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Cost Segregation by State and City

Real estate investor resources for 58+ US markets. State tax treatment, property type examples, and illustrative first-year deduction scenarios.

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Featured states

Where investors are most active.

Six states with the highest investor demand for cost segregation studies.

Featured cities

Markets with the most active investor demand.

Six cities where we see the most cost segregation studies ordered.

Denver, CO investment property
Denver, CO
Illustrative: $30K-$90K year-1 deductions
Mountain STR market + strong SFR appreciation. Colorado partial bonus conformity.
See Denver cost seg →
 Dallas, TX investment property
Dallas, TX
Illustrative: $22K-$58K year-1 deductions
No state income tax. New-construction SFR advantage.
See Dallas cost seg →
 Nashville, TN investment property
Nashville, TN
Illustrative: $25K-$55K year-1 deductions
No state income tax. Nashville STR market dominance.
See Nashville cost seg →
 Miami, FL investment property
Miami, FL
Illustrative: $30K-$75K year-1 deductions
No state income tax. High-value condo and STR market.
See Miami cost seg →
 Austin, TX investment property
Austin, TX
Illustrative: $25K-$68K year-1 deductions
No state income tax. Tech-driven rental demand.
See Austin cost seg →
 Los Angeles, CA investment property
Los Angeles, CA
Illustrative: $50K-$110K year-1 deductions
Highest property values. California does not conform to bonus depreciation.
See Los Angeles cost seg →

Not sure which applies to you? Browse examples by property type →

By investor metro

Where you live and earn, not where the property is.

Most cost-segregation buyers live in one state and own property in another. These pages model the combined federal + state bracket math from where you earn W-2, named employers, and the destinations investors from that metro typically buy.

Seattle Bay Area Los Angeles Denver Plano Houston Chicago Atlanta Boston NYC Philadelphia DC 30A FL Smokies Aspen Broken Bow Outer Banks

Investor metros (amber) and the out-of-state STR destination markets (gray) where their residents typically buy. Dashed arrows indicate common capital flows.

New York, NY
~54.3% (UHNW)
Manhattan, NY
~54.3% (UHNW)
Brooklyn, NY
~54.3% (UHNW)
Jersey City, NJ
~51.5% combined
Hoboken, NJ
~51.5% combined
Stamford, CT
~47.6% combined
Greenwich, CT
~47.6% combined
Boston, MA
~50% (Millionaire's Tax)
Cambridge, MA
~50% (Millionaire's Tax)
Washington, DC
~51.5% combined
Arlington, VA
~46.5% combined
Tysons / Reston, VA
~46.5% combined
Bethesda, MD
~49.5% combined
Los Angeles, CA
~50.3% combined
Newport Beach, CA
~50.3% combined
Irvine, CA
~50.3% combined
San Francisco, CA
~50.3% combined
Palo Alto, CA
~50.3% combined
San Jose, CA
~50.3% combined
Oakland, CA
~50.3% combined
Seattle, WA
~40.8% (no state tax)
Bellevue, WA
~40.8% (no state tax)
Chicago, IL
~46% combined
Honolulu, HI
~51.8% combined
Miami, FL
~40.8% (no state tax)
Austin, TX
~40.8% (no state tax)
Dallas, TX
~40.8% (no state tax)
Houston, TX
~40.8% (no state tax)
Atlanta, GA
~46.2% combined
Charlotte, NC
~45.3% combined
Philadelphia, PA
~47.7% (city resident)
Minneapolis–St. Paul, MN
~50.7% combined
Denver–Boulder, CO
~45.2% combined
Nashville, TN
~40.8% (no state tax)
San Diego, CA
~50.3% combined
Pittsburgh, PA
~46.9% (city resident)
Portland, OR
~52.7% (Multnomah)
Salt Lake City, UT
~45.6% combined
Phoenix–Scottsdale, AZ
~43.3% (AZ 2.5% flat)
Tampa, FL
~40.8% (no state tax)
Princeton, NJ
~51.5% combined
Westchester County, NY
~50.5% (no NYC tax)
Mountain View, CA
~50.3% combined
San Antonio, TX
~40.8% (USAA/Valero/JBSA)
Sacramento, CA
~50.3% (state gov + UC Davis Health)
Raleigh-Durham, NC (RTP)
~45.3% (Duke/IBM/SAS/Cisco)
Cincinnati, OH
~46% (P&G/Kroger/Fifth Third)
Plano + Frisco, TX
~40.8% (JPMorgan/Toyota NA)
The Woodlands, TX
~40.8% (ExxonMobil/Oxy)
Buckhead / Sandy Springs / Alpharetta, GA
~46.2% (Mercedes/NCR/UPS)
Newton / Brookline / Wellesley, MA
~50% (Fidelity/Wellington/Bain/MGB)
Madison, WI
~48.5% (Epic Systems/UW Health)
Detroit / Birmingham-Bloomfield, MI
~45.1% (Rocket/GM/Stellantis)
Indianapolis, IN
~43.85% (Eli Lilly/Salesforce/Elevance)
St. Louis, MO
~45.75% (Boeing/Edward Jones/Centene)
Kansas City, MO
~45.75% (Cerner-Oracle/H&R/Hallmark)
Richmond, VA
~46.55% (Capital One/Altria/CarMax)
Louisville, KY
~44.3% (Humana/Yum/Brown-Forman)

Each page models the combined federal + state bracket for that metro and links to the out-of-state property markets investors from that metro typically buy. *Verify all combined-rate math with your CPA.*

All markets

Every state and city we cover.

State pages cover broad tax treatment; city pages dig into local rental markets, common property types, and illustrative savings.

Alabama
Connecticut
District of Columbia
Hawaii
Idaho
Indiana
Kentucky
Maryland
Massachusetts
Michigan
Minnesota
Missouri
Montana
Nebraska
New Jersey
Oklahoma
Oregon
Pennsylvania
Virginia
Washington
Wisconsin
Wyoming
State tax treatment varies. Some states like California decouple from federal bonus depreciation, which affects your total savings. See state-by-state tax rules →

Not seeing your market?

Cost segregation works on any investment property in any US state. Our engineering-based analysis uses national cost databases and local construction cost indices.

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