Compare taxes and see how much you save moving from New Jersey to Delaware
The border escape to corporate haven. Delaware's 6.6% rate and NO SALES TAX (one of 5 states) undercuts New Jersey's 10.75% and crushing property taxes (1.89%, highest nationally). At $100,000: New Jersey $8,688 vs Delaware $5,765—save $2,923/year. Add property tax: NJ pays $7,560/year on $400K home (1.89%) vs DE $2,240 (0.56%)—save another $5,320/year. Total savings $8,243 annually. Wilmington is 30 minutes from South Jersey. Trade-off: Delaware is small (1M population), limited urban amenities, but excellent for remote workers and retirees.
High Tax State
7 brackets up to 10.75%
Moderate Tax
6 brackets up to 6.6%
At $100,000 income:
That is $244/month back in your pocket!
| Income | NJ Tax | DE Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $2,525 | $2,860 | NJ saves $335 | $3,350 |
| $75,000 | $4,563 | $4,510 | NJ saves $53 | $530 |
| $100,000 | $8,688 | $5,765 | DE saves $2,923 | $29,230 |
| $150,000 | $11,738 | $9,065 | DE saves $2,673 | $26,730 |
| $250,000 | $22,238 | $15,665 | DE saves $6,573 | $65,730 |
| $500,000 | $49,113 | $32,165 | DE saves $16,948 | $169,480 |
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Moving from New Jersey to Delaware? Multi-state returns are tricky—partial-year residency, different deadlines, avoiding double taxation. Get matched with a CPA who specializes in state moves. Virtual meetings, fixed pricing.
Get Matched With a CPA →Income tax at $100K: save $2,923/year (NJ $8,688 → DE $5,765). Property tax is the game-changer: NJ $7,560/year on $400K home (1.89%) vs DE $2,240 (0.56%)—save $5,320/year. Sales tax: NJ 6.625% on $40K spending = $2,650, DE $0 (NO SALES TAX)—save $2,650/year. Total: save $10,893/year at $100K income + $400K home + $40K spending. Over 10 years: $108,930. Delaware wins decisively.
Wilmington for jobs/proximity: 30 minutes from South Jersey, 2 hours from NYC/Philly. Corporate jobs (DuPont, JP Morgan Chase, AstraZeneca, Bank of America—67% Fortune 500 incorporated in DE). Median home $340K (vs NJ suburbs $500K-650K). Population 70K (small, but has city amenities). Dover for affordability: State capital, median home $285K, government jobs, quieter. Delaware beaches (Rehoboth, Lewes) 1-2 hours away—closer/cheaper than NJ shore. Choose Wilmington if working/commuting, Dover for retirement/remote work.
Delaware is one of only 5 states with NO SALES TAX (AK, DE, MT, NH, OR). The state relies on income tax (6.6%, $1.6B annually) + massive corporate franchise tax revenue ($1.4B from 1.6M corporations registered, including 67% of Fortune 500). At $100K income + $40K spending: DE pays $5,765 income + $0 sales = $5,765 total. NJ: $8,688 income + $2,650 sales (6.625%) = $11,338 total. DE saves $5,573/year. NO SALES TAX offsets Delaware's 6.6% income tax completely.
Yes, but watch tax implications. If you live in DE and work in NJ, you pay NJ tax on NJ-sourced income, then get credit against DE tax. Net: you pay higher of NJ (10.75%) or DE (6.6%) = NJ wins (10.75%). So commuting doesn't save income tax. Better: work remotely from DE for NJ employer (pay only DE 6.6%). Or find DE job (DuPont, JPM, pharma in Wilmington). Property tax savings alone justify move: NJ $7,560/year vs DE $2,240 on $400K home = save $5,320 annually.
Delaware is EXCELLENT for retirees. Social Security FULLY EXEMPT for age 60+ (no income threshold—all SS tax-free). Pension income FULLY EXEMPT up to $12,500/year if age 60+ (amounts above $12,500 taxed at 6.6%). Example: At $80K retirement ($25K SS + $55K pension), age 65: DE taxes $0 SS (exempt) + $42,500 pension ($55K - $12,500 exemption) at 6.6% = $2,805 tax (3.5% effective). Compare NJ $4,500. Save $1,695/year + NO SALES TAX saves retirees $1,500+/year. Delaware is top-15 retiree tax-friendliness.