Moving from New York
to Austin.
1622 New York tax returns moved to Travis County in the IRS 2022-2023 migration year, with an average AGI of \$135,174. NYC has the highest combined state-and-local income tax of any major US city. The Texas savings are largest from NYC and largest of any state move at moderate incomes. The eat-back depends on whether you came from NYC (renter, big income tax savings) or Westchester (homeowner, sometimes saves on property tax too).
Should I move from New York to Austin?
NYC has the highest combined state-and-local income tax of any major US city. The Texas savings are largest from NYC and largest of any state move at moderate incomes. The eat-back depends on whether you came from NYC (renter, big income tax savings) or Westchester (homeowner, sometimes saves on property tax too).
At a $150,000 single-filer salary, the Texas tax savings against New York are roughly \$14,121 a year. At a $300,000 married household, roughly \$29,654. The Texas property tax and homeowner insurance eat back $7,000 to $17,000 a year on a typical Austin home, depending on home price.
New York median rent: \$4,100/mo for a 1BR. Median home: \$850,000. Austin: \$2,180/mo and $842K. Run your specific numbers →
Looking for the editorial deep-dive?
This page is the New York-to-Austin SEO landing page with the calculator and the data. For the full editorial archetype with original IRS county-by-county analysis, the Reddit citations from named usernames, and the deep cohort breakdown, read New York to Austin: the deep-dive guide.
New York has graduated 4% to 10.9% (plus NYC 3-4%) state income tax. Texas has zero. The honest delta is smaller than the headline.
The New York-to-Austin move pencils for households who can absorb the Austin housing-cost premium and benefit from the state income tax flip. NYC has the highest combined state-and-local income tax of any major US city. The Texas savings are largest from NYC and largest of any state move at moderate incomes. The eat-back depends on whether you came from NYC (renter, big income tax savings) or Westchester (homeowner, sometimes saves on property tax too).
The full math depends on your specific income, your home price, and whether you rent or buy in Austin. The cost-of-being-you calculator on our cost-of-living page models federal tax, FICA, Texas state-and-local taxes, housing, utilities, auto insurance, and sales tax against your origin state. Run it with New York as the comparison baseline before you commit.
Where do New York transplants live in Austin?
The neighborhoods most New York transplants land in.
For most under-40 transplants, the dense corridor: East Austin, Hyde Park, Mueller, and South Congress. For families with school-age kids, West Lake Hills for Eanes ISD, or the northern suburbs for Round Rock or Leander ISD at lower house prices.
Run the calculator. Read the deep guide.
The financial case for moving from New York to Austin depends on your specific salary, your specific home price, and whether you can absorb the Austin housing premium. The lifestyle case depends on whether you can absorb the four-month indoor summer and commit to one structured repeating activity by month six. Both cases are easier to evaluate with the actual numbers.
Run the cost calculator against your specific income and home price. Read the full Austin guide for the editorial context. Check the four archetype guides: moving in your 20s, moving with kids, moving from California, moving from New York.