dakota/), [Tennessee](https://relocatemath.com/retire/tennessee/), [Texas](https://relocatemath.com/retire/texas/), [Virginia](https://relocatemath.com/retire/virginia/), [Washington](https://relocatemath.com/retire/washington/), [West Virginia](https://relocatemath.com/retire/west-virginia/), [Wisconsin](https://relocatemath.com/retire/wisconsin/), [Wyoming](https://relocatemath.com/retire/wyoming/)
- Taxed for some retirees in 8 states (most exempt benefits below an income limit or for older retirees): [Colorado](https://relocatemath.com/retire/colorado/), [Connecticut](https://relocatemath.com/retire/connecticut/), [Minnesota](https://relocatemath.com/retire/minnesota/), [Montana](https://relocatemath.com/retire/montana/), [New Mexico](https://relocatemath.com/retire/new-mexico/), [Rhode Island](https://relocatemath.com/retire/rhode-island/), [Utah](https://relocatemath.com/retire/utah/), [Vermont](https://relocatemath.com/retire/vermont/)
- Each state page also covers pensions and 401(k)/IRA withdrawals.

## U.S. territories (not in the calculators)
The calculators cover the 50 states and DC: BEA price levels don't cover the territories, and the IRS state-to-state migration files group moves to them with moves abroad. These pages give the official facts instead.
- [Moving to a U.S. territory](https://relocatemath.com/territories/): Puerto Rico, Guam, the U.S. Virgin Islands, the Northern Mariana Islands and American Samoa. Bona fide residence (183-day presence test, Form 8898 above $75,000 of income), who each territory's residents file income tax with (IRS Pub. 570), SSI (paid only in the Northern Mariana Islands), Medicare, no presidential vote (except absentee in a former state for Northern Mariana Islands residents, under UOCAVA), driving on a state license, published car-shipping rates and FEMA disaster declarations
- [Moving to Puerto Rico](https://relocatemath.com/territories/puerto-rico/): IRC §933, Puerto Rico income tax (0% to 33%), sales tax 11.5%, Act 60 resident investor rates (0% for decrees applied for by December 31, 2026; 4% from January 1, 2027), the car excise tax; median rent $580 a month (Census ACS 2024)

## Guides
- [How to Figure Out the Salary You Need When Moving to Another State](https://relocatemath.com/guides/salary-needed-when-moving/): A step-by-step method to compare a job offer in another state: taxes, price levels, rent and one-time moving costs, with a worked example.
- [States With No Income Tax in 2026: What You Really Save](https://relocatemath.com/guides/states-with-no-income-tax/): The nine states without a tax on wages, how much you keep at different salaries, and the property, sales and housing costs that offset the savings.
- [Moving Out of State Checklist: A Week-by-Week Plan](https://relocatemath.com/guides/moving-out-of-state-checklist/): Everything to do before, during and after an interstate move: budgeting, movers, utilities, driver license, vehicle registration, voting and taxes.
- [Taxes the Year You Move to a New State: Part-Year Residency Explained](https://relocatemath.com/guides/taxes-the-year-you-move/): How states tax you in the year you move, part-year resident returns, credits for taxes paid to another state, and records to keep.
- [Should You Rent or Buy After Moving to a New State?](https://relocatemath.com/guides/rent-or-buy-after-moving/): Why renting first is often smarter after a long-distance move, the 30% rent and 28/36 mortgage rules, and how to compare the two.
- [How to Cut the Cost of a Long-Distance Move](https://relocatemath.com/guides/cut-moving-costs/): Truck vs container vs full-service movers, what drives the price, when to move, and whether any moving expenses are tax deductible.
- [Moving With Pets Across the Country: A Practical Guide](https://relocatemath.com/guides/moving-with-pets-across-country/): How to move dogs and cats to another state: vet records, state entry rules, driving vs flying, hotels, and settling in.
- [Shipping a Car to Another State: Costs, Timing and Tips](https://relocatemath.com/guides/shipping-a-car-to-another-state/): Open vs enclosed carriers, what drives the price, how long it takes, how to prepare your car, and when driving is cheaper.
- [Moving Container Costs: Are PODS-Style Moves Worth It?](https://relocatemath.com/guides/moving-container-cost/): How portable moving containers work, what they cost by distance and home size, and how they compare with trucks and full-service movers.
- [How to Check Natural Disaster Risk Before You Move](https://relocatemath.com/guides/natural-disaster-risk-when-moving/): Use FEMA data to compare hurricane, flood, wildfire and tornado risk, and why risk now shows up in your insurance bill.
- [How to Choose a City to Move To: A Data-First Checklist](https://relocatemath.com/guides/choosing-a-city-to-move-to/): Compare cities on real take-home pay, housing, taxes, risk and where people are actually moving, before you visit.

## Reference
- [All states ranked](https://relocatemath.com/states/)
- [Cheapest states to live](https://relocatemath.com/cheapest-states-to-live/): for renters, homeowners and retirees
- [Best states to retire](https://relocatemath.com/best-states-to-retire/): scored on state tax, living costs, health premiums before Medicare and FEMA disaster risk
- [New resident deadlines](https://relocatemath.com/new-resident/)
- [Guides](https://relocatemath.com/guides/)
- [Methodology](https://relocatemath.com/methodology/) · [Editorial policy](https://relocatemath.com/editorial-policy/)

Contact: hello@relocatemath.com