- 5 years ago
- Wedding: May 2013
This will be a long post, sorry in advance.
I am from NH, and FI is from MA. A few years ago he bought a townhouse and I moved in with him. It’s about an hour from my family and friends, and about forty minutes from most of his (He moved to where he could get the most for his budget). It’s about 45 minutes on a good day for his commute, and it’s now just over an hour for mine (in completely different directions).
After the wedding we plan to sell the condo and buy a house because we are going crazy with shared wall living. We are having a hard time deciding where to live. I have hated living in MA this entire time. It’s been two years and I still haven’t become a resident. I’m tired of the long, traffic ridden, parking lot commutes, the income tax, the sales tax, and the taxes on EVERYTHING (bottle deposits?! aka…tax). NH has no sales tax, no income tax. Their property taxes are slightly higher, but you can also buy a lot more house for the money. We travel often for weekend trips away and my mom always watches our dogs, which usually involves having to drive up to NH to drop them off first.
To live in MA, we both want 30 minute commutes or less, which puts us in neighborhooods with home prices in the 250-300s. These homes have property taxes of around 6k give or take. These locations are central not just to our current jobs, but prospective jobs as the surrounding towns have a lot of tech companies. A home of equal size in NH is in the 150s with property taxes up to 4k. If we were to live in NH, his commute to his current job would be the same or less, but mine would jump to 1.5 hours minimum. This also lowers our pool of available cities to find other jobs in to maintain short commutes. NH is developing and though not impossible to find a job, it would be a tad more difficult and overall the payscales are lower (for me, FI could likely find a job anywhere).
And the final kicker is I love the company that I work for and the benefits are out.of.this.world (comparable to Google, minus the free google phones they give out and the nap zones). I don’t love the job, but I’ve only been here 6 months and it’s a kind of transitional position. Moving to NH would make it difficult for me to keep this job, the commute would just be awful. If I left, I’d have just under two years experience here (if the house sold and we found a new one), and my previous two jobs were under two years as well. I had basically resigned ot my fate that living in MA would be best and had started browsing homes in ideal neighborhoods but this week it really hit me, I hate.living.here.
For anyone who has read this far (thanks)
So to recap: MA=long commute, far from my family, far from my friends, high taxes, taxes on everything, high cost of living, amazing benefits at a stable company
NH=short commute if a job is found in state, cloes to my family and friends, no taxes, low cost of living, farther from FIs friends
What would weigh most importantly for you? (FI and I discussed the other night, and claims the commutes don’t bother him as much and if living in NH is what would make me happy, then he’d be happy, so it’s really me who is still struggling with the best thing to do)