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Take-Home Pay by State
The same salary in all 50 states and DC, ranked by what you keep after taxes.
Life event · Moving
Moving to Another State: Money Checklist
Before and after a move across state lines: pay, taxes, housing and the paperwork that makes the move official. Enter your salary and both states once.
The checklist: 10 steps
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State income tax ranges from none to over 10%, and some states add payroll taxes for disability or family leave. See the same salary across all 50 states and DC.
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A raise can disappear in a more expensive area. Compare what the same salary buys in each area.
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Look beyond the top rate: deductions, credits, retirement income and local taxes differ a lot.
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Employer-paid moving costs are taxable wages for most employees (only active-duty military moves are excluded; IRS), so a lump sum can shrink a lot after withholding.
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Give your employer your new address and any state withholding form on day one; otherwise the old state may keep withholding. If you live in one state and work in another, check whether the two have a reciprocal agreement.
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For the year you move, you usually file a part-year resident return in each state (only states with an income tax need one), splitting income by when you lived there. Keep proof of your move date.
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Rent there may be very different. Work out what fits your income before you sign a lease.
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Employer plans may have a different network in your new state. If you buy your own insurance, moving to a new area usually gives you 60 days to change marketplace plans, as long as you had coverage before the move (HealthCare.gov).
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Up to $250,000 of gain ($500,000 married filing jointly) is tax-free if you owned and lived in the home for two of the last five years (IRS). If you move for a new job at least 50 miles farther from your old home than your old job was, you may get a partial exclusion even sooner (IRS Publication 523).
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New driver's license, car registration, voter registration and address changes with the IRS (Form 8822), banks and your 401(k). Moving from a state with income tax? Clear ties help show you've really left.
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Common questions
Do I pay income tax to both states in the year I move?
Usually each state taxes the income you earned while you lived there, through part-year resident returns. Some income, like wages earned in one state while living in another, can be taxed by both, with a credit to avoid double tax.
When should I change my W-4 or state withholding?
Your federal W-4 doesn't change with a move, but give payroll the new state's withholding form as soon as your address changes.
Sources
- Special Enrollment Period — HealthCare.gov. Accessed October 19, 2026.
- Topic no. 701, Sale of your home — Internal Revenue Service. Accessed October 19, 2026.
- Publication 523: Selling Your Home — Internal Revenue Service. Accessed October 19, 2026.
- Topic no. 455, Moving expenses for members of the Armed Forces — Internal Revenue Service. Accessed October 19, 2026.
- About Form 8822, Change of Address — Internal Revenue Service. Accessed October 19, 2026.
Research checked October 19, 2026. General information, not tax, legal or financial advice.