Compare taxes and see how much you save moving from North Carolina to Texas
Two of America's fastest-growing tech states compared. North Carolina's aggressive tax cuts (7.75% to 4.5% flat) compete with Texas's 0% income tax. At $100,000: NC $4,500 vs Texas $0. The catch: Texas property taxes (1.6%) are double North Carolina's (0.77%). For renters and high earners, Texas wins; homeowners with moderate incomes see smaller net savings. Both states are top destinations for California tech exodus.
Low Flat Tax
Cut from 7.75% since 2013
No Income Tax
Constitutionally prohibited
At $100,000 income:
That is $375/month back in your pocket!
| Income | NC Tax | TX Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $2,250 | $0 | TX saves $2,250 | $22,500 |
| $75,000 | $3,375 | $0 | TX saves $3,375 | $33,750 |
| $100,000 | $4,500 | $0 | TX saves $4,500 | $45,000 |
| $150,000 | $6,750 | $0 | TX saves $6,750 | $67,500 |
| $200,000 | $9,000 | $0 | TX saves $9,000 | $90,000 |
| $300,000 | $13,500 | $0 | TX saves $13,500 | $135,000 |
CountryTaxCalc.com is reader-supported. When you use our partner links, we may earn a commission at no cost to you. This helps us provide free tax calculators and comparison tools. Learn more about our affiliate partnerships
Moving from North Carolina 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 →At $100,000 income: save $4,500/year in income tax. However, Texas property taxes are double (1.6% vs 0.77%). On a $400K home: TX = $6,400/year, NC = $3,080/year—a $3,320 difference. Net savings at $100K with $400K home: only $1,180/year. Higher earners with cheaper homes see bigger net gains.
Austin has more VC funding, more startups, and Tesla/Meta/Google HQs. Research Triangle has Apple's $1B campus, strong biotech, and pharma (GSK, Biogen). Austin is better for startups and pure tech; Research Triangle is better for hardware, biotech, and corporate stability. Salaries are similar; cost of living is slightly lower in Raleigh.
It depends on your situation. A $100K earner renting an apartment: Texas wins by $4,500/year. A $100K earner with a $500K home: Texas wins by ~$800/year (income savings minus property tax difference). A $75K earner with a $400K home: North Carolina may actually be cheaper due to property tax savings exceeding income tax.
NC slashed its top rate from 7.75% (2013) to 4.5% (2026), with plans to hit 3.49% by 2027. This makes NC increasingly competitive. At 3.49%, a $100K earner would pay only $3,490 in NC—still more than TX ($0), but the gap is narrowing. NC's property tax advantage (0.77% vs 1.6%) helps close the total tax gap.
Charlotte is the #2 banking center (Bank of America HQ, Wells Fargo hub, Truist). Dallas has broader corporate presence (AT&T, American Airlines) but finance is more concentrated in Charlotte. For pure banking careers, Charlotte rivals NYC; for corporate finance diversity, Dallas has more options. Both have 0% (TX) or low (NC 4.5%) income tax.