🇺🇸 Retire in United States
Tax rates, cost of living, special programs, and top cities for international investors and retirees.
Tax system
worldwide
Cheapest city
Wichita ~$1,620/mo
Tax System Overview
The US taxes worldwide income. Investment profits held over a year get lower rates (0-20%). There's an extra 3.8% tax on investment income above $200K. State taxes vary — Florida and Texas have none, California goes up to 13.3%.
- ✓No wealth tax
What Would You Pay?
Estimated annual tax on different levels of investment income (capital gains + dividends + interest):
| Annual Investment Income | Estimated Tax | Effective Rate |
|---|---|---|
| $50,000 | $0 | 0.0% |
| $100,000 | $1,583 | 1.6% |
| $200,000 | $12,095 | 6.0% |
Assumes 60% capital gains, 25% dividends, 15% interest. Actual tax depends on your specific income mix.
Sources — United States tax data
Last verified 2026-04-29
- Tax Foundation — 2026 Tax Bracketsaccessed 2026-04-08
- Fidelity — 2025/2026 Tax Bracketsaccessed 2026-04-08
- NerdWallet — Capital Gains Tax Ratesaccessed 2026-04-08
- Tax Foundation — 2026 State Income Tax Rates and Bracketsaccessed 2026-04-29
- Hawaii Revised Statutes § 235-51accessed 2026-04-29
Top Cities in United States
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Tax rates and programs are subject to change. Information is current as of 2026. Always consult a qualified tax professional before making relocation decisions.