Hawaii to Texas Retirement Taxes (2026): Every Tax That Changes

Updated July 26, 2026. Quick answer (2026): Moving from Hawaii to Texas in retirement, you stop paying Hawaii income tax on withdrawals and leave a Hawaii death tax behind. Four separate taxes change when you move — state income tax on withdrawals, state estate tax, state inheritance tax, and what probate costs your heirs. Most comparisons only price the first one.

Hawaii vs Texas: every tax that changes

Every cell is quoted from our statute-cited 51-jurisdiction dataset. Download the full dataset as CSV.

1. What changes on your annual tax bill

Hawaii taxes retirement withdrawals: Employer-funded (non-contributory) pension income fully exempt regardless of amount. Texas does not. On a $100,000 annual withdrawal, the Hawaii bill is whatever its graduated to 11% (12 brackets, 1.4%-11%) schedule produces; in Texas it is $0. Social Security is treated as follows — Hawaii: not taxed (fully exempt) Texas: Not taxed (no state income tax).

2. What changes at death: state estate tax

This is usually the larger number. Hawaii levies an estate tax — yes – exemption $5,490,000 (fixed since 2018, not indexed); rates 10%-20% (top 20% on taxable amount over $10M above the exemption); Hawaii-level portability between spouses allowed — and Texas levies none (none). Establishing domicile in Texas removes that exposure for assets that are not Hawaii real property.

3. What changes at death: state inheritance tax

Neither state levies an inheritance tax. Hawaii: none Texas: none

4. The one nobody prices: what probate costs your heirs

Hawaii uses a reasonable-fee fee model (UPC state: reasonable compensation (HRS §560:3-719); Hawaii’s old percentage schedule was repealed decades ago.); Texas uses a hybrid model (Executor/administrator standard compensation is statutory (Tex. Estates Code §352.002): 5% commission on cash actually received plus 5% on cash actually paid out (excluding e.g. cash on hand/bank deposits at death and distributions to heirs), capped in aggregate at 5% of the gross fair market value of the estate subject to administration. Attorney fees are reasonable. Note: most Texas probates are independent administrations where compensation is often governed by the will. Verified.). Filing fees — Hawaii: $100 probate filing fee (informal or formal), paid once per decedent’s estate — HRS §607-5 circuit court fee schedule Texas: County clerk / statutory probate court fees vary by county; typically ~$250-$450 to file an application for probate. Representative range from county schedules, not verified against a single official statewide source.

Full detail: probate cost by state and small-estate limits by state.

Does this actually apply to you?

Below $1,000,000 no US state estate tax applies anywhere — Oregon has the lowest threshold in the country and that is where it starts. So for most estates the whole “escape the death tax” framing is irrelevant, and the only thing that changes when you move is your annual income tax. Here is exactly where the line falls for this pair:

Thresholds are the 2026 figures in our verified dataset and apply to the taxable estate. Federal estate tax is separate and far higher. Test your own number with the comparison tool.

Probate cost in each state, specifically

Hawaii uses a “reasonable fee” standard with no schedule, and its statute does not say whether that route reaches real property. Texas uses a hybrid standard — a statutory bound with reasonableness inside it, and its statute does not say whether that route reaches real property. Both states land in the same bucket on that question. Full figures with the governing statute, the court filing fee and the small-estate threshold: Hawaii probate cost and Texas probate cost.

Four taxes, two states, one order of operations

Everything above changes together: what Hawaii stops taking on withdrawals, what Texas does not take at death, and what probate costs in each. The order you do things in — when you establish domicile, when you convert, when you retitle property — changes the total, and some of it cannot be undone afterwards. If a move is genuinely on the table, here is what to look for in an advisor who knows both Hawaii and Texas. If you would rather price it yourself first, the two-state comparison tool is free and asks for no email.

Will Hawaii still tax me after I move to Texas?

Not on your retirement withdrawals, once you genuinely change domicile — but that is a harder test than a change of address, and what you leave behind stays in reach.

• Domicile is a test, not a mailing address. A departing state can and does audit residency. Days present, voter registration, driver’s licence, where your doctors and advisers are, and where you keep what you value all count.
• Real property left behind stays taxable. Keeping a home in Hawaii can keep part of the estate within reach of Hawaii rules even after you become a Texas resident.
• A Roth conversion is taxed where you live in the year you convert. Sequencing a conversion after establishing the new domicile is often worth more than the annual saving — see how all 51 jurisdictions tax Roth conversions.

If you keep a home in Hawaii, what happens at death?

Changing domicile moves you. It does not move the house. Hawaii levies an estate tax, and it reaches a nonresident decedent’s real property situated there — so a home kept behind after the move stays within Hawaii’s reach even once Texas is your legal home for every other purpose. Nonresidents are taxed on Hawaii-situs property. Tax is the hypothetical tax as if a Hawaii resident with the same worldwide gross estate, multiplied by the ratio of Hawaii property to worldwide gross estate.

Hawaii’s exemption is $5,490,000, fixed and not indexed. The practical consequence is the part most summaries skip: Hawaii uniquely exempts a nonresident estate where the domicile state reciprocally exempts Hawaii residents. Authority: Form M-6 instructions.

This is the exposure that survives a move, and it is the one worth pricing before the move rather than after. The house also stays within that state’s probate jurisdiction, so the estate faces a separate ancillary proceeding there on top of the probate where you live — the ancillary probate calculator prices that second proceeding. Confirm the current figures with the state revenue department or a licensed professional before acting — thresholds move, and the arithmetic depends on the whole estate, not just the house.

Full state detail

Every figure above is summarized. The complete statute-cited breakdown for each state: Hawaii retirement taxes and Texas retirement taxes. To compare any other pair, start at the retirement tax relocation hub.

Widen the comparison

This page prices one corridor. To see every destination Hawaii retirees consider and every origin state moving to Texas, start there instead. For any pair not covered, the retirement tax comparison tool runs all 51 jurisdictions, and the probate cost calculator works out what settling the estate costs in each.

Talking this through

Relocation timing, Roth conversion sequencing and estate exposure interact, and the order you do them in changes the total. If you want a second opinion, understand what it should cost first — see our advisor cost guide.

Disclosure: the button above routes to an advertising partner and Clear Money Guide may earn a referral fee. See our Affiliate Disclosure.

Primary sources

• HRS § 235-7(a)
• Hawaii DOTAX TIR 96-5
• Haw. Rev. Stat. sec. 236E-6
• Haw. Rev. Stat. sec. 236E-8
• Tex. Const. art. VIII, § 24-a
• Haw. Rev. Stat. §560:3-719
• Haw. Rev. Stat. §560:3-1201
• Haw. Rev. Stat. §607-5
• Tex. Estates Code §352.002
• Tex. Estates Code §205.001
• Tex. Estates Code ch. 257

Methodology: every figure is quoted from Clear Money Guide’s statute-cited 51-jurisdiction datasets, compiled from state statutes, session laws and revenue-department publications and adversarially verified in July 2026. Nothing here is personalized tax or legal advice. Confirm your own facts with a qualified adviser before you move.