Nine U.S. states have no income tax. Retirees are excited to move there, but are surprised by the state taxes.

Some people move to income-free states to save money, only to find themselves burdened by other taxes. MoneyWise, a financial website, reported on the 19th that American retirees are often intimidated by four state taxes, none of which are income taxes.

According to the tax filing software TurboTax, nine states are considered “income-tax-free” and do not levy personal income taxes. These states include Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, Wyoming, and New Hampshire.

However, state governments must find other sources of tax revenue. For retirees or those relying on passive income, four taxes could pose a significant threat:

Property taxes

For states without an income tax, imposing a higher property tax is the easiest way to offset state tax revenue. For example, Texas’ average property tax rate is 1.36%, exceeding the national average of 0.9%. New Hampshire’s property tax rate is even higher, at 1.89%. For retirees, the tax savings from being exempt from income tax may be offset by the heavy burden of property taxes.

Sales Tax

Only five states in the country do not levy a sales tax: New Hampshire, Oregon, Montana, Alaska, and Delaware. Even for states without an income tax, sales tax remains a significant source of revenue.

The think tank Institute on Taxation and Economic Policy points out that Florida, which has not levied an individual income tax for 100 years, relies on sales and excise taxes for approximately 80% of its revenue.

For retirees living on fixed incomes, especially low-income seniors, sales tax can be a significant burden.

Estate Tax

The Tax Foundation notes that 12 states and the District of Columbia impose state estate taxes in addition to the federal estate tax. These states include Connecticut, Hawaii, Illinois, Maine, Maryland, Massachusetts, Minnesota, New York, Oregon, Rhode Island, Vermont, and Washington. For retirees who haven’t planned their estates, the resulting estate taxes can be a surprise for their families.

Inheritance Tax

Estate taxes are levied before assets are distributed to heirs, while inheritance taxes are paid after the heirs receive the estate. Five states impose inheritance taxes: Kentucky, Maryland, Nebraska, New Jersey, and Pennsylvania. Maryland is the only state to impose both an estate tax and an inheritance tax.

For those who consider themselves financially moderate after retirement, it’s best to consult a financial advisor before moving to a state with no income tax to determine if this is a good deal.