Which City is Best for You?

Find up to five metro areas in the United States that might best suit your profession, lifestyle and pocketbook. Be sure to answer all eight questions. The final result shows your top city, additional well-matched metro areas and clickable maps to find out more about your best cities.

Kiplinger.com developed this questionaire and these top cities in partnership with Kevin Stolarick, research director of the Martin Prosperity Institute, a think tank that studies economic prosperity.

Discuss

Reader Comments (223)

Posted by: ANNIE at 08/20/2009 08:42:21 PM

I LIVE IN ILLINOIS AND GET A PENSION FROM THE STATE OF IOWA WHICH IS NOT TAXED...ILLINOIS DOES NOT TAX PENTIONS OR S.S.

Posted by: Vin Capasso at 08/21/2009 08:56:11 AM

...you are...excluding NH and TN from the states with no income tax, just because these 2 states tax high dividend and interest earners still does not qaulify them as having an income tax. You also (aren't) showing an overall tax burden and cost of living; in that case NH (for example) would be a very attractive state.

Posted by: Joy at 08/21/2009 09:19:31 AM

Indiana does impose estate taxes that are high compared to other states and usually require an attorney to file which costs more. They don't like to release assets until they have their tax in hand. I would recommend retiring elsewhere if you have over 100,000 in the bank. It is a graduated system.

Posted by: Rocky at 08/21/2009 09:45:00 AM

California property taxes can be substantially higher than 1% of assessed value. The big culprits are school district parcel taxes and debt service on bond issues. They can easily add $500 or $1,000 to an annual property tax bill. In some cases, taxpayers over 65 can file for an exemption from one or more of the parcel taxes if they are owner occupants. California taxpayers will be saddled with the high costs of public employee pensions. If you are not currently a resident, don't come.

Posted by: VM - IN CT at 08/21/2009 12:17:56 PM

Close to retirement resident of CT. Your phrase "tax nightmare" is right on the mark. We already have retirement plans to move.

Posted by: FloridaResident at 08/21/2009 02:08:29 PM

If you have property in a state with estate tax where you are not a resident,(you might) put it in an LLC to change the character of the property to untaxable for estate tax. May be difficult in the state of tax Dracula (NY)

Posted by: ExCalifornian at 08/21/2009 02:10:41 PM

If you unresident yourself from California don't give them any excuses to keep taxing you. Close all accounts, relationships, property and keep out of the state as much as possible. They are famously aggressive, like NY.

Posted by: Kengsr at 08/21/2009 02:26:21 PM

I can not imagine a lower tax burden than retiring here in rural NH. Cost of heating is perhaps or biggest concern here in the snow belt. Our property taxes are not high since vacation homes of Mass residents add significantly to tax base. All you need to do is pick a low tax town.

Posted by: NormoftheNorth at 08/21/2009 05:41:12 PM

This webpage does not do justice to just how low the taxes are here in Alaska. For instance, it does not state that there are huge areas of rural Alaska that do not have ANY property taxes on real estate. You could have a beautiful retirement home on Prince William Sound and pay zip in property taxes on it. Also, not only does Alaska not have any income tax, but the state pays every man woman and child free money every year (the Permanent Fund Dividend). Last year it was $3000 EACH. Finally, shopping in Anchorage is a dream.....there are no taxes whatsoever on sales here. Buy a car for the actual price listed on the sticker, and save thousands in sales taxes. What a concept. BTW, don't share this information with anyone else; it's secret.

Posted by: Calif_Refuge at 08/21/2009 06:43:38 PM

Goodbye Calif. Not one more dollar from this high income retiree. I won't even come back to visit.

Posted by: Jeanne Williams at 08/22/2009 03:46:07 PM

How about any information on best towns to both retire & start a young family ( preferable in the West. One daughter in Seattle, one son in Western AZ, and one daughter with three little ones trying to get out of California with little money.

Posted by: CNMI Resident at 08/23/2009 03:18:14 AM

There are other "states" in the U.S. to retire to besides the 50 states. There are U.S. Territories in the Carribean and Pacific. Puerto Rico, U.S. Virgin Islands, Guam, American Samoa, and Commonwealth of Northern Mariana Islands. I know our income taxes in CNMI are much lower (no federal income tax), no property or sales tax either. No heating bills, but electricity (for air conditioning) is very high. Health care not so good though.

Posted by: petey at 08/23/2009 08:47:04 AM

Not sure where they got there info for state income tax but I live in Tennessee and we dont have one.

Posted by: john lagace at 08/23/2009 09:10:26 AM

How can anyone live in the northeastern states or california? Seems the most liberal states have ridiculous taxation and nothing beneficial to show for it. Texas has low taxation, maximum freedom, more arts and culture than all but NYC and it's affordable. Come on down, but you have to vote conservative or we shoot you.

Posted by: Mass. Retiree at 08/23/2009 12:21:09 PM

Correction: Mass. sales tax went up Aug. 1, not 2010. No complaints here. Don't forget, our taxes provide for services the private sector doesn't. Waste and inefficiency? No worse than in the private sector. Oops, are my political views showing?

Posted by: vertiz at 08/24/2009 07:37:27 PM

[Mass. Retiree: Waste and inefficiency? No worse than in the private sector.] I don't know of many businesses that can run a $1.4 billion deficit and stay in business; that level of ineptness is reserved for governments. ...Excepting, of course, businesses propped up by governments because they're "too big to fail". [Mass. Retiree: Oops, are my political views showing?] Indeed. It takes a very special ideology to overlook "inconvenient truths" like fiscal insolvency.

Posted by: Frosty Autumn at 08/27/2009 12:17:11 PM

For john lagace - I lived in Houston, would not go back for any amount of money. While there is no state income tax, real estate taxes were higher than what I paid in NY for half the land. My insurance premiums, especially for automobile, more than doubled when I moved to Texas. And I lost personal freedoms - the freedom to enjoy a meal without smoke in my face, the freedom to enjoy my home and property without the threat of a neighbor's stray bullet or exploding firework piercing my window, the freedom to read about news other than in Texas without a special subscription.

Posted by: frankania at 09/01/2009 12:51:15 PM

What about central high-altitude Mexico? Why stay in the USA when you can have a perfect climate, low living cost (maid and gardener), and a weak...govt. who doesn't intrude in your life?

Posted by: paradiselost at 09/03/2009 06:37:03 AM

As a native Floridian I have seen a marked increase in taxes lately. This state has been invaded by the NY crowd and their high tax ideas. I would recommend a second thought before locating here. The hidden fees will destroy wealth and the big brother attitude is growing. Time to live on a boat and only come ashore for short stays.

Posted by: rick at 09/03/2009 08:03:14 AM

SOUTH CAROLINA get rid of your personal property taxes on vechicles and real estate it is holding this state back from being affordable place to retire .

Posted by: old geezer at 09/03/2009 08:29:54 AM

THE NUMBERS FOR NORTH CAROLINA ARE MISLEADING. THE SALES TAX JUST WENT UP 1 PERCENT AND THE INCOME TAX RATE JUST INCREASED AS DID THE GASOLINE TAX, TOBACCO AND ALCOHOL. NC NOW ENJOYS A PLACE NEXT TO CALIFORNIA WITH SOME OF THE HIGHEST TAXES IN THE NATION.

Posted by: Lisa in Tennessee at 09/03/2009 08:30:51 AM

Tennessee doesn't have any income tax. You left that one off your list. Editor's Note: Tennessee doesn't have an state tax on most income, but it does tax interest and dividends. Hope this helps.

Posted by: dxbl at 09/03/2009 08:42:24 AM

Franfania: Like your Mexico idea. Would you be more specific on location/cities?

Posted by: El-MA at 09/03/2009 08:55:10 AM

MA retirees who retire from a government job (state, fed, local - including teachers) have their social security cut (Government Pension Offset. Lucky us we're one of 7 states that do this. If you are receiving a small pension and have your SS cut it's really difficult to make ends meet.

Posted by: george roberts at 09/03/2009 09:03:42 AM

Actually most large companies run huge deficits - think bond issues...essentially IOU's.

Posted by: houstonian at 09/03/2009 09:25:34 AM

Frosty Autumn - where the hell did you live in Houston? Yes Harris County has higher taxes than surrounding counties in Texas - that's life in the big city? What are you comparing "half the land" of in Texas vs. New York? How much did you pay for double the land in NY? If you get away from the big city land in Texas is a steal compared to NY. Personal freedoms from stray bullets, fireworks?? - give me a break. Sounds like you need to be tucked away into a little apartment. Subscription for news? What!?

Posted by: RAY at 09/03/2009 09:30:39 AM

NY DOES NOT TAX SOCIAL SECURITY BENEFITS

Posted by: drchirom at 09/03/2009 09:39:05 AM

Mexico is a god idea Frankania, where do you live in Mexico?

Posted by: SUE at 09/03/2009 09:40:58 AM

TENNESSEE ALSO HAS NO STATE INCOME TAX AND A LOW PROPERTY TAX.

Posted by: PDT at 09/03/2009 09:53:53 AM

Frankania, Tell me more about Mexico. Is there a single source to educate myself on relocating?

Posted by: terrie at 09/03/2009 10:10:41 AM

you might not have to pay SS tax in wisconsin, but they will get you every other way they can, I'm looking to head out so I can enjoy my retirement.

Posted by: Ali at 09/03/2009 10:37:42 AM

NEW HAMPSHIRE HAS NO INCOME TAX!! That makes it 8 states w/o.

Posted by: george at 09/03/2009 10:50:49 AM

Retired in Delaware. Have lived in 10 other States and this one is great. State and Local government officials and employees are first rate. Taxes are low and service is excellent and professional. Not many negitives except that it can get lonely in the winter down here at the shore.

Posted by: RS at 09/03/2009 11:00:12 AM

Why is Pennsylvania not on your list of states that impose an estate tax? I paid a Pennsylvania inheritance tax bill in 2008 -- did they stop collecting inheritance tax in 2009 ?

Posted by: TexRex96 at 09/03/2009 11:03:33 AM

The IL information on sales tax in this article inaccurately states: "Local government taxes can raise the total to a high of 8.75%." Maybe in 1999. In parts of Chicago today, sales tax exceeds 11% and is scheduled to rise again later this year. Chicago has the highest sales tax in the country.

