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Full Version: CA, AZ, or NV Residency?
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I'm getting closer to deciding where I'll land the plane when I come back to the states. So far, Nevada. Why?

Based on an income of around $24,000 a year, and a 10 year old van I fix up, I could live a pretty nice life on the road. That might be asking too much, but it's a goal. Here are the three areas I think could affect my life and the difference in cost between them. 

Gas Prices - If I'm going to save 18% by spending more time outside of California then that might be the deal breaker right there.
Car Repair Costs - Labor costs in California are going to make car repair more expensive. I'd save at least 11% in Nevada and Arizona.
Car Insurance -  This is a big one. Can I really save over 30% outside of California?

So, just those three costs alone make me think "residing" in Nevada is best. Add in the lack of income tax, reasonable car registration, and the fact that a visit to the state means I get to eat at cheap buffets...I'm in.

Your thoughts?


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Gas Prices
http://gasprices.aaa.com/
California $2.70
Arizona $2.20
Nevada $2.50

Car Repair (Labor Cost)
http://wpri.com/interactives/average-car...-by-state/
California $1027
Arizona $957
Nevada $908

Car Insurance Rates
http://www.insure.com/car-insurance/car-...on/results
California $1,800/yr
Arizona and Nevada at around $1,200/yr

Car Registration and Title

California 
$46 plus additional fees based on the type of vehicle, license plate type, and the owner's county of residence and driving record.yearly

Arizona
$8 ($8.25 in Metro Tucson and Phoenix) + $1.50 air quality research fee + vehicle license tax (assessed value of 60% of the MSRP - reduced by 16.25% each year) every one or two years

Nevada
$33 yearly + Title $28.25



Taxes (Based on ~$24,000 Gross)

Federal 6% (15% Bracket)

Income Tax
http://taxfoundation.org/article/state-i...ckets-2016
California 4%
Arizona 3.5%
Nevada 0%

Medicare 1.45% Set Rate
Social Security 6.2% Set Rate

Health Insurance
The tax penalty for those without health insurance is also set to increase in 2016 from $325 per adult or 2 percent of household income to $695 or 2.5 percent of household income, reported the The New York Times.

http://kff.org/interactive/subsidy-calculator/
Looks like health insurance is pretty much the same in every state, somewhere around $100 with the tax credit. I'm not sure about deductibles and access to health care, doctors, and treatment. That's another question for another day.
The county you register your vehicle in Az will matter. Phx and Tucson have emission testing and they mail you the tags. Must be done every (or every other) yr depending the age of the vehicle. Flagstaff, no emissions and you can buy your tag for several years. So unless you want to go to the city every year, during the same month for the testing and pick up tags at one of the DMV offices .......

Insurance is also less expensive in rural or less populated zip codes.
Nevada doesn't have a state income tax.
you should also look into South Dakota, Texas, and Florida.
Remember, just because you're a resident doesn't mean you'll spend time there. I'm spending this summer in Oregon, tremendously enjoying not paying any sales tax. Gas is in-between in prices and I get all the benefits of being a Nevada Resident=-no sales tax, no income tax.
Bob
I have no idea what state you *should* choose, but I would say "not California".
It's expensive and you'll need to have your vehicle pass a smog check.
Parts of Arizona have among the cheapest insurance rates in the nation. The big cities cost quite a bit more.
(09-12-2016, 03:44 PM)akrvbob Wrote: [ -> ]Remember, just because you're a resident doesn't mean you'll spend time there. I'm spending this summer in Oregon, tremendously enjoying not paying any sales tax. Gas is in-between in prices and I get all the benefits of being a Nevada Resident=-no sales tax, no income tax.
Bob

Bob -- what's Nevada's jury duty policy?
Sorry, I don't know. I've never been called in 8 years.
Bob
The car regis & title fees listed do not represent the initial first year's costs for CA and NV. I know nothing about AZ.

Both NV & CA are more expensive for bringing a vehicle into the state than the figures shown.
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