Decide Whether to Move

True Cost: Compare Real After-Tax Cash Flow and First-Year Costs

This pathway compares actual after-tax cash flow and first-year costs using transparent, auditable inputs. Every assumption is exposed so you can verify it with your own numbers.

What This Pathway Covers

This page is being developed. In the full guide, you will find:

Side-by-side income tax comparison. California's progressive rates (top bracket 13.3%) versus Texas's zero state income tax, with your specific income level.
Property tax projection. Millage rates for Kendall, Bexar, and Comal counties applied to your target price range, with homestead exemption factored in.
Housing cost delta. Price per square foot, insurance, HOA dues, and maintenance costs for comparable homes.
First-year transition costs. Moving expenses, duplicate housing, travel, vehicle registration, utility deposits, and professional fees.

Professionals to consult: A CPA or tax professional to model your full tax picture across both states. An insurance agent for property, auto, and umbrella quotes. A financial planner for portfolio and retirement account considerations.

Ready for the numbers?

Return to the Start Here hub or explore our existing cost comparison guides.

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