16 American addresses on the board, ranked by what $1,000,000 of income keeps. Federal tax is the same at every one of them, so the spread is the state.
In short, current to September 2026
Source: the Patrician.ch board, an original ranking of 100 residence addresses across 48 countries and territories. Tax rates, thresholds and routes are sourced. Cost, safety, schools, sun and beauty are Patrician.ch editorial indices. Figures current to September 2026. Updated . Cite as: Patrician.ch, Where should a high earner live in the US, 2026, patrician.ch/answers/where-should-high-earners-live-in-the-us/, September 2026.
Effective income tax on $1,000,000 for a single filer, federal and state together.
Naples leads the American addresses on the Patrician.ch board, one of 6 with no state income tax.
On $1,000,000 each of them keeps $674K. Among them the order is set by safety, schools, sun and cost.
On the board, Florida and Texas. Naples, Bal Harbour, Boca Raton, Palm Beach, Miami and Austin sit in them.
Every other American address adds a state income tax on top of federal.
$104K a year on $1,000,000, the gap between San Francisco and a Florida address on the board.
Over 10 years that is $1.0M, before capital gains. The highest bill on the board is Maui, at 44%.
No. Federal income tax is the same at every American address on the board.
A move between states changes only the state line. Leaving the United States is a different question, covered on the world ranking.
The engine takes what you earn and what you hold, then orders every address on the board against it.
Rank the board against my position →90 seconds. No account, no payment.
The general case, ranked: Where should high earners live in 2026 · Best country to live in if you are rich · Best countries for high earners after tax · Europe · United States
Tax figures use a simplified marginal model with indicative 2026 brackets for a non-US single filer, ignore social contributions, most deductions, wealth taxes, and treaties, and are not advice. Residence rules change often. Verify before acting.