{"version":"2026-state-cash-cost-index","name":"SwitchWize State Cash Cost Index","generatedAt":"2026-08-15T22:05:43.841Z","citeAs":"SwitchWize, \"State Cash Cost Index.\" Retrieved from https://www.switchwize.com/research/state-cash-cost-index.","methodology":{"summary":"Primary ranking: each state's real Census median household income is matched to the nearest national income-percentile bracket from the Fed's 2022 Survey of Consumer Finances (recomputed by us from the Fed's own public microdata — see the \"scf\" source below), and that bracket's real median transaction-account balance ($7,200 for the middle bracket, for reference) stands in as the state's typical liquid balance. The live spread between SwitchWize's tracked best HYSA APY (4.4%) and the FDIC national-average savings APY (0.38%) is applied to that balance, then each state's own top marginal income-tax rate on interest is applied to get the after-tax annual dollar gap. States are ranked by this after-tax figure. A secondary, simpler table (flatBalanceRankAt25k, examples[]) repeats the same math on fixed $10k/$25k/$50k illustrative balances for readers who want round numbers instead.","caveat":"The SCF-bracket balance is not a state measurement — the SCF does not publish liquid-asset data by state (only nationally, by income bracket; see scripts/generate-state-cash-cost-index.ts header for why). States with similar median income land in the same bracket and share the same balance figure; the resulting variation reflects real income differences, not measured regional saving behavior. The flat-balance examples are plainly hypothetical ($10k/$25k/$50k), not a claim about what any specific household holds. No state-level aggregate (\"$X billion statewide\") figure is published — see DELIBERATELY EXCLUDED in scripts/generate-state-cash-cost-index.ts for why."},"sources":[{"label":"SwitchWize live rate data (best tracked HYSA APY vs. FDIC national-average savings APY)","detail":"bestSavingsApy=4.4%, nationalSavingsApy=0.38%, dataSource=live, asOf=2026-08-15T22:05:43.126Z"},{"label":"FDIC, National Rates and Rate Caps","url":"https://www.fdic.gov/national-rates-and-rate-caps"},{"label":"U.S. Census Bureau, American Community Survey 2024 1-Year Estimates, Table B19013_001E (Median Household Income)","url":"https://api.census.gov/data/2024/acs/acs1"},{"label":"State top marginal interest-tax rates: SwitchWize STATE_BANK_GAPS (src/lib/bank-gap/states.ts), synced with the short-term-savings-calculator STATES table"},{"label":"Federal Reserve, 2022 Survey of Consumer Finances, Summary Extract Public Data (rscfp2022.dta) — median transaction-account balance by income-percentile bracket, recomputed by SwitchWize Research directly from the Fed's public microdata (not transcribed from the Bulletin PDF)","url":"https://www.federalreserve.gov/econres/files/scfp2022s.zip","detail":"Validated: our recomputed overall median LIQ=$7850 vs. Fed-published $8000. Reproducible via scripts/research/compute-scf-liq-by-income-bracket.py."}],"illustrativeBalances":[10000,25000,50000],"flatBalanceRankedByBalance":25000,"scfByIncomeBracket":[{"ninccatCode":1,"bracket":"less_than_20","weightedPopulationSharePct":19.98,"unweightedSampleN":3813,"medianLiqUsd":850,"medianNormincUsd":22699.15,"normincRangeUsd":{"min":0,"max":34589.18}},{"ninccatCode":2,"bracket":"20_to_39.9","weightedPopulationSharePct":20.02,"unweightedSampleN":3723,"medianLiqUsd":2710,"medianNormincUsd":46479.21,"normincRangeUsd":{"min":34589.18,"max":59450.15}},{"ninccatCode":3,"bracket":"40_to_59.9","weightedPopulationSharePct":20,"unweightedSampleN":3476,"medianLiqUsd":7200,"medianNormincUsd":73502,"normincRangeUsd":{"min":59450.15,"max":91877.51}},{"ninccatCode":4,"bracket":"60_to_79.9","weightedPopulationSharePct":20,"unweightedSampleN":3651,"medianLiqUsd":17000,"medianNormincUsd":115657.57,"normincRangeUsd":{"min":91877.51,"max":153489.48}},{"ninccatCode":5,"bracket":"80_to_89.9","weightedPopulationSharePct":10,"unweightedSampleN":2275,"medianLiqUsd":33100,"medianNormincUsd":190240.48,"normincRangeUsd":{"min":153489.48,"max":244286.07}},{"ninccatCode":6,"bracket":"90_to_100","weightedPopulationSharePct":10,"unweightedSampleN":6037,"medianLiqUsd":99100,"medianNormincUsd":378319.14,"normincRangeUsd":{"min":245366.98,"max":458230949.4}}],"states":[{"rank":1,"slug":"alaska","name":"Alaska","abbr":"AK","region":"West","hasIncomeTax":false,"topInterestTaxRatePct":0,"medianHouseholdIncomeUsd":95665,"scf":{"incomeBracket":"60_to_79.9","bracketMedianLiqUsd":17000,"bracketWeightedPopulationSharePct":20,"pretaxAnnualGap":683,"afterTaxAnnualGap":683},"examples":[{"balance":10000,"pretaxAnnualGap":402,"afterTaxAnnualGap":402},{"balance":25000,"pretaxAnnualGap":1005,"afterTaxAnnualGap":1005},{"balance":50000,"pretaxAnnualGap":2010,"afterTaxAnnualGap":2010}],"flatBalanceRankAt25k":1},{"rank":2,"slug":"new-hampshire","name":"New 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