Posted by: radams at 09/03/2009 11:35:56 AM

...Alabama does NOT tax social security benefits but they are not listed in the list of states that do not tax the social security so you HAVE to look at each state separately. Also, on property taxes a lot of states --Alabama for one and Maryland for another--have exemptions for people with disabilities (100%) so again the lists are misleading. Look at each state individually.

Posted by: Micheal at 09/03/2009 11:44:21 AM

No mention was made scpecifically for the recent disabled veteran of 100% having NO land or school tax in the state of Texas. This law retroactive to January 2009.

Posted by: Barry at 09/03/2009 12:42:25 PM

NJ has got to be the worst state for retirement. Corrupt politicians and high taxes are the order of the day. We will not be satisfied here until we turn the entire state into a Detroit-like situation. Nobody who earns a salary will want to live here.

Posted by: Linda at 09/03/2009 01:00:17 PM

Please note, NH does not have an income tax! Editor's Note: Hi Linda and other folks from New Hampshire. Just to clarify, New Hampshire doesn't have a broad-based tax on income, true, but it does tax interest and dividends, with puts it in the same category as Tennessee. The states we list with no state income tax have no tax on income, period. Hope this explains our methodology.

Posted by: Fred at 09/03/2009 01:11:21 PM

I live in Oklahoma and they do tax a portion of your Social Security Benefits.

Posted by: Dale Dugan at 09/03/2009 01:30:18 PM

You need to add New Hampshire to your list of states without income tax and as reported no sales tax. Editor's Note: Hi Dale, NH and Tennessee tax interest and dividends as income, which is why they are not included among states without an income tax. Hope this helps.

Posted by: VICKIE at 09/03/2009 02:02:23 PM

In Georgia in Floyd County this year they took away our Homestead exemption due to the economy??? Which hurts older property owners on a fixed income ...cant get the senior discount til age 65 then it is only on the portion of your home and small acreage which I happpen to own 18 acres so doesnt apply to my whole homestead whata rip off when you work hard to own something then the school tax and no homestead makes my tax bill over 1600.00 this year OUCH!

Posted by: Kathy Tolbert at 09/03/2009 02:50:07 PM

WV is another state where they are not very generous in retiree tax breaks. Federal and other public employee retirees only get $2000 break on their state taxes and $8000 when they reach 65. I have nothing against military people, I support them, but they get $20,000 exemption from their State taxes, even the Supreme Court calls this illegal that is not given to all public retirees. I hope they get sued big time by someone and make it fair and equitable to all public employee retirees.

Posted by: Nancy at 09/03/2009 06:23:15 PM

I feel bad for you losing your homestead exemption, Vickie, but my taxes were $3900 on my $135,000 home in Wayne Co., NY on 1/2 acre last year. That is a real ouch! I wish mine were only $1600!

Posted by: Joan at 09/03/2009 07:57:14 PM

How do Puerto Rico and the US Virgin Islands stack up?

Posted by: Ken Gill at 09/04/2009 11:26:50 AM

In Ohio, if they can see it or feel it, smell it, hear it, tast it then they tax it. Not only do you have state tax, but sales taxes, property taxes, estate taxes, city income taxes, school income taxes but not taxes on liberals.

Posted by: Richard at 09/04/2009 10:26:30 PM

We are considering moving to an adult community in Delaware. Is the ovferall tax burden on retirees one of the lowest of all the states? How does it rank?

Posted by: Mori at 09/05/2009 11:33:07 AM

Like the estate tax? Tennessee is your kind of state. Tennessee gets top billing as a "must to AVOID" for retirement. All dividends are taxed as is most interest. Property tax is not cheap and sales tax is about 7-8%. In addition there is a 9% estate tax on all assets above 1M even for assets going to your spouse!. So Bill Gates would pay $0 in Federal estate tax leaving everything to Melanie but in Tennessee he would pay 9% on everything over 1M. Sound good to you...pack up and head to the Volunteer State where you'll get a financial lesson on the volunteer nature of taxation.

Posted by: BILL BIDDLE at 09/05/2009 12:46:08 PM

...NORTH CAROLINA HAS A SALES TAX OF 8.75 PERCENT ONE OF THE HIGHEST IN THE U.S. THE NC INCOME TAX RATES HAVE JUST GONE UP ANOTHER 1 PERCENT SO THESE NUMBERS ARE NOT RIGHT. OVERALL ALL TAXES COMBINED AND NORTH CAROLINA IS ONE OF THE HIGHEST TAXED STATES IN THE U.S.

Posted by: Ken at 09/05/2009 12:55:28 PM

Try living in New Jersey...50'x 125' 2 ba,4br,kith,DR,LR,basement,utility,1car gar...$248k value & $8k in property taxes! Can't wait to LEAVE..!

Posted by: ED at 09/05/2009 01:16:39 PM

I would like to copy this information but you show no print friendly method.

Posted by: FRED GARVIN at 09/05/2009 05:14:38 PM

DO NOT MOVE TO TENNESSEE - I live in Nashville - Sales Tax is 9.25% - Housing costs are INSANE!!!! - worse than Florida - other costs - gasoline/food/etc. are higher than Florida - They also have various other ridiculous taxes like a professional sales tax of $400 per year for professionals (architcts/lawyers/etc.)-finally - the people are friendly - but Tennessee has the sophistication of a back porch barbecaue with your least favorite relatives!!!!

Posted by: Steve in CT at 09/06/2009 12:16:56 PM

After reviewing so many options...we are moving to Delware from Connecticut. Real estate taxes are about 75% less, there is no sale tax, a $12,500 pension exemption, no tax on autos and lower home prices.... along with the 4 seasons and not far from the ocean... makes this a great choice... Bye Connecticut....

Posted by: Ed at 09/07/2009 09:01:23 AM

Check out Pennsylvania. Believe you will find it an excellant retirement haven close to EVERYTHING.

Posted by: Duane Custer at 09/07/2009 10:41:04 PM

Kansas taxes me on my state pension (KPERS) on my paycheck. So they already get the state tax on it. When I retire and IF I stay in KS, the income tax is already paid. It looks like KS is giving state retirees a good deal when they are not.

Posted by: Ralph Gonzalez at 09/07/2009 11:04:33 PM

Those interested in central Mexico retirement possibilities can get valuable info at michoacan_net@yahoogroups.com. Site is run by ex-pats that made the move.

Posted by: Hollis at 09/09/2009 08:23:32 AM

TN has no income tax

Posted by: denise at 09/10/2009 01:18:48 PM

All states collect the amount of money they need. Some use a multifaceted approach trying to balance tax on income, real estate, and sales. Others collect from primarily one revenue stream. So...if you are a high income earner/high net worth individual avoid the states that attack you on income and estate tax. If I had retired in a small inland town in SC (Greenville) I would be paying about 14-20K (7%) in income tax and 2500 in property tax. If I move to Amelia Island, FL I may pay three times the property tax and twice the insurance premium but it won't begin to equal the SC income tax and Amelia Island is a lot more enjoyable to me than Greenville for retirement.

Posted by: Ray Joiner at 09/12/2009 02:03:32 AM

In addition to the tax and cost reasons for not coming to California, we are over-crowded here. I agree with previous comments to stay away if at all possible. This would be a great place with half the current population.

Posted by: Ray at 09/16/2009 11:36:55 PM

Oklahoma is eliminating State income tax on federal pensions at the rate of 20% per year plus $10,000. This year it's 60% plus $10,000. Two more years, nothing. State sales tax is 4 1/2%, property taxes less than half on twice the house compared to Michigan. State Constitution prohibits deficit spending so Oklahoma maintains a substantial "Rainey Da"y fund it builds up during good years to cover the not so good years. Oklahoma is not even on the map as a retirement destition, but is should be.

Posted by: Mike from VA at 09/20/2009 12:26:59 PM

In your retireetaxmap link, the tax info on North Carolina describes a $4,000 exclusion from state tax for state, local, and federal retirees. This information is out of date. Qualifying retirement income for the above is completely excluded from state income tax. Please refer to North Carolina Tax Directive PD-99-01 and subsequent supplements for more information on this.

Posted by: Notehound at 09/20/2009 02:13:35 PM

Denise says: "Amelia Island is a lot more enjoyable to me than Greenville for retirement." I agree with you, Denise. Another reason I pick Amelia Island as my top retirement destination is the fact that it is across the border from Georgia, so I can do some of my shopping (and get gasoline) across the line in Georgia, where the sales taxes and gas taxes are lower. People who live in Washington State and shop in Oregon get the same "border communit"y benefit, I think.

Posted by: HannaB at 09/21/2009 10:15:29 AM

Re check your info on Calif. property tax, we do have prop 13 that helps greatly. The prop tax is 1% plus assessments but is limited to increases as long as you own it.

Posted by: Jason at 09/23/2009 09:25:52 AM

Ever-hungrier, the wolf disguised as a sheepish government bureaucrat takes an ever-greater portion of the sweat of your brow, and delivers high salaries and over-generous pensions to fellow government employees, pays over the odds for union labor so as to garner suppport for their re-elections, and throws money at extravagant projects - all in the name of getting re-elected. Awake, takpayer, and observe your ruling masters as they fleece you.

Posted by: R.A.Mc at 09/23/2009 11:18:29 AM

You need to check your information regarding the Homestead tax exemption in Colorado. Our illustrious governor, Bill Ritter, has just passed a bill eliminating this exemption for seniors. At a time when the economy is in shambles, this was a cruel and unnecessary move, further burdening seniors on fixed incomes. You may be sure he will be out of office come next election!

Posted by: Dave at 09/23/2009 11:26:19 AM

Vin: ...interest and dividend payments are not income?

Posted by: Wyo Woman at 09/23/2009 11:52:17 AM

The state of WY is one of the best for retirement. Small town values, beautiful views, no state income tax, no inheritance tax, low property tax. I can not imagine living anywhere but here!

