The coastal charm trade. South Carolina's 6.4% rate (moving to flat tax by 2027) dramatically undercuts California's 13.3%. At $100,000: California $5,762 vs South Carolina $4,000—save $1,762/year. Charleston repeatedly voted #1 US city combines Southern charm, beaches, and foodie scene with dramatically lower costs than California coastal cities. SC offers $10,000 retirement income deduction and exempts Social Security. Trade-off: lower salaries (SC median $62K vs CA $91K), hurricane risk, and humid summers.

By CountryTaxCalc Research Team

Last Updated: April 2026

The Big Picture

🌴 California

13.3%

Highest Income Tax

10 brackets up to 13.3%

🌙 South Carolina

6.4%

Moderate Tax

Moving to flat 6.4% by 2027

Typical Annual Savings

At $100,000 income:

$1,762

That is $147/month back in your pocket!

Tax Savings by Income Level

IncomeCA TaxSC TaxSavings10-Year
$50,000 $2,172$1,800SC saves $372$3,720
$75,000 $3,765$2,900SC saves $865$8,650
$100,000 $5,762$4,000SC saves $1,762$17,620
$150,000 $10,438$7,200SC saves $3,238$32,380
$250,000 $20,663$13,600SC saves $7,063$70,630
$500,000 $50,413$29,600SC saves $20,813$208,130

California Pros and Cons

✅ Pros

  • Massive tech job market and highest median salaries
  • Year-round mild weather (coastal CA)
  • World-class universities and innovation ecosystem
  • Cultural diversity and international food scene

❌ Cons

  • 13.3% top rate—highest in nation
  • Housing crisis: Bay Area $1.3M, LA $780K, San Diego $890K
  • Traffic and infrastructure strain
  • Wildfire smoke season increasingly severe

South Carolina Pros and Cons

✅ Pros

  • 6.4% rate moving to flat—half of CA's 13.3%
  • Charleston voted #1 US city (foodie scene, charm, history)
  • $10,000 retirement income deduction + Social Security exempt
  • Beaches and Southern lifestyle at fraction of CA cost

❌ Cons

  • Lower salaries: SC median $62K vs CA $91K (32% less)
  • Hurricane risk (major storms every 10-15 years)
  • Humid summers (heat index 100°F+)
  • Smaller tech job market than CA metros
💡

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Frequently Asked Questions

Q: How much will I save moving from California to South Carolina?

At $100,000 income: save $1,762/year (CA $5,762 → SC $4,000). Over 10 years: $17,620. Housing is where massive savings occur: Charleston $550K median vs Bay Area $1.3M, LA $780K, San Diego $890K—save $230K-$750K on home purchase. Greenville (inland, tech growing) $350K median. Combined with lower cost of living (15-20% cheaper overall), save $200K-400K over 5 years at $150K salary.

Q: Is Charleston or Greenville better for California refugees?

Charleston for coastal lifestyle: Historic charm, beaches, voted #1 US city, foodie scene. Median home $550K (expensive for SC, cheap for CA refugees). High tourism industry jobs, Boeing manufacturing. Hurricane risk (flood insurance $1,000-3,000/year). Greenville for tech jobs/affordability: Inland (no hurricanes), growing tech scene (BMW, Michelin, tech startups), $350K median home. Better value. Columbia (capital): Most affordable ($275K median), state government jobs, University of SC, but less appealing than Charleston/Greenville.

Q: Is South Carolina good for retirees from California?

Excellent for retirees. South Carolina offers: (1) $10,000 retirement income deduction, (2) Social Security 100% exempt, (3) Military retirement exempt. A CA retiree with $80K income ($40K pension + $40K Social Security) pays ~$0 SC tax on Social Security and ~$1,920 on pension (after $10K deduction). In California: ~$4,500. Save $2,580/year. Charleston repeatedly voted top US retirement destination. Warning: Hurricane risk means higher insurance costs coastal areas.

Q: Can I work remotely from South Carolina for a California employer?

Yes, if you establish genuine SC residency (SC driver's license, voter registration, spend majority of time in SC). You'll pay SC taxes (6.4%) instead of CA (13.3%). At $150K: save $3,238/year. California Franchise Tax Board may audit former residents—keep records (lease/mortgage, utility bills, credit card statements in SC). Combine SC 6.4% tax + CA salary ($100-200K) + SC housing ($350-550K) = save $300K+ over 5 years vs staying in CA.

Q: What about hurricanes in South Carolina?

Real risk. Charleston floods regularly; major hurricanes hit every 10-15 years. Home insurance $2,000-5,000/year coastal (higher than CA). Flood insurance $1,000-3,000/year extra. Evacuation logistics difficult (Charleston peninsula has limited exits). If buying coastal, factor $3,000-8,000 annual insurance premium. Inland areas (Greenville, Columbia) have minimal hurricane risk—tropical storm remnants only. For CA refugees concerned about natural disasters (vs earthquakes), inland SC is safer choice.

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