Free sample · American at DFW

Texas takes nothing in income tax. The county makes up for it, and the county line moves.

Dallas–Fort Worth is the base people name when they say a domicile is cheap. It is cheaper than most. But the metroplex is two airports forty miles apart, and inside one county here the tax on the same $400,000 house swings about $7,000 a year before exemptions — Cresson to Keene, both in Johnson County, a short drive apart.

Treating the metroplex as one place is the first mistake. Which field you report to decides which half of it you can live in, and the two halves do not cost the same. Everything below is American at DFW International — the one metro worked all the way through for nothing. Southwest at Love is the same eleven sections run against the other half of the metroplex.

The finding

One county, two towns, seven thousand dollars a year apart.

Combined rates stack county, city, school district and any municipal utility district on top of one another. In Johnson County alone, Keene sits at 2.58 per cent and Cresson at 0.82. On a $400,000 house that is a difference of about $7,000 every year, for two towns you could drive between over lunch.

County Combined effective rate Range On $400k
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Each bar spans the lowest and highest combined city rate observed in that county, outliers included, against a common scale of 0.8 to 2.6 per cent. Johnson runs nearly the full width of the chart because Cresson and Keene both sit inside it. The dollar column is the midpoint, which is not what any single address pays.

These are combined rates before exemptions: county, city, school district and any municipal utility district, stacked. Tarrant runs 2.10 to 2.40 per cent, and the calculator below uses 2.25 — the middle of the county you are most likely to buy in on a DFW assignment, on the same basis as this chart. A homestead exemption takes some of it back, mostly out of the school-district portion, so read these as the ceiling you shop against.

The other option

Or you could stay where you are and commute.

Every base comparison quietly assumes you will move to the base. Plenty of pilots never do. Keeping the house you have and jumpseating in has a real price — a crash pad, and a day on each end of every trip — and whether that price beats moving is arithmetic, not temperament. Put your own numbers in.

What housing costs you now {{ housingLabel }}
Mortgage or rent plus property tax, per year.
What your state takes {{ stateLabel }}
Income tax on the same $239,922. Zero if you are already in a state that does not levy it.
Crash pad {{ padLabel }}
Per month, at the base. A hot bed is cheaper than a cold one.
Trips a month {{ tripsLabel }}
Each one costs you a day getting there and a day getting home.
What is left, either way
Stay where you are, commute {{ stayLabel }}
Move to Dallas–Fort Worth {{ moveLabel }}
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What the commuting side does not price

Missing the commute. A full flight on the last bank turns a day off into a trip you did not fly and were not paid for.
Reserve. A commuting reserve pilot is a contradiction that gets resolved expensively, usually by renting a second home you barely sleep in.
Fatigue, which is a safety matter before it is a money one.

What the moving side does not price

Selling and buying. Six per cent of two houses is real money and it lands in year one.
Your base can move. Domiciles close. Moving the family to a base the airline shuts in four years is the expensive version of this decision.
A spouse’s career and a child’s school year, neither of which appears in any of these bars.
Sources
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Every other domicile, the same eleven sections.

Dallas–Fort Worth is the metro worked all the way through for nothing. Every carrier’s domiciles are built out on these same eleven sections and the same national scale, so a comparison between any two of them means something.