💰 California → Nevada Cost Calculator

Reno Home Buying: Calculate California-to-Nevada Cost Savings

Estimate annual & multi‑year savings from moving your home purchase from California to Reno, Nevada — including income tax, property tax, mortgage payments, and optional investing of savings.

Inputs

Income & State Taxes

Use your estimated effective state income tax rate for CA. Nevada has no state income tax.

Annual taxable income (USD)

CA effective state income tax (%)

NV state income tax (%)

Home Prices

Estimate comparable home cost in CA vs. your Reno target.

CA comparable home price Reno/NV target home price

Down payment (%)

Mortgage rate (%)

Term (years)

Monthly HOA/PMI difference (optional)

Property Taxes & Other

CA property tax rate (%)

NV property tax rate (%)

Other annual savings (commute, insurance, utilities)

One-time moving/transition costs

Horizon (years)

Assumed investment return (%)

Inflation (for real $ calc) (%)

Results

📆 Annual Savings

Income tax savings$0

Property tax savings$0

Mortgage P&I savings$0

Other annual savings$0

Total annual savings$0

Mortgage savings compares P&I on CA vs NV prices at the same rate/term plus any HOA/PMI difference you enter.

🎯 First-Year Impact

One-time moving costs-$0

Down payment freed (CA − NV)$0

Net first-year savings$0

“Freed” down payment is capital preserved by buying the lower‑priced NV home at the same % down.

⏳ Multi‑Year Value

2025‑Adjusted total (real $)$0

Future value if savings invested$0

Total value (incl. freed capital growth)$0

Assumes annual savings invested at your return rate; includes growth of freed down payment.

Breakdown

Modeled payments & assumptions

CA loan amount$0

NV loan amount$0

CA monthly P&I$0

NV monthly P&I$0

Annual property taxes (CA vs NV)$0 / $0

This tool is for illustrative education only and is not tax, legal, or financial advice. Enter your own values and consult qualified pros for your situation.