Nova55Living › Colorado Springs › Moving from Texas
Texas has no state income tax, which sounds like a major advantage. But Texas property taxes average roughly 1.6%–1.8% effective — versus El Paso County’s ~0.47%. On a $600,000 home, that gap alone is $6,780–$7,980 per year. For most Texas retirees moving to Colorado Springs, the property tax savings exceed the new income tax burden.
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Talk to a Specialist →| Item | Texas | Colorado Springs |
|---|---|---|
| State income tax | None | 4.40% flat |
| Military retirement | None | Up to $24K subtraction at 65+ |
| Social Security | None | Partially; coordinated w/ pension subtraction |
| Pension / 401k | None | Up to $24K subtraction at 65+ |
| Scenario | Texas (est. 1.7%) | El Paso Co (~0.47%) | Annual Savings |
|---|---|---|---|
| $400K home | ~$6,800 | ~$1,880 | ~$4,920 |
| $600K home | ~$10,200 | ~$2,820 | ~$7,380 |
| $800K home | ~$13,600 | ~$3,760 | ~$9,840 |
A Texas retiree at age 67 receiving $36,000/year in Social Security and $24,000 in pension income pays roughly $0 in Texas income tax but $10,200/year in property tax on a $600K home. In Colorado Springs, the same retiree pays roughly $1,000–$1,500/year in state income tax (after the $24K pension subtraction and depending on SS coordination) but only ~$2,820 in property tax. Net position: Colorado Springs often wins by $5,000–$7,000/year on combined state tax burden.
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Texas retirees generally move to Colorado Springs for two reasons: escaping Texas heat (Colorado Springs rarely exceeds 90°F in summer; Texas regularly exceeds 100°F) and lower humidity. The trade-off is altitude (6,035 ft, more than a mile above San Antonio or Houston) and real winter weather. Prepare for snow; it is real and it does require clearing.
Connect with a specialist who knows this market from the inside — real cost math, honest community comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder.
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