Compare taxes and see how much you save moving from New York to Texas
The ultimate high-tax vs no-tax comparison. NYC residents face 12.7% combined income tax (10.9% state + 3.876% city), while Texas charges 0% (constitutionally prohibited since 1993). A $100,000 NYC earner pays ~$9,500 in state/city taxes vs $0 in Texas. The catch: Texas property taxes are 1.6% (among highest in US) vs NY 1.73%. Remote workers keeping NYC salaries while living in Austin or Dallas see the biggest gains.
High Tax State
Progressive + NYC tax
No Income Tax
Constitutionally prohibited
At $100,000 income:
That is $792/month back in your pocket!
| Income | NY Tax | TX Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $2,850 (NY state only) | $0 | TX saves $2,850 | $28,500 |
| $75,000 | $4,600 (NY state only) | $0 | TX saves $4,600 | $46,000 |
| $100,000 | $6,500 (NY state only) | $0 | TX saves $6,500 | $65,000 |
| $100,000 (NYC) | $9,500 (state + city) | $0 | TX saves $9,500 | $95,000 |
| $150,000 (NYC) | $14,300 (state + city) | $0 | TX saves $14,300 | $143,000 |
| $250,000 (NYC) | $26,500 (state + city) | $0 | TX saves $26,500 | $265,000 |
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Moving from New York to Texas? 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 →A $100,000 NYC earner saves approximately $9,500/year (10.9% state + 3.876% city tax eliminated). Over 10 years: $95,000. However, factor in Texas's higher property taxes (1.6% vs NYC's effective ~1.73%) and mandatory car costs ($800+/month) if moving from car-free NYC. Net savings are still substantial for most income levels.
Significantly. Upstate NY (Albany, Buffalo, Rochester) has no city income tax—only the state's 6.85%-10.9% rates apply. A $100,000 earner pays ~$6,500 upstate vs ~$9,500 in NYC. The Texas advantage shrinks from $9,500 to $6,500 annually. Upstate housing is also much cheaper than NYC, narrowing the overall cost-of-living gap with Texas.
Texas has some of the highest property taxes in the nation (1.6% average), while New York averages 1.73%. On a $400,000 home: Texas = $6,400/year, New York = $6,920/year. The difference is minimal, but Texas has no income tax to offset property tax costs. For homeowners, the income tax savings still outweigh higher property taxes in most scenarios.
Austin is the most popular choice—it has the strongest tech scene, youngest population, and most 'coastal' vibe. Dallas offers a stronger job market in finance and corporate headquarters. Houston has the lowest cost of living and strongest energy sector jobs. San Antonio is most affordable but has the smallest job market. Most NYC transplants choose Austin or Dallas.
New York aggressively audits claimed Texas residents, especially high earners. They count days in each state, examine where your doctors/accountants are, and review credit card transactions. You need to prove Texas is your true domicile—get a TX driver's license, register to vote in TX, change your banks to TX addresses. Maintain minimal NY ties or face audits and back taxes.