Posted by: Linda at 09/23/2009 12:25:34 PM

We live in Michigan,and we are not sure if we should stay.My husband will rec his first SS check at the end of this Nov. We will only have SS and his penison from work (from the local PD). What other state should we look at "if" we had to move.. Thankyou

Posted by: Beanship at 09/23/2009 12:41:15 PM

Left out is that Ohio no longer taxes military retirement pensions. However, if you are eligible for the military pension exclusion, you cannot also claim the $200.00 tax reduction for pensions.

Posted by: eric mayus at 09/23/2009 01:09:14 PM

Cna anyone advise me about Puerto Rico as a retirement destination?

Posted by: Alex Demarco at 09/23/2009 02:02:29 PM

I never understood the allure of Florida. Besides having annoying and arrogant northerners everywhere, you also have the dumbest of the dumb from the south...factor in the horrible heat, bugs and humidity in summer, it hardly tempered by a few weeks of nice weather in the winter. Homeowners insurance is ridiculous as is property taxes and the sales tax. I lasted 3.5 years in Tampa area and escaped...but will not mention where! My living costs were halved and it is a very nice "coastal" place...shh....don't even try and find me!

Posted by: Richard Crump at 09/23/2009 02:09:50 PM

You might wish to re-check your comment about North Carolina not taxing Social Security.

Posted by: Tom at 09/23/2009 08:41:18 PM

Linda: Florida is warm, sunny, and friendly. Moved here from the "mitten" a few years ago, I miss my friends, family comes to visit often. No dreary and wet spring and fall days here. Heck its even sunny in January and February. Check out North Central Florida, close to the beachs, aways from the coast and hurricanes.

Posted by: john thoden at 09/24/2009 08:07:21 AM

Fla not what it was when we moved here in 1998,but it beats the period of weather that is about to hit the northeast. Costs are higher than they were then but where are they not? Take the politicians out of the picture and it would be grand retirement place!

Posted by: Will Miller at 09/26/2009 10:16:51 AM

Curious, California is given "bad marks" yet it is the location that my sister settled after "roaming". For whatever reason she's able to live better with all of the negatives, makes one pause and think. Maybe the quality of the life is better, she thinks so.

Posted by: knowphish at 09/26/2009 04:37:58 PM

Ditto what Demarco said. I've lived all over the country, due to my job, and Florida is the WORST!!! If I hadn't met my wife, who's a native Floridian, I'd been gone long ago!!!!

Posted by: Debbie Jordan at 09/27/2009 06:56:00 AM

Illinois has got to be the worst state to live in hands down...I am heading to Delaware!!!!!

Posted by: helen at 09/27/2009 07:28:17 AM

Live in NJ; downsized to a small retirement home; RE taxes are over $9000 on this small abode; taxed to the hilt; weather is "okay"; only reason for staying is family. Otherwise we'd be heading out of this state as others are doing. To those wondering about Mexico, a former co-worker retired to Guadalajara and enjoyed a wonderful retirement until his death. He had a maid who came in three times a week, a gardener who looked after the outside of the beautiful place he had built, a wonderful community of both native Mexicans and Americans from the area--all for less than $600 a month. Other places to consider are areas of Costa Rica, Dominican Republic, Belize, and even Nicaragua. Things are changing and many Americans enjoy living in these countries as well as others in the Caribbean.

Posted by: David at 09/27/2009 11:37:32 AM

For info on retiring outside the US check internationalliving.com

Posted by: Paula at 09/27/2009 04:18:49 PM

Hey Demarco:...Having doubts about transplanting here in FL, from PA, where would you suggest I look? Your coastal place sounds nice. Knowphish, since FL is the worst, where would you move to or go back to? Ready to buy a home but not sure about FL anymore!

Posted by: ron at 09/28/2009 02:12:45 AM

florida has changed for retired seniors on a fixed income for the worse. florida's budget went from $47 to $74 billion from 1999 to 2006. a huge $27 billion increase, all on the backs of property owners. they expanded the government tremendously & tripled & quadrupled our property taxes to pay for it. this has killed real estate, construction & the economy. south florida was the hardest hit by very high property taxes because it has higher valued real estate. if you're going to buy in florida, the property tax will be your biggest bill, along with home owners insurance. a $200K property could pay $4,000 or more in property tax anywhere in florida. a $400K house $8000 in property taxes. more or less multiply the sales price by 2%. florida has the 2nd highest forclosure rates in the country but don't think that they're going to base your property tax on the low forclosure sales price. forclosure sales prices are not taken into account & you'll pay almost the same property tax as the former owner. our huge florida government is running huge deficits & they're going to squeeze every dime out of property owners. home owners insurance is also very, very high especially in south florida. you can pay 2,4,6,10,15,20,30,000 & it's going up. many retired seniors who are on a fixed income are moving out of florida & not retiring to florida. it has become expensive to lve here. the very high property tax & home owners insurance alone has made it impossible for many retired seniors. the politicians in power have blocked every property tax cut proposal, especially the ones for seniors. forida is now in the same boat as california. a huge government, super government spending & super high property taxes...

Posted by: Wendy Davis at 09/28/2009 09:46:10 AM

Florida is the worst. I am going to try North Carolina. Asheville is beautiful, mild winters and low property taxes (outside the city). They do not have an income tax on retirement although they do have a hefty sales tax. Property values are great and affordable. I like the four seasons although not a big winter wonderland fan. So, NC may be the best kept secret. On the east coast, if you would prefer fresh air, mild climate and central location, NC is a great option.

Posted by: sue at 09/29/2009 06:06:55 PM

Ha, Ron, you are complaining about paying $4000 property taxes on a 200k home??? I pay a little over $2700 taxes on a home that is assesed 100% at 123,000 IN NEW YORK STATE...also, I have friends that have a home worth around 225,000(in florida) and only pay about 1200 a year in taxes...

Posted by: Beverly at 10/02/2009 11:37:07 AM

I just have one thing to say about Florida, whatever the price you pay for your home, you get a $25,000.00 exemption right off the price you pay for your home if you are a full time resident of Florida.

Posted by: WIllie at 10/02/2009 01:44:46 PM

Try Texas where that $200k house will pay over $6k in taxes. And no, property values don't ever decrease regardless of the economy. Even if they did, communities would just hike up the tax rate. Bring on a state income tax!!!

Posted by: Phil at 10/04/2009 02:20:42 AM

You failed to mention that Hawaii property taxes are assessed by county. Maui resident homeowners get a $300,000 exemption on assessed value for property tax, and then are taxed at the low rate of 0.2% on the remainder. (for instance, a $1M homeowner would pay about $1400 annual property tax) Plus all qualified pensions are exempt from state income tax. Much better than most states.

Posted by: kevin at 10/07/2009 07:14:42 PM

...i am looking to get out of N.Y. my taxes just went up i am now paying over $3000 IN STATE and federal and over $7000 in school taxes thats right $7000 in school. I NEED OUT. WHERE DO I GO?

Posted by: Charles Romer at 10/07/2009 09:00:15 PM

Retiree real estate taxes in Texas are not that bad. My home is appraised at a little over $200k in suburban Houston and total 2009 RE taxes are less than $3k because Over 65s get a nice exemption. If you prefer to pay income taxes, then Oklahoma has much lower RE taxes but does have an income tax. If your income is at or near poverty levels you might want to retire there.

Posted by: Frank Booth at 10/09/2009 06:01:48 PM

Wyo prop taxes have increased even as prices and sales have dropped in the ritzy northwest leftist peoples republic. 2nd home sales and construction are in a big slump. Building permits seem a little pricey for additions and new. Vehicle ins is reasonable but tags are pricey by county. 09 4-runner tag 1st yr about $750 down to about 50% after 5 years. Make sure to get glass coverage because rock chips are everywhere. They don't use salt or mag-chloride here, and they chip seal roads in summer. If you're an epicurean, good-luck. Even in resort town the FOOD STINKS. Be careful or you'll get sick. Not ONE tepanyaki restaurant. Lots of bbq and day-old lettuce. But you gotta love the low tax burden. 4wd required. Come on up, we can use the company! Low crime is an added bonus: no shootings but lock your car to keep wayward juveniles out.

Posted by: Dan Fischbach at 10/15/2009 10:08:26 AM

The Oregon info is incomplete. In 1989 I was paying $480 PER MONTH ($5760 per year) in property tax on a house I couldn't sell for loan value which was about 135K. Oregon has to be one of the worst places to retire if you plan to own a home. This was Multnomah County which includes Portland. Retirees considering moving should be aware Oregon not only has the highest income tax, it also has one of the highest property taxes. The "property tax set by county is a dodge...

Posted by: Topretirements.com at 10/17/2009 09:43:59 AM

We agree with the statement that "Property taxes can be a bigger concern". Since people in retirement tend not to make much money or spend it, income and sales taxes are usually less important. Generalizations about states should be viewed with caution, as property taxes can vary quite a bit within a given state. Investigate the property taxes in the town you are considering before you buy, and pay attention to the trend.

Posted by: E. S. Altevogt at 10/27/2009 01:53:50 PM

I would like to see Kipplinger add propery insurance rates as one of their meaasures for what makes a state affordable for retirement. Property insurance rates here in Florida have skyrocketed and in many cases have a greater impact on a retiree's budget and quality of life than the sales tax percentage. Many retirees here in Florida are leaving Florida for other states because they can no longer afford to live in their homes because of the combination of high property taxes and high property insurance rates. When you combine the facts that "declining" property taxes are not keeping par with declining home prices and fewer number of insurers will even insure homes here in Florida and high rates- the result is a scenario where retirees are being forced to move from their homes because they can no longer afford to keep them. These high insurance rates affect not only waterfront residences in coastal counties, but residences...near the water. The Homestead Exemption for Seniors on property taxes and percentage caps on Homesteaded and 2nd homes don't help seniors much when offset with higher costs to insure their residences. Our own property insurance is over 20% HIGHER than our property taxes, reulting in a monthly escrow bill that is higher than out principal and interest combined, and we are not even in a zone that requires flood insurance and don't carry it. The high property insurance seniors pay truly impacts how far their retirement dollar actually goes here in Florida. I'd bet a closer review of other coastal states, as well as inland states prone to severe weather, like tornadoes and floodinng, would yield some interesting results and would impact the affordability of retiring in many states.

