624 plain-English guides on cross-border, each one ending in what to do next.
Page 16 of 26, newest first.
Tennessee has no state income tax at all, but its combined sales tax reaches 9.75%. Nashville's boom draws Canadians. Here's the cross-border tax picture.
Cross-BorderUtah's flat 4.65% income tax, no local income taxes, and the growing Silicon Slopes tech corridor are drawing Canadian tech workers and retirees alike.
Cross-BorderThe federal cross-border mechanics (departure tax, RRSP, FBAR) are the same as any Canada-to-US move; this page covers what's specific to Vermont.
Cross-BorderVirginia's graduated tax tops out at 5.75%, kicking in at just $17,000, and unlike Maryland next door, no county or city adds a piggyback tax on top.
Cross-BorderDC isn't a state, but it taxes like one, with graduated rates from 4% to 10.75% and no separate local or county layer on top.
Cross-BorderWest Virginia has cut its income tax faster than almost any other state since 2023, and the top rate now sits at 5.12% with no local income tax anywhere.
Cross-BorderWisconsin's top rate is 7.65%, but the real story for many Canadians is Minnesota reciprocity and the Madison tech corridor. Here's the full picture.
Cross-BorderThe federal cross-border rules (departure tax, RRSP/TFSA, treaty positions, FBAR) apply the same as any Canada-to-US move.
Cross-BorderManitoba's 17.4% top rate starts at about $101,200 of taxable income. Moving to the US still triggers departure tax on your unrealized gains when you leave.
Cross-BorderNew Brunswick carries one of the heaviest tax loads in Canada: a top combined marginal rate north of 52%, and 15% HST on almost everything you buy.
Cross-BorderMichigan's flat 4.25% income tax, Detroit-Windsor corridor, and the auto industry pipeline make it a natural cross-border move. Here's the tax picture.
Cross-BorderQuebec requires a separate provincial return (TP-1), a separate set of slips (Relevé instead of T4/T5), and a separate assessment.
Cross-BorderSaskatchewan's top provincial rate is 14.5%, its major employers already rotate staff through Texas and North Dakota. Covers key rules, filing.
Cross-BorderOntario's top combined rate is 53.53%, OHIP has no waiting period once you qualify, and the CRA wants to know about your US retirement accounts.
Cross-BorderForm NR301 tells a Canadian payer you're a treaty resident, cutting the 25% non-resident withholding to 15% on dividends and periodic pensions. It goes to the payer, not the CRA.
Cross-BorderOld Age Security (OAS) is a monthly pension paid by the Canadian government to most Canadians aged 65 and older, regardless of work history.
Cross-BorderThe higher-income spouse can allocate up to 50% of qualifying pension income to the lower-income spouse, reducing the family's combined tax.
Cross-BorderThe biggest cross-border tax mistakes are made before the move, not after. Collapsing a TFSA a month too late creates a foreign trust problem.
Cross-BorderMoving from Ontario to BC or Alberta? OHIP covers you to the end of the second full month after you leave. BC and Alberta wait periods, absence limits and leaving Canada.
Cross-BorderRemote work does not change the fundamental tax rule for employment income: it is taxed where the services are performed.
Cross-BorderThe US imposes a specific exit tax on covered expatriates (mark-to-market deemed sale under IRC 877A, with a $866,000 exclusion for 2023).
Cross-BorderThe exit tax hits only covered expatriates: $2 million net worth, a $211,000 tax test for 2026, or no 5-year certification. How the deemed sale works and Form 8854.
Cross-BorderHow an RESP educational assistance payment (EAP) is taxed in Canada and the US when the subscriber or the student is a US person, plus FBAR and Form 3520 reporting.
Cross-BorderHow royalties are taxed when a Canadian licenses IP to a US company or the reverse: treaty rates of 0% or 10% under Article XII, the withholding forms, and foreign tax credits.