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Thinking about moving to another state? Whether it’s for a fresh start, a lower cost of living, better job opportunities, or just a change of scenery, relocating is a big decision. But in today’s political and economic climate, there are even more factors to consider before you pack up and go. And you want to make the best decision for you and your family.
The state you choose to move to can impact everything from your taxes to healthcare access, job prospects, and even your sense of safety and community.
Here’s how to move while keeping your financial and personal well-being in mind:
1. Understand the Cost of Living Beyond Rent
I want to help you think beyond rent in a new state or mortgage costs because the cost of living is more than just housing.
Here are three things to consider:
- State taxes: Some states have no income tax (like Texas, Washington, Nevada, Florida, and others), while others have high taxes that could affect your take-home pay.
- Healthcare costs: Depending on the state’s policies, health insurance and medical services may be more or less affordable.
- Utilities and transportation: Gas prices, electricity costs, and public transportation availability vary widely by location.
Before you decide where to move, research the full financial picture to make sure your new state aligns with your budget, lifestyle, and wants.
I moved from San Francisco, California, to Washington State, and moving automatically gave me and my husband roughly a $1,000 increase each in our paychecks. California state has one of the highest state income taxes! It is insane!! Washington State had no state income tax, so we immediately raised our income.
You want to check with your job to see if you can keep your salary when you move states. Often, jobs adjust their salaries depending on where you move to.
2. Check Job Opportunities and Worker Protections
If you’re moving for work, it’s important to understand the job market in your target state.
Some states are booming with tech, healthcare, or just more opportunities, while others may have higher unemployment rates or lower wages. Getting hired before the move might be ideal!
Also, consider labor laws and worker protections:
- Does the state have a higher minimum wage?
- Are there strong worker rights and protections, like paid leave or anti-discrimination laws?
You want to make sure you’re not taking a step backward in your career or financial stability.
Build a comfortable emergency fund so that if anything happens with your job in your New State, you can find your next job without stressing over your finances.
3. Consider the Political and Social Climate
Having this topic in your mind is hard when moving alone is stressful enough! But now more than ever, it is important to take into account your values and the community you want to have.
- Reproductive rights & healthcare access: Depending on where you move, access to specific healthcare services may be limited.
- LGBTQ+ protections: Some states have strong anti-discrimination laws, while others do not.
- Racial and ethnic diversity: If living in a diverse, inclusive community matters to you, look into demographics and local policies.
You want to feel safe and welcomed in your new state, which is just as important as finding a place within your budget. This is the state that you will call home for a long time so finding your community and sense of belonging is important.
4. Research Housing Markets and Availability
Are you thinking of renting or buying? The real estate market has been unpredictable, with some states seeing price drops while others are still competitive. Whether you buy or rent, research location, transportation, activities, etc.
If you’re renting, be aware of:
- Tenant protections: Some states have strong rent control laws; others do not.
- Availability of affordable housing: High-demand areas may have long waitlists for rental units or inflated prices.
- HOA and property tax considerations if you’re buying a home.
Be mindful that a state with low rent may not be a good deal if protections are weak and rent hikes are common. Rent increases can be very high in some areas.
A tip to remember is to use 30% or less of your income on housing.
5. Visit Before You Move
Visit your potential new state before making the move. Walk around neighborhoods, check out grocery stores, visit coffee shops, and get a feel for the daily life. A simple walk around the neighborhood you are considering will give you a glimpse of how your neighbors are.
I moved to a neighborhood with many parks for children, and the neighbors waved hello when they passed by! They are extremely friendly!
Ask yourself:
- Can I see myself building a life here?
- Are the communities welcoming?
- Does it feel safe and comfortable?
Researching online is helpful, but nothing compares to experiencing a place firsthand. Take that flight at least once before committing to your new neighborhood. It can make all the difference.
6. Plan for the Unexpected
All the tips above are important, but this one might be my number one! And it should be yours too!
Relocating is a big financial commitment, so you must have a safety net.
This includes:
- An emergency fund: Aim for at least 3-6 months’ worth of expenses before moving.
- A relocation budget: Account for moving costs, deposits, travel, and any time off work.
- A backup plan: How will you pivot if things don’t work out? Having a plan B can ease stress and make the transition smoother. Do not be scared of a plan B. Sometimes, it ends up being the plan you needed in the first place. Pivoting is okay!
It’s such an exciting time! I truly loved my move out of California.
Moving out of state can be one of the best decisions for your finances, career, and overall happiness. But in today’s political climate, it’s important to consider more than just a new job and rent prices. You want to be able to thrive at your new location, so please do your research.
I moved from San Francisco, California, to Washington State, and I absolutely love my move! It’s been three years!
Where are you planning to move to? Let’s talk in the comments!
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