Posted by: Rafa at 10/30/2009 12:45:31 PM

Answer to where in the central highlands of Mexico to retire. We retired to Queretaro with many free cultural and music events, a symphony orchestra, several universities, a lively night life. Families crowd the central plazas at night. My wife has a maid at $20USD for a 7 hour day. An hour asway is San Miguel de Alliende where about one-fifth of the population is American with an American library, American consulate, and an active social life among Americans. We are 9 hours fast drive down 4 lane divided toll roads to the US border..

Posted by: david at 10/30/2009 07:47:13 PM

wyoming is great and very tax friendly too bad its so cold and windy and the food is awful.

Posted by: coups at 11/02/2009 08:57:29 AM

Moved to N.C (mountains) from Chicago. Thought it would be cheaper. HA! No WAY!! NC is hell expensive with taxes on everything! You snowbirds moving out here are nuts! They freak and close the state down with two inches of snow. Prices are insane here, lots of heating oil (you're held at gun point for your $$) homes so the cost of winter fuel is horrible! Floridians all over the place! Sounds to me like Delaware is an option! Alaska really sounds excellent! If you like lots of taxes and -oh yes! occasional police road blocks "just to check your D.L" you'll like it here. I'm moving after being here too long. I love the people but it's toooo expensive here in NC!! You'd best get used to living and breathing Duke and NC Chapel Hill basketball!

Posted by: bigolbose at 11/02/2009 05:11:07 PM

Why do so many people wish to live where the weather is terrible, the food choices are limited, and there's not much to do just to save on taxes? I don't get it.

Posted by: Mandy at 11/02/2009 06:54:46 PM

HI all. I live in northern Florida and agree with many comments regarding the heat, humidity, bugs and expenses. The property taxes & homeowners ins on my little house are twice as high as my son's house in NC, which is 2.5 x larger than mine. I am making plans to relo to either Mexico or Ecuador in 2 years. My husband & I planned a Hawaiian retirement but his death last year makes that impossible. We would have had a great life on 2 pensions and 2 social security checks, but not on one. SSA is not giving us a COLA this year and being at their mercy, I am afraid to remain in the US as the inflation that is coming is going to really hurt those of us on fixed incomes. Taxes, utilities, food etc are going to increase exponentially faster then our pensions. I will be in a cottage on the beach sipping a margarita. Y'all can come visit anytime!

Posted by: Robert DeVere at 11/05/2009 06:34:48 PM

I have a couple of years yet before I retire from federal civil service under FERS. When I do, my total income will be from my pension, Social Security, and IRA. I own property in Vermont, which I intend to keep but not live in year-round. So my focus is perhaps different from most of the posted comments. I'll pay the onorous Vermont property tax regarless, but if I can find a permanent retirement residence that doesn't tax my income stream AND ALSO does not kill me in Estate or inheritance taxes (pun intended) I could probably live there happily. I've found that people are pretty decent all over our country. Even out of it. I'd like to avoid those Vermont Winters if I can--they would either kill me themselves or keep me vital. I'd rather not find out which.

Posted by: Donna at 11/06/2009 12:07:46 AM

I live in Texas and know the Harris Co. area gives about $160,000 exemption to those over 65. Some school districts and cities within Harris Co. also give substantial exemptions and sometimes freeze property taxes to 65 and over. It varies from county to county. We retired to Nacogdoches, TX in the eastern part of TX which is probably TX best kept secret. It's the only area where dogwoods grow. We don't have the fall color of NC but we have a lot of forest here with oak, elm, red maples, etc., much like the Carolinas. We have 3 acres, brick house about 2100 sq.ft surrounded by woods, deer, many different birds, outside the city so no city tax, county and school is now frozen at $2300 a year on a value of $200,000, no state income tax, sales tax is 8.25%. We have a 4 yr. university with an excellent Fine Arts Dept., a nice size art gallery, plays, concerts, an arboretum, native plant center, and bike and hike trails now being built in 22 acres of woods. Am 5 miles from it all. Only drawback can be lack of huge shopping malls like in Houston or Dallas but Tyler and Shreveport LA are 90 miles away. Interstate 20 is 90 miles north. Houston is 150 miles south. It's quiet and people friendly, no congestion. Fall, Winter, and Spring are great....summers can hot. Azaleas bloom here mid March to April 1. May is nice, June begins the heat wave. Population was about 30,000 in 2000. Home prices are cheaper than where we were in OH, about the same as Houston area but more land here. Homes are usually individually built, so all different. Trees are definitely beautiful here.

Posted by: Terry at 11/08/2009 08:53:19 PM

Does anyone know if you retire in one state is that the state you have to file state income tax in?

Posted by: Ralph Ekberg at 11/17/2009 01:53:02 PM

...I would like to compare retirement States in all tax catagories (property, sales, income,etc.) to help make a decision on where to retire. In our case it's the Carolinas versus Florida. Is such a service available?

Posted by: Doug Harbrecht at 11/17/2009 11:35:44 PM

Hi Mr. Ekberg, Doug Harbrecht with Kiplinger's here in response to your inquiry. We don't have a direct comparison, but you can compare the tax data from Florida with both North and South Carolina to get an idea which state would be best for you. The detailed data we provide covers all facets of taxation for retirees in each state--state and local income taxes, personal property taxes, sales taxes, etc. Everyone's tax circumstance is a little different, so the only way you determine which is best for you is to compare each state you're considering. Hope this helps. And thanks for your interest.

Posted by: Don at 11/19/2009 08:41:34 AM

To Ralph Ekberg, if you search in your browser , states with lowest overall tax burden, you will come up with thousands of lists that show what the averages are for various income levels.

Posted by: Mary Oman at 11/21/2009 11:00:57 AM

My husband and I inherited acerage from his fathers estate. We live in North Carolina. Should we sell this property, what tax would we be liable for. Neither of us work , we are retired and live off our savings and we will not receive our social security (if it is available) until 2010.

Posted by: john gregory at 11/23/2009 08:59:09 AM

my total retirement ss and fixed annuity ira is 40,500.00 , where is the very best state to live in? I'm 66 and my wife is in her early 50's love warm weather;;;

Posted by: Joseph Maxwell at 11/24/2009 08:42:32 PM

LINDA IN MI. STAY WHERE YOU ARE AND GET A SECOND HOME FOR THE WINTER IN AL. (SOUTH0. MI DOES NOT TAX SS, PRIVATE OR PUBLIC PENSIONS, NO INCOME TAX FOR SENIORS, PENSIONS AND IRA'S ARE EXEMPT UP TO 86,000 FOR JOINT FILERS. WE LIVE ON LAKE MI. 200,000 HOME W/HOMESTEAD EXEMPTION TAXES ARE 1,000 YR. SALES TAX RATE 6% YOUR HUSBANDS PENSION FROM PD. WOULD BE TAX EXEMPT!!!

Posted by: Bill N at 11/26/2009 11:40:08 AM

A question for anyone living in MO. I'm looking at a place in southern MO, about $100K. The local county tax man has already told me the tax would be less than $800 per year to the county. Would I also owe tax to the state and about how much? Thanks

Posted by: Scott Duncan at 11/26/2009 03:38:59 PM

For those who are able to adjust to Mexico, the better choice is Panama. If you prefer metropolitan areas, check out Panama City: World class facilities, good international flight connections, low cost of living, you will not be subject to Income Tax on U.S. income, personal security is generally good - the Panama laws are friendly to foreign retirees - the process is simple and quick. If the big cities do not appeal to you, go north in Panama to the area east of David. Climate is better than Hawaii, good facilities, and a growing contingent of ex-oats. You will pay your U.S. income taxes; however, you will escape the problems of inheritance and estate taxes imposed by the states - but get a good lawyer to advise you. Northern Panama seldom appears on recommended lists for U.S. retires. Let's keep it that way.

Posted by: Daniel at 11/26/2009 10:24:04 PM

I"m a military retiree who is also 100% disabled. I live in Maryland but am getting ready to start travelling full time. I also get a disability pension from the Federal Government. Which state would I do best in as far as protecting my military retiree pay and my Government pension. My VA disability is non taxable here in the state of Maryland.

Posted by: leralph at 11/27/2009 12:31:04 AM

...I suggest if you are interested in a particular state, check that state's official site. For example, North Carolina does not tax municipal and federal pensions, but it was not indicated this way (in the article).

Posted by: FrauFal at 11/28/2009 10:26:19 AM

Please don't come to Delaware. The traffic on the roads is already too much!

Posted by: Anita at 11/28/2009 11:32:48 AM

I see many discussions/calculators to determine best age to retire assuming husband is older and bread-winner. I would like to see something with the opposite parameters: wife (me) is 9 years younger than husband and wife is also the higher earner.

Posted by: dale at 11/28/2009 02:11:01 PM

stay out of ohio, i moved here from texas and ready to go back, they will tax you for blowing gas if thet catch you. thinking of going to mi where i was born and raised, retired now.

Posted by: Jacinto Estrela at 11/28/2009 03:58:20 PM

I live in Ohio and I am planing to move to a state that is wormer but I am concerned about the estate tax and the cost of living. Is Austin Texas a good pace to retire? Please let me know how I can get information about the Cities in Texas or Georgia. Enter your comment

Posted by: Tex at 11/28/2009 04:36:07 PM

Property taxes in Texas are a RIP OFF if you live anywhere near a city like Houston, Dallas, San Antonio, etc. At 3% or MORE of the assessed value, I pay almost $10,000 a year in property tax on a home valued at $450,000. Half of that tax goes to support the pathetic school district that I dont have any children in. Many seniors and people living on fixed incomes are FORCED to sell their homes because they can no longer afford the property taxes. The homestead and senior exemptions are also a JOKE. Plus, the county has consistently raised the value of my home more than 10% every year since I purchased it. Even during this recession the county said my home was worth $5000,000 up 10% from last year. This requires I fight the county appraisal EVERY YEAR. Texas is a great place to make money, but not to retire if you live in a big city. Even with no state income tax, Im leaving Texas when I retire.

