There's so many things that affect your overall cost of living outside of the purchase price of your home.
- Property taxes (which vary wildly down to the zip code you live in, you can't directly tie that to city/state, it's much more specific). An 800k house on the SE side of the river in Portland is $9,000 a year in property taxes. Go across the river to the SW side and it's $14,000.
- Property insurance. I paid almost $2500 a year in homeowners insurance on a $400k home in Kentucky. I pay $400..yes $400 in Portland on a $750k one.
- State income taxes. Anywhere from 0 to over 9% depending on the state and your income level.
- City taxes. When I lived in Lexington, KY there was a 1% city tax. In Portland proper I have a similar tax but it's only on income over $100k.
- Car insurance. My car insurance doubled moving to Kentucky from IL because of a premium on no-fault payouts. It was almost $2k a year for a minivan and camry with no accidents/tickets.
- Sales tax as mentioned. I live in a state where there isn't any. And when you go to buy a car, well that's pretty nice to not have to pay that.
- Car registration. In IL I paid under a $100 a year. It used to be $78 per car to register. In Nebraska it was tied to the value of your car. Moving to Nebraska and getting a $600 annual registration renewal sucked. Kentucky was similar. It was $400 a year for my Minivan.
- Utilities. Move from a moderate climate like SoCal or PNW to swamp ass southeast and enjoy your $200+ a month electric bill. My electric and gas for the month of May in Portland was $80. $60 for electric and $20 for natural gas. And we're even on the expensive and bougie renewable energy only plan.
- Commute and gas costs. My wife and I can commute to work and back on bikes for the low price of...$0 a gallon in gas. If you live in a rural space and have to drive everywhere, enjoy your hundreds in gas each month. And when you live in ass crack no-where with little to do, you just end up driving more and more to actually do things. Costing even more.
All of that stuff adds up to overall COL burden.