Cost Segregation by State

Compare bonus depreciation rules, tax rates, and estimated Year 1 savings across all 50 states. Select your state below to see the full breakdown.

What You Get in Each State Guide

Every guide is built from real cost segregation study data and state-specific tax rules — not generic estimates.

Cost Seg Savings Estimate
A pre-loaded calculator with local median home prices, building-to-land ratios, and reclassification rates so you can estimate Year 1 federal and state tax savings for any property.
State vs. Federal Depreciation Rules
See whether your state conforms to federal bonus depreciation, requires addbacks, or has its own depreciation schedule — and exactly how it changes your Year 1 deduction.
Insurance & Risk Profile
Average premiums vs. national benchmarks, primary risk drivers (wind, hail, flood), and coverage recommendations that directly impact your cash flow projections.
City-Level Market Data
Drill into specific cities with major employer data, rental fundamentals, vacancy rates, STR rules, and property tax rates that shape your investment thesis.

18 state guides live — select a state to see cost seg rules, tax savings estimates, and city-level data.

AlabamaAL
Coming Soon
AlaskaAK
Coming Soon
ConnecticutCT
Coming Soon
DelawareDE
Coming Soon
HawaiiHI
Coming Soon
IdahoID
Coming Soon
IllinoisIL
Coming Soon
IowaIA
Coming Soon
KansasKS
Coming Soon
KentuckyKY
Coming Soon
LouisianaLA
Coming Soon
MaineME
Coming Soon
MarylandMD
Coming Soon
MassachusettsMA
Coming Soon
MinnesotaMN
Coming Soon
MississippiMS
Coming Soon
MissouriMO
Coming Soon
MontanaMT
Coming Soon
NebraskaNE
Coming Soon
New HampshireNH
Coming Soon
New MexicoNM
Coming Soon
North DakotaND
Coming Soon
OklahomaOK
Coming Soon
OregonOR
Coming Soon
Rhode IslandRI
Coming Soon
South DakotaSD
Coming Soon
UtahUT
Coming Soon
VermontVT
Coming Soon
VirginiaVA
Coming Soon
West VirginiaWV
Coming Soon
WisconsinWI
Coming Soon
WyomingWY
Coming Soon

Frequently Asked Questions

What is a cost segregation study?

A cost segregation study is an IRS-approved tax strategy that reclassifies components of