Posted by: Jon Public at 11/28/2009 05:03:04 PM

Property taxes in Texas are a RIP OFF if you live anywhere near a city like Houston, Dallas, San Antonio, etc. At 3% or MORE of the assessed value, I pay almost $10,000 a year in property tax on a home valued at $450,000. Half of that tax goes to support the pathetic school district that I dont have any children in. Many seniors and people living on fixed incomes are FORCED to sell their homes because they can no longer afford the property taxes. The homestead and senior exemptions are also a JOKE. Plus, the county has consistently raised the value of my home more than 10% every year since I purchased it. Even during this recession the county said my home was worth $500,000 up 10% from last year. This requires I fight the county appraisal EVERY YEAR. Texas is a great place to make money, but not to retire if you live in a big city. Even with no state income tax, Im leaving Texas when I retire.

Posted by: cleo at 11/28/2009 09:16:35 PM

We live in SOUTH CAROLINA IN CHESTERFIELD COUNTY WITH IS THE NORTH EAST PART OF THE STATE. IN 30 MINUTES WE CAN BE IN MONROE, N. C. OR LANCASTER, S. C.. IN LESS THAN AN HOUR, YOU CAN BE IN CHARLOTTE, N. C. SURE WE HAVE STATE TAXES ON VEHICLES AND COUNTY TAXES ON OUR HOMES, BUT YOU CAN GET HOMESTEAD EXEMPTIONS IF YOU ARE RETIRED, OR DISABLED. IF INTERESTED IN MOVING SOUTH, LET US KNOW. WE HAVE 44 ACREAS OF BEAUTIFUL LAND FOR SALE IN PAGELAND, S. C..

Posted by: Jerry at 11/28/2009 09:52:42 PM

If you retire to TN, find a home outside of Memphos or Nashville areas. Real Estate taxes are very low, (I pay $800 yearly on my property assesed at $165K.) You only pay taxes on interest and dividends over $24K annual income. Sales tax is high but at least you can make a choice on this one.

Posted by: john at 11/28/2009 09:54:58 PM

I have heard nothing about Nevada or Arizona.I live in Wisconsin and while the weather in the summer is the best anywhere the taxes, and the winters are both brutal! I hate humidity so I want to go west not south. Any help. I hear you can get a nice house in Las Vegas for dirt cheap because of all the foreclosures. How are the hospitals, traffic, taxes?

Posted by: stewart rohrig at 11/29/2009 09:56:14 AM

yes alabama does have lower taxes on property,,but they make up on car tags and sales tax my sales tax is 9% on everything, you pay through the nose on car insurance or homeowners ins. esp. if your older , the only thing you get from all this moving around is alot of dissapointment the only thing thats different is the weather in most cases my advice buy a camper and and move to a camp grounds give the gov. your house now they will get it anyway sooner or later

Posted by: rdhewes at 11/29/2009 10:29:38 AM

NEW MEXICO'S LITTLE KNOWN PROPERTY TAX EXEMPTION.....IIf you are a 100% Diabled Verrand you are exempt from prooperty without any upper limit. New Mexico's sensitity to vetrans is well known since WWII when the New Mexico National Guard will virtually eliminated due to combat losses. Buy a home, applied for the 100% dusabked exemption, pay zeero property tax.

Posted by: Liz at 11/29/2009 10:30:06 AM

Excellent info

Posted by: evelyn at 11/29/2009 10:57:54 AM

We moved from California to Tennessee to retire on a small pension. We pay NO state income taxes, live outside the city limits of a smaller rural city, and thus pay only county property taxes. Our taxes on 2 1/4 acres of land is less than $500 per year. Also having savings in a credit union account exempted us from paying income taxes on that, but the laws were changed recently to include regular banks as well. We pay less than half of what we were paying in California for utilities, including telephone, gasoline is, on average, 25 cents a gallon cheaper, our car insurance is also less than half than California, our home cost us about 60% of the price we sold for in California. We were a modest working, single income family who could not afford to retire in California AT ALL, even if we had waited until we were 70. Now we live quite well on about 2/3 of that same income and are not yet collecting social security. Sales taxes are the only problem here, but compared to the enormous savings we enjoy everyday for basic necessities, it doesn't stack up to a big problem.

Posted by: Rod Summerford at 11/29/2009 01:56:15 PM

The article is interesting, but not very useful for the following reason. It doesn't tell you where taxes are lowest overall and it doesn't break it down for various income levels in terms of the taxes. Maybe this could be a follow up article for us practical folks.

Posted by: stewart paul at 11/29/2009 04:08:03 PM

llooking for a perfect place to retire low taxes warm weather no crime plenty of jobs great hospitals ideal rainfall keep on looking and if you find it you have just found heaven ,brother let me tell you there is no differance in the us except the weather, i been there every state is like another country stay home enjoy your final days in the end doctors and the goverment will get everything anyway

Posted by: Terry at 11/29/2009 10:37:45 PM

We have an annuity that is not federally taxed. Would this also be tax exempted in the State of Oregon as income?

Posted by: BrokeDickHaHa at 11/29/2009 11:20:27 PM

What about Nevada??? I don't see any comments here. I am almost 50 and thinking about ending up maybe near Laughlin, Reno or Las Vegas. Can anyone that is already retired there comment for me?

Posted by: ed henry at 11/30/2009 12:37:07 PM

vegas is an island city like isolated mountain resort towns: everyone including local po-po's eventually will know your business. don't like personal property taxes even if they are "selectivel"y enforced. I-15 is a parking lot at times and it seems that drivers brains are sunbaked. local butt doctor recently caused outbreak of hep c by reusing equipment. on the other hand, lots of nice but expensive reataurants and entertainment. lots of tattoos, shaved heads, goatees and big sideburns. it's hot too! the state budget is a mess and there is pressure to raise revenues. tahoe/incline village residents are being hassled by calif franchise auth for spending too much time in cal. mesquite seemed nice as a small-town golf haven. i thought about vegas but at this point would lean toward reno area even though snow is tough.

Posted by: Fawn at 11/30/2009 08:29:06 PM

Will I have to pay Inheritance tax next year on $100K left to me buy my Aunt? I'm in Arizona

Posted by: joedose at 12/02/2009 06:26:24 PM

For those of you who reside in California, and/or New York...Get the hell outta there!

Posted by: Joe at 12/02/2009 07:55:54 PM

Quit complaining and stop voting for those who raise your taxes.

Posted by: toni at 12/03/2009 08:35:36 AM

All of your comments are about home ownership, I would like some information regarding rentals in those areas with no taxes, etc. Are there apartment rentals available and how do I go about finding the listings? Please advise.

Posted by: trish berry at 12/03/2009 10:50:33 AM

thinking about moving to a warmer place...

Posted by: jimena at 12/03/2009 04:03:17 PM

EI want to move to the best city to live for culture, schools, art, recreation, high class, employment, quality life, beauty.

Posted by: Roy at 12/03/2009 06:01:04 PM

New Hampshire may not have a sales tax or income tax but they make up this tax with very high property taxes perhaps the highest in the United States.

Posted by: lomie35 at 12/03/2009 07:27:26 PM

Dont move to MI, it may be beautiful here in the north but you have sales tax, income tax, real estate tax, inheritance tax, state, federal tax, you name it we got it. Not to mention the car insurance companies have you over a barrel with no fault insurance, the price is out of this world, $1200/yr for PLPD on a vehicle more than 10yrs old. Insurance alone breaks the bank. Oh not to forget a $75,000 home on a one acre piece of property which is primary residence cost $1600/yr in taxes. And I live in what is considered the most poor county in MI. Good luck trying to sell in this state to get out too!!! Good luck to all you!!! Hope this helps

Posted by: Jeanne M. Rohde at 12/04/2009 04:20:04 AM

We thought moving to Mesquite, NV would be cheaper than New Mexico. Wrong! Our vehicle tags and insurance more than tripled.. During the housing bubble, home prices went through the roof and they haven't returned to pre-boom prices. We were lucky to sell at the peak. Moved to the Foothills area of Yuma, AZ and love it. Lots to do, friendly people, very nice inexpensive housing, and our property taxes are exgtreemly low. Super hot in the summer, but tht's what a little place in the mountains is for. Snowbirds double the population every winter. If you live here and are bored, it's your own fault.

Posted by: rae at 12/04/2009 05:13:14 AM

Nebraska has an inheritance tax (1% on anything over $40K) and extremely HIGH property taxes. I pay $6400/year prop tax on a home valued at $250K. Outrageous!! If it moves, has ANY value, Nebraska will tax it. This state is NOT retiree friendly. Think twice about moving here.

Posted by: Kathy at 12/04/2009 10:04:53 PM

I need a change. I would prefer to move to a climate without snow. If the city povided activities for single retirees I would be very happy. I would like to reward myself. I have raised 2 wonderful daughters, worked for 33 years, am now divorced. The world is my oyster and its now my turn for me.

Posted by: gaytha at 12/05/2009 08:09:51 PM

Living on a very maeger budget...

Posted by: John at 12/06/2009 10:59:04 AM

What States or Counties do not have a School Tax? As a Senior, 68 years old, I pay $1050.00 in School Taxes every year.

Posted by: DOLORIS 12-6-09 at 12/06/2009 03:23:38 PM

wisconsin is not a good state for SSDI...have not found any tax breaks here on anything. welfare still the best for all those who have children & not married ...the system works great for them

Posted by: Hans Hoeboer at 12/07/2009 12:10:21 PM

My retirement strategy is as follows: I am now 57.5 years old and plan to retire @age 60. Currently I am saving as much as I can thru pre-tax savings (about 20% of my salary). I plan to retire overseas so that when I start taking out my pretax savings I will have a cushion of $80K as an exemption from my then current income. Since I will not need that much when I live overseas I will not need to access more than said $80K a year, thus keeping my entire pre-tax savings untaxed forever.

Posted by: Richard at 12/07/2009 04:49:59 PM

Can't trust this reporting if they don't get the numbers right - I noticed lots of mistakes - most obvious was the Alaska Dividend Fund amount for 2009 - It was $1,309 (I know I live in Alaska)

Posted by: MGW at 12/07/2009 04:50:43 PM

...Florida's homestead exemption is $50,000 not $25,000. It was doubled this year.

Posted by: Brian at 12/07/2009 05:47:42 PM

The room and meals tax in New Hampshire was increased to 9 percent in August 2009.

