Military Nesties
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Talk to me about changing your state residency.

When you move, do you generally keep your residency in the military member's home of record, or, do spouses generally "move" to the new state?

I've never moved my residency from our home of record, but am seriously considering it for this move.  We would save money in taxes, and no longer own property in our home of record, so I'm not seeing why I have to keep it any longer.  I'd have to change my DL, but that's all I'm seeing; also, I'm working in the new state.  What am I not thinking about? 

Re: Talk to me about changing your state residency.

  • NSLNSL member
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    I've always changed my residency. There's really not much to it, and no real downside if income taxes re lower than in your previous home of record.
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  • I pay no state tax if I change my residency to where I'm living as opposed to where I am a resident (6%). BUT I have special cirumstances where I may move back and go to school so it's cheaper for me to pay state tax than out of state tuition.
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  • I have no plans to ever change my residency as long as we're a mil family. I feel indebted to the public schools I went to from K through college, and to the state parks I grew up in, and I'd like to pay that forward.
    I've seen a lot of military surprise homecomings. It wouldn't work on me. I always have my back to the corner and my face to the door. Looking for terrorists, criminals, various other threats, and husbands.
  • I've never changed it, but the last few locations have been overseas.  I actually changed it to be his HOR the first chance I got.  I don't plan on changing it ever. Our first year of marriage we had to file in 3 states.  No thanks.  It would always be at least 2 if I were different than him.  I'm pretty sure our income isn't taxed in his HOR state anyway.

    You can change as you go along, but you can't just choose a random state.  You have to be stationed where you want to reside. 

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  • We both changed our state of residency because we came from NY which has ridiculously high taxes, and are now in WA which has no state tax.  We did our PCS a little over a month after we got married, so I just waited to change my DL once we got here which took care of me.  Once H checked into the command he changed his residency through them.  

    Our next move from here is VA, and we don't plan on changing our residency because of their ridiculous taxes as well.  If I have to for a job or whatever reason then I will, but only if I have to. 

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  • We're definitely not going to change our state of residency as we live in Florida, and it's got no state income tax.  We do want to change our car insurance, though.  This is acceptable, right?  Because Miami car insurance is RIDICULOUS.

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  • imagecalindi:
    We're definitely not going to change our state of residency as we live in Florida, and it's got no state income tax.  We do want to change our car insurance, though.  This is acceptable, right?  Because Miami car insurance is RIDICULOUS.
    Not generally.  In many states moving insurance is proof of intended desire to move residency.  You have to be pretty careful depending on the state which changes you make.  Usually it's something like 2/3 criteria (like DL, insurance, and tag/title), but that's not universal.

    In Hawaii, they have a specific out of state tag/title program, so it doesn't affect my HOR residency, nor does it imply a desire to change to HI, but this is a unique state with a huge military presence.  Florida is very different especially with such a large tourist population they'd like to tax as much as possible.  Besides, insurance usually cares only about where the car is domiciled, not where it's registered, so I'm not sure you'd save much unless you lied.  Yes, FL insurance is crazy high, but you live in FL, so there's not much of a way around it. 

    Unless... you mean that you're FL residents but live elsewhere in which case insurance should be based on where you live, not residency. 

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  • H had to move his car insurance, because it's based on where the car is housed, not where it's registered. So it's registered in GA, insured here in CA.

    USAA was very distressed that he hadn't moved it yet when I called the other day. 

    I've seen a lot of military surprise homecomings. It wouldn't work on me. I always have my back to the corner and my face to the door. Looking for terrorists, criminals, various other threats, and husbands.
  • I dont want to jack someone thread, so if I should make a new one just tell me, but I dont want to be redubdant I guess, lol. This has kinda come up with DH and I, we currently have our residency as MO because thats where we were born and raised, but DH wants to switch it to FL now so we dont to pay personal property tax, I think thats it, its some tax we would have to pay if we keep our residency as MO.

    I dont think it would be a problem now, since we are on base housing and have an FL address, but when we move next year, wont we have to still have an FL address to claim it as residency? DH says it wont be a problem. But wont we have to have an address if we want to claim residency their?

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