Posted by: Generation X at 12/07/2009 07:42:40 PM

Annie (and all the other government retirees who do the same)...You are willing to take your government pension and expect taxes to go up to support your retirement. And then you move to another state that has no/low taxes....hypocrisy and greed...Thanks for setting such a good example for future generations.

Posted by: Shawn Hittman at 12/08/2009 06:06:27 PM

Taxes SUCK!! Espicially when you consider how little return we get for them. Screw the Government! Everybody else has to tighten up, why don't they for a real CHANGE?

Posted by: Amy at 12/10/2009 08:41:12 PM

Let me know what your results are! Amy

Posted by: Living in NC...moved from Oregon at 12/12/2009 12:36:31 PM

We are 35 and 40, parents of 3 boys trying to decide on the best place to move to. Any feedback on places for families, that have activities, low crime, great schools? We love the NW states and would love to consider WY or MT...ID...maybe back to Oregon. The concern is jobs....seems there is no work. Any ideas, would be appreciated or feedback if your from these states. Thanks~~

Posted by: Mike at 12/14/2009 10:48:22 PM

Federal gov retirees may exclude 100% of their CSRS or FERS retirement income if they had 5 years or more of service as of 1989. This is known as the 'Bailey' settlement.

Posted by: Taxed2Death at 12/15/2009 03:54:25 PM

To those of you who think Pennsylvania is a great place to live- think again. Some areas are better than others, but Monroe County has the highest property taxes in America. The average $100,000 house here has a property tax bill of $5000. That's 5% of the assessed valuation. They don't even pay those rates in Beverly Hills. Stay out of Monroe County PA because it is truly a tax H*E*L*L!

Posted by: vic at 12/17/2009 12:04:10 PM

I have also been playing the retirement place looking game, but realize just how nice a retirement spot I presently live in. Dewey, Arizona, low property taxes, great climate dry with plenty of SUNSHINE. Plenty of choices for things to do. Check it out.

Posted by: jr at 12/17/2009 08:16:41 PM

Indiana DOES have an estate or death tax - whatever the name - and it is HIGH - with little excluded.

Posted by: thomas o. at 12/19/2009 09:29:01 AM

Which states do not tax or tax at a lower rate state pension plans?

Posted by: MUSTANG07GT at 12/21/2009 09:16:22 AM

WHEN YOU ONLY HAVE ONE CHILD IT IS EASIER TO RETIRE SOMEWHERE NEARBY. OUR DAUGHTER MAY LIKELY PURSUE A CAREER IN NO CAROLINA. CURRENTLY WE RESIDE IN PA. RETIREMENT AND DOWNSIZING WILL HAPPEN IN NEXT 3 TO 4 YEARS. WE HAVE 6% SALES TAX, EVER INCREASING REAL ESTATE TAXES,STATE INCOME TAX APPROCHING 3% AND LOCAL INCOME TAX OF 1%. NO TAX ON INCOME FROM YOUR IRA. ESTIMATE THAT RETIREMENT HERE WITH $100M ANNUAL INCOME WILL RESULT IN STATE & LOCAL TAXES OF $18M. ADD IN FEDERAL INCOME TAX AND ANOTHE $20 TO $25M IS GONE. LETS JUST CALL IT AN EVEN 40% OVERALL TAX RATE. MAKES ME WONDER WHY I WORKED SO HARD AND SAVED $$ ALL THESE YEARS TO PROVIDE FOR OUR RETIREMENT AND FAMILY. PERHAPS IN THE END 50% OR MORE GOES TO TAXING AUTHORITIES TO REDISTRIBUTE TO THOSE WHO EXPECT THE MOST FOR THE LEAST EFFORT. DON'T TALK TO ME ABOUT THE CIRCUMSTANCES OR THE 'DIS-ADVANTAGED'. NO ONE EVER GAVE ME SUCCESS. IT IS THE RESULT OF OUR OWN EFFORTS. SO AFTER RAMBLING ON LIKE THIS , WHERE DO WE GO? DELAWARE ? VIRGINIA? OR STAY PUT. MAKE NO COMPARISONS. I BELIEVE THAT MOST PEOPLE (not all ) ARE WHERE THEY ARE IN LIFE BECAUSE OF ALL THE CHOICES THEY MADE ALONG THE WAY. ' WOULD APPRECIATE COMMENTS AND ADVICE. THANK YOU

Posted by: George at 12/25/2009 08:53:55 AM

I have found those who escape high tax states for low tax states do not leave their expectation that the state provide lots of services and benefits. They are unable to equate high taxes and what they expect the state to provide. Leave your ideas of what you want the state to do for you at your high tax state border. Stay where youy are if you are unable to do this. We DO NOT want you here. State services are not free.

Posted by: teri at 12/29/2009 02:55:24 PM

Don,t come to California. Taxes are high and money will be spent to supoort all the illegal aliens services and so called rights. They are taking over, sadley.

Posted by: JIM at 01/04/2010 04:12:04 PM

I SEE A FEW COMMENTS ABOUT TAXES IN TENNESSE. IN SOME WAYS --- DEPENDING ON ASSETS AND SPENDING HABITS AND SOURCES OF INCOME, ---TENNESSEE IS A VERY UNDESIRABLE STATE DUE TO TAXATION. SINCE ABOUT 1929 WHEN THE SO CALLED "HALL INCOME TAX" WAS ENACTED, RESIDENTS ARE LIABLE FOR A 6% TAX ON ALL INTEREST AND DIVIDENDS EARNED INSIDE TENNESSEE. FURTHERMORE, TENNESSEE HAS ONE OF THE HIGHEST SALES TAX IN THE USA --- IT VARIES BY COUNTY AND CITY, BUT IS ABOUT 9.25% IN MOST AREAS. AND FINALLY THERE IS AN INHERITANCE TAX AT DEATH THAT RUNS FROM ABOUT 6 TO 9 % ON ESTATES ABOVE ONE MILLION. I LIVE IN A TENNESSEE CITY AND PAY $2000 PER YEAR PROPERTY TAX ON A SMALL CONDO!!!

Posted by: B at 01/05/2010 08:45:45 AM

GA does not offer a homestead tax exemption on property taxes starting this year.

Posted by: Bob at 01/05/2010 01:39:48 PM

If you move to New Hampshire and do not OWN (i.e. living in a Retirment Community) then the RE taxes do not have a direct affect on you, thus making New Hampshire a much nicer state to retire in.

Posted by: john at 01/05/2010 05:35:21 PM

hey frosty, I hope you moved back to New york

Posted by: Chris at 01/05/2010 08:50:52 PM

VA disability is NOT taxed in any state, period. And if you worked enough, saved enough, planned enough, you'll find your tax rate will be fair. It's part of living in a civilized community. Kids need education, whether they are yours or not, so they can grow into police, firemen, doctors, business owners, etc instead of criminals. Stop acting like victims and take control of your situation. No one is to blame but ourselves, once we become adults. For those of us who faithfully served our nation and have a service connected disability rated at 100% will be 100% exempt on their property taxes for their primary residence in the state of Texas. Also, for those complaining about their property tax...MOVE. Research the local property taxes before you buy your house. If you live just outside the city (Houston, Dallas, San Antonio, etc) will pay much less in their property taxes. If you choose to buy a house in Houston then don't complain about the 3.7% tax rate...you're paying for your Rockets, Astros and Texans stadiums. Congrats. And for the (person) from New York who complained about "stray" bullets and fireworks...you've got to be kidding me right? A New York resident had the nerve?! CRAZY!

Posted by: Chris at 01/05/2010 09:02:07 PM

One additional note: for all those complainers out there feeling as if it's not fair for them to pay school taxes when they do not have a child in school forget about the more important issue of educating your community so that there are more future wage earners/tax payers instead of criminals/welfare recipients...simply remember that there were similar upstanding citizens who were paying taxes to pay for YOUR education when they didn't have a child going to your school. ...do what's best for your community. Do things the right way (i.e., save 20% for a downpayment on your house and don't buy things you can't afford) and be happy and stress free. Save money for retirement instead of constantly stressing out about whether Social Security will be around when you retire when it was NOT designed to be your source of retirement anyway!! Do your fair share, pay your fair share and stop expecting small businesses and high wage earners to foot your bill.

Posted by: bob at 01/06/2010 10:09:55 AM

what are the benefits of retiring to puerto rico?

Posted by: Lisa at 01/06/2010 10:39:18 AM

I live in NY and I would never recommend any young adult to start a life here, way too expensive, especially living on Long Island. Property taxes, including school taxes are so screwed up! The property tax system is a disaster. It is not affordable to live in New York.,at least Long Island!

Posted by: Tim at 01/06/2010 11:58:27 AM

Concerning Wyoming, would someone be able to tell me if their auto insurance , licensing and registration fees are exhorbitant, as compared to say, California's (which weren't terribly bad when I lived there in the '80's and 90's) or Louisiana's (where I live now and the registration and licensing is cheap but the insurance is astronomical - due to the large number of uninsured motorists (40%+). Thank you. Tim

Posted by: Don at 01/07/2010 10:04:09 AM

Michigans no-fault car insurance is a big burden. .Property taxes are higher than Indiana,but there is no tax on pensions or Social Security up to 80,000. 6 % sales tax,.heating a1700 sq.home can cost $500-600/mo..This is a liberal state wich loves to tax. .If you buy in Michigan you may be there longer than anticipated..!

Posted by: eva at 01/10/2010 03:32:03 PM

read a lot of your comment and nobody said anything about Montana. It is a beautiful state-- friendly people and good food if you cook. reasonable living cost. I lived in Fla. for 20 years hated it am so glad to be alive in Montana

Posted by: Mike at 01/10/2010 11:53:58 PM

I have thought of Idaho as a possible retirement place. Does anyone have info on the state?

Posted by: Paul Meyer at 01/21/2010 03:11:10 AM

I bought a home in Anchorage twenty years ago and thought I would retire therre. The taxes on my personal home have risen about 600 % ithe past dozen years. The local gdvernment is out of control and taxes anything it can get it tenacles around. You would think that taxing the oil companies a combined rate of 85% would be enough? No amount is enough for these people. They are generous with themselves. Over half of all municipal workers are paid over $100,000 per year, some much more....they give themselves a generous retirement plan too. The private sector is driven inot the street while public servants have become our masters. I am forced to sell out. Is this not criminal?

Posted by: Rick at 01/21/2010 10:38:10 AM

True Texas has no income tax but they rape you on other taxes and essentials. My tax on a 180k house is 5500. 60% from school tax. sales tax is north of 8% depending on which county and city you buy things in. Insurance for car and house is among the highest in the nation. I love Texas but will be looking elsewhere to retire. For retirement I dont care how much the hit me for income tax since I will probably be in the lower bracket anyway. I will want my insurance and real estate taxes low...

Posted by: Girmaye at 01/24/2010 12:06:41 AM

I prefer states which have better climate without snow and states those encouraging senior citizen at most. Basically most states collect the amount of money they need some use a multifaceted approach trying to balance tax on income, real estate, and sales Property taxes. In general what ever tax is there I prefer the safe guard place for me and my families as well. So what is that state?

Posted by: Luis Diaz at 01/25/2010 01:33:32 PM

I LIVE IN BOCA RATON, FLORIDA AND GET A PENSION FROM MEXICO WHICH IS NOT TAXED.

Posted by: . at 01/28/2010 03:35:01 PM

I am retiring in Fayetteville Arkansas, leaving California for good...

Posted by: Renee Miller at 01/28/2010 07:56:52 PM

(We're) looking for a warm climate for a vacation home and maybe for permanent. We have a 5 year old daughter so looking for a place with a great school system and low crime rate. Looking into Florida since we travel there twice a year and love it. Any recommendations? Also, would like to stay out of the high flood/hurricane areas. We know there is always that chance in Florida but sure some areas are better than others.

Posted by: s & C Burnett at 01/30/2010 02:41:12 PM

Does anyone have anything to say about a pleasant part of Wyoming to move to? We want to go to an inexpensive state so that we can live as we like. We like the country and do not need city entertainment. Presently we live in mid state NY and it is very expensive.

Posted by: Lee at 02/01/2010 01:16:45 PM

Texas is one of the highest taxing states in the nation. Don't let the "no-state-income-tax" fool you. Additional taxes by municipal, county and state sales taxes plus state fees add up. Depending upon which inclusions are imposed to the property taxes by municipal and county public institutions (libraries, junior colleges, hospitals and schools) can more than quadruple the property tax bill. Fees and taxes to utilities, communication and transportation operations also add up. Roads and toll roads are additionally taxed beyond the toll fee. I do not want to, but Texas taxes and fees may force this native Texan out.

Posted by: Sharon at 02/01/2010 08:28:40 PM

Many have commented regarding the different taxes in different states, if you add up all the taxes in each state, you'll find all are similar in the end. You are going to pay higher taxes in urban areas because of what is offered and someone has to pay for these things and they also make your property worth more regardless of the economy. Government in all places/states/cities/counties is out of control; spending like the bucket has no bottom; with ten people to do the job of one. (Gives them plenty of time to give themselves manicures....yes, witnessed) Wages for public employees are supposed to compare with wages in the private sector...is everyone laughing yet....in reality their wages are as much as twice or more than someone in the private sector. Then they receive multiple retirement funds and complain about paying taxes, which most of us will cotinue to pay so they can get their multiple retirement monies. Someone else said they have become the masters, so true. Not including Veterans in this, don't consider them government employees, and for what they have given each and everyone of us, Thank you and welcome to whatever you can get....tax-free. So you are going to pay for what you want, urban area, culture, good schools, good health care, etc, gonna cost you. Land, fresh air, trees...definitely not free but usually cheaper. Decide what you want, then decide what you are willing to pay for it.

Posted by: pat at 02/01/2010 10:21:59 PM

florida was my dream place in 2003 but not any more, beside the property tax, the house insurance is very expensive, I moved here in 2005 but is thinking of heading back up north. I wish I knew a cheaper state to live. My best choice is in the carribean.

Posted by: NORMA at 02/03/2010 09:25:41 AM

NOT MUCH WAS SAID ABOUT ALABAMA.. WE MOVED HERE AND BUILT A HOME IN 2007.OUR TAXES ARE ABOUT $300.00 A YEAR (WITH THE HOMESTEAD EXEMPTION) AND $700.00 FOR INSURANCE. WE OWN 9 ACRES AND A PRIVATE LAKE. WE ARE CLOSE TO GEORGIA AND BUY A LOT OF OUR GROCERIES THERE. THE SALES TAX IS 2%. I MISS MY FAMILY AND WE ARE SELLING AND MOVING TO VIRGINIA.. IT'S HARD TO BEAT THE TAXES WHEREVER YOU GO, BUT YOU CAN FIND WAYS. LEGALLY

Posted by: Catherine at 02/03/2010 03:52:52 PM

My Daughter and her husband received a revised mortgage (forgiveness) of approximately $130,000. Do they have to pay California State taxes on the portion that was forgiven? I didn't think so, but you never know???? Can you answer this for us?

Posted by: laurissa at 02/03/2010 04:06:10 PM

i live in brooklyn and i go to transit tech highschool and im doing a project in my career finance mangement class and i need to know where would be the best place for a person in brookyln to live in or retire in dealing with the taxes situation???

Posted by: David at 02/04/2010 09:34:53 AM

Not mentioned, here in Virginia, there is a corrosive tax on any personal property that is owned, this includes cars, trucks, motor coaches and watercraft. There are also very high fees for doing routine modifications to a dwelling in some counties. They also tax your pension regardless of whom it comes from.

Posted by: Donna at 02/04/2010 11:20:00 PM

Does the state of Idaho tax your pension? How does the Idaho Homeowners Exemption help us if we are living in our primary residence when filing taxes?

Posted by: nick badalucco at 02/05/2010 09:18:23 AM

Iam a union residential electrician and looking to relocate from ohio. cCan you tell me me best states for my profession to find a job?

Posted by: Obed at 02/05/2010 07:37:44 PM

If I move to Arizona from California. I am on disability scrs retirement. This is derived from federal service. What do I have to do to file with Arizona when I am not working?

Posted by: Sarah at 02/05/2010 11:56:04 PM

Live in Illinois, 15 minutes north of Chicago. I LOVE everything about Chicago except January & February. Sales tax & Property taxes are very high in Cook County (referred to as CROOK County). Over $8,000 on a property valued at 350K. That does go down significantly in retirement but it still hurts now. By the way Austin TX is very nice. Has culture, nice shopping, lovely lakes. Sounds like that may be a good alternative. Note: Illinois has high taxes but they don't tax pensions, no inheritance taxes either... so in all not too bad.

Posted by: Roy at 02/06/2010 02:54:39 PM

EIdahonter your comment Stay away from Idaho It is bad in every way We have too much of you people moving here and raising our housing and ruining our land. If you dont like californians you wont like it here as most of them have moved here and are trying to change Idaho to be like california. Beware

Posted by: Pamela Crombie at 02/07/2010 12:06:38 PM

We live in Illinois and own a small mixed use building in Chicago. This has been our main source of income. Cook County has just imposed a new asessment (this is the tiennial year for our township) of nearly 3 times the prior assessment, in other words 300%. Current assessor opinion of the value or our property is nearly 3 times what the building is worth. As real estate values have dropped the assessments have only dropped for newly sold properties. The assessor is tagging those of us who have held onto our properties with a higher value. The really bad news for us is that the tax bill from this assessment will be 90% of the income of the building. We will not be able to even pay the mortgage.. We have an appeal in but this has usually falled on deaf ears, although eventually we will do better at the state level. In the meantime we will go broke. Did I mention that we have a vacancy of our main commericial space for the past year?

Posted by: linda torres at 02/10/2010 11:34:20 AM

Planning retirement and was told that Puerto Rico is one of the best place to live and taxes will be minimal. Is this correct?

Posted by: Jan at 02/11/2010 06:18:53 AM

My husband (retired) and I are contemplating a home purchase in Gettysburg, PA. Any comments to share? Pros/cons of PA living in this area? Thanks!

Posted by: Kelly at 02/18/2010 03:45:08 PM

If you are looking for a scenic location with extremely low property taxes during your retirement, check out Durango, Colorado. There are many seasonal and outdoor activities, plus a nice symphony at Ft. Lewis College.

Posted by: Kelly at 02/19/2010 03:32:18 PM

If you are looking for a beautiful retirement location with extremely low property taxes, check out Durango, Colorado. The annual rate of taxation for property taxes is about 0.002% of the assessed valuation. Compare that to places in Texas where the rate of taxation can exceed 3%. That's 15 'xs higher in Texas, folks! La Plata County (Durango) is able to keep taxes low for property owners because the county taxes the nearby natural gas wellheads and plants. Durango has a liberal arts college with a nice symphony, many recreational activites, an abundance of fun seasonal events, and plenty of clean air.

Posted by: nc TAX at 02/20/2010 05:02:43 PM

we pay more tax so our ex-gov. can pay his legal fees

Posted by: Jim at 02/20/2010 07:17:29 PM

You indicate that PA does not have an estate tax. However, they do have an estate tax, but they call it an inheritance tax. Estates are taxed from the first dollar. If an estate is left to a non relative, PA will take 15% after funeral expenses. PA is not a good place to die unless you are dirt poor.

Posted by: Jeffrey at 02/21/2010 02:09:09 AM

Our son who is a senior at James Madison University in Virginia will probably stay in VA. and live there. Where exactly, we don't know. Are there any cities in VA. where life is truly better than here in New Jersey? If/when our son has children, my wife will want to move closer to our son, which is all right by me. Being a stroke survivor, I take anti- coagulants, so, i won't miss the nasty winters nor the snow and accompanying cold! Therefore, if Kiplinger's has anything in Virginia that's reasonable, what a concept...

Posted by: Divyaprema at 02/22/2010 12:58:05 PM

I have been living in Fl. for the past 20 yrs. North Central Fl. is still Ok. There are many bargains in housing available plus all the foreclosures. Nice mix of locals and East Coast people in Central Fl. Salaries are low;very few with benefits. Almost no unions. No job protections or security. Consumer law protections do not exist. To Renee Miller: Schools are not like up north. Fl is generally ranked 49/50 in most areas. There are 3 school systems that are better: No. Sarasota, Gainsville and West Palm but these are expensive areas to live.. Good students do well but services are limited for any special needs. Tuition is free at Fl. universities with a B adv. or higher. See:Bright Futures Scholarships and there are several good universities here. If you want to avoid the high price of homes and taxes, try renting. I am paying $975. for a new, energy efficient home including cable, internet and fees for the pool, gym and 18,000 sq. ft. common area. Point: High RE, sales and other taxes are deductible on your federal return. Fl. has no income tax.

Posted by: Maxi at 02/22/2010 06:57:08 PM

Here we are. After paying all the required taxes and budgeting our more or less average income, to have a little comfort in our lifes, we seem to be forced to move to a diffent area/state once we reach retirement age and not able to work any longer. It's like taking out an old tree and plant it somewhere else, hoping it will root and grow well. Planning our retirement early and saving money for it ,does not alway work out the way we want. Life is so unpredictable and often along the way we need to take the saving to survive when unemployment, health issues etc. hit us. Now, government is taking lots of our tax money to distribute it to the wellfare receipient. Most of these people have never worked and paid any taxes. Some of them just know how the system works and that the government (we the working people) will take care of them. Getting a free ride through life. Do these people have the same problem, asking themselve where they move to once they "retire"? The American alway have taken care of there people if through charity or churches. Since the government is involved taking and giving it looks like we have more and more people in need and poor population is growing, while the retiree's who have worked their entire life have to find a new place to live comfortable if this is even possible. Isn't there anything wrong in this picture?

Posted by: john baker at 02/23/2010 02:50:44 PM

Are Social Securiety payments subject to federal tax?

Posted by: Lieselott H. Aldrich at 02/23/2010 02:58:59 PM

When I retired from County employment in CA at 67, my full social security benefits, which I had been collecting since I turned 65, were reduced by nearly $300.00 per month. This was due to the unfair "double dipping" and "Windfall Elimination Provision." Can anybody tell me who receives the money that I lost? So far nobody has ever come up with an answer.

Posted by: pete at 02/23/2010 03:09:22 PM

What about Puerto Rico; are there any retirement benefits advantage living there?

Posted by: Mary at 02/23/2010 03:52:48 PM

Minnesota is not the place for retirement. We are looking into other states when that time comes which is close.

Posted by: lee at 02/23/2010 04:18:51 PM

this is interesting...

Posted by: Sandy at 02/23/2010 05:09:14 PM

Texas has higher property taxes compared to say... Washington State, but the sales tax rate is lower. Plus Texas freezes your property taxes when you turn 65. That is hugh since we moved from Washington to Texas because our real estate AND sales taxes were increasing. In Washington state you can actually get taxes out of your house since they keep raising valuations arbitrarily.

Posted by: gar at 02/23/2010 05:22:33 PM

Dont come to Ohio, they tax everything and the put a surtax on that. If they could find a way to tax you when you fart for wasted gas they would. Ted Strictland is not for the pepole he is for high cost goverment and unfair taxes...

Posted by: Robert Gillies at 02/23/2010 05:52:21 PM

Tennessee has a 6% tax on dividends and interest. You could be living on a relatively low income but pay high taxes if most of it came from interest or dividends. I presently live in the Republic of Panama which uses the US dollar but has low taxes. The only better place tax-wise might be Alaska but you would suffer from the cold.

Posted by: P-O-Y at 02/23/2010 05:53:53 PM

I can't wait to leave Illinois. The...politicians here are really beyond belief !!

Posted by: Sheri Floyd at 02/23/2010 08:41:57 PM

NC is perfect for retirees. My father moved there and his tax on a house and 40 acres was less than $600 per year. (They tax farm land lower than residential land) My car tag in NC was $20 but went to $150 when I moved to SC. Sales tax is about the same in both states. Our farm is near the GA/NC/TN borders so we get to enjoy all 3 states. Four seasons, a little snow, small town living.....Come to Murphy, NC. You'll be amazed at the low prices on real estate. I just had to cut my price in half (from $225,000 to $120,000) for our house with 3 acres to be more competitive with nearby comps. If you want a deal, check out the properties in Murphy, NC...

Posted by: Bruce at 02/23/2010 10:07:37 PM

Louisiana - One of lowest property taxes??? You might want to Ck again. mine are almost as high as Texas. My property taxes are $3500, for similar in TN (where I have a lot for a retirement home) is about a third of that!

Posted by: Roma at 02/24/2010 12:34:08 PM

I lived in California and receive a social secuirty pension from both here and the U.K. I note that I pay Federal but not State Tax on this income. I also receive a government social secuirty from the U.K. which has the maximum withholding - over $300.00 taken off each month - inequitable windfall tax (not in U.S. long enough - total pension less than $2K per month). Realize I must pay Federal tax on my California Social Security and also the U.K. pension and that State tax is not payable on my California State Pension but do I have to pay Ca State tax on my social security pension from the U.K.? Hoping at I'm losing about 25% on windfall penalties... hope not!

Posted by: Joe at 02/27/2010 10:00:58 AM

It's true that NH has no state income tax or sales tax. However, they have very high property taxes, including a "view" tax. The state also provides no free services. You pay for everything. If your house catches on fire, be prepared to put it out yourself.

Posted by: Elizabeth at 02/28/2010 11:45:03 PM

I'm behind with my credit cards payment. Can the bank put lien on my property? I live in Florida...

Posted by: John at 03/01/2010 03:54:52 PM

I am selling my house in FL. I plan to travel the world spending a few months in various countries renting a studio. I shall probably base myself in Mexico eventually. If I use my daughter's mailing address in Georgia or get a GA license and car insurance for when I'm visiting the States, must I pay GA state income tax? I'll need a US address for a variety of reasons, one being that I won't be in most countries for very long. Thanks for your input. your comment

Posted by: Dean at 03/06/2010 10:34:04 AM

Live in Washington state.... NO INCOME TAX. Shop for everything in Oregon (just 85 miles away)...NO SALES TAX

Posted by: Jeri Davis at 03/06/2010 01:27:09 PM

My Mother-in-Law wants to sell her house in South New Jersey and move to Oklahoma. She only has social security, a small pension from her late husband that also pays her secondary health insurance. She is a young 81 years of age still living independently. If she uproots to Oklahoma will her social security be readjusted to a lower cost of living state? She was born and lived in New Jersey all her life. My husband and I are in our 60's. We feel that it will be a culture shock to move her and have to start over building a social network and get all new doctors for her health care. We feel that she is lonely, and needs to build a better social network of friends and care-givers and stay in New Jersey. She could downsize to an apartment, but cannot afford an assisted living center. Do you have any sugestions, or where we could get some help in accessing her needs?

Posted by: Steve at 03/06/2010 02:35:06 PM

I cannot answer all questions about Wyoming, but here are a few of my observations during my four years living in the Sheridan area (I'm 60 years old). --Retail prices are relatively high -- I'm guessing that lack of competition and transportation costs are primarily to blame. --Fuel costs are (relatively) reasonable (gasoline is $2.39/gal. today). --BAD NEWS: many who were born and raised in this area cherish their animosities toward those who have moved here from elsewhere (". . .damn lib-ruls. . ." is label applied by those who consider Dick Cheney a god). GOOD NEWS: enough of us were born elsewhere that I wouldn't be surprised if we are in the majority. --If it didn't snow here, there would be way-y-y-y too many people moving here to maintain a relatively good quality of life. --No state income tax and no state sales tax on food really help stretch my income, which has plummeted with the hit that Wyoming's energy industry has taken recently. --Housing costs are high, by my standards; but if you're from Southern California or the East Coast housing may seem quite affordable. --Influx of those from Michigan, Texas, etc., has diminished, and perhaps even been reversed with people leaving the state as unemployment has risen from between 1% & 2% to almost 7%. --University of Wyoming in Laramie is state's only 4-year college.

Posted by: carol at 03/06/2010 04:46:13 PM

HEy How about a condo 900 sq ft with a tax of $3,,000.00 a yr. Great Savannah Ga

Posted by: Ray Joiner at 03/06/2010 10:05:38 PM

In response to John Baker who asked if Social Security benefits are subject to federal taxes, it depends on how much other income you have. If you live on Soc. Sec. alone, none of it will be taxable. And at most, 85% of the benefits are taxable, no matter how rich you are.

Posted by: Casey at 03/06/2010 10:09:50 PM

Unless you are rich and want to go broke stay out of NJ. My house is 850 Sq.ft. on 1/2 acre of land and this year my property tax went up to $9678.00. We also have sales tax of 7% and taxes on damn near everything else too!!

Posted by: Rock DeAugustine at 03/07/2010 04:54:25 AM

...in addition to the no sales or income tax in Alaska, there are three programs that make it an ideal retirement spot. First, they pay you to live there!(Permanent Fund). Often this is enough for a couple to pay several months mortgage. Second, veterans get 25% any land purchased from the state; third, any veteran w/ a disability pays no property tax on the first $150,000 of their home. But everyone gets that yearly payment; take that and the fact that it might be the only state where you can be downtown in the largest city and catch a wild sockeye, and you have me sold.

Posted by: Bill H at 03/07/2010 10:16:15 PM

We have lived in several states during my corporate career and enjoyed all of them. We are entering our retirement years now and moved to north Alabama to be near grandchildren. This is a much nicer area than most people would expect and real estate taxes are very low ($1,350 on a $400k home). Insurance costs on autos and home are also very low Utility costs are much lower than other states we have lived (TX, NC, GA. The educational level of residents of the greater Huntsville area is quite high and it is an area people may want to check-out. We did and made our selection and have been very pleased.

Posted by: Mick at 03/10/2010 10:21:35 AM

Because each person's situation may be different it means the advantages of one state/city/municipality can be different. The very best advice is to isolate a state(s) and look into the tax situation in depth. Some states are losers for just about anyone, but many have advantages that will vary based on your financial situation. I lived and worked in WI and found it to be a nice place to live but a tax hell for me. I'm now in AZ and find just about everything tax related to be better. But sales taxes vary significantly. Do your research.

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Posted by: Dave at 09/23/2009 11:26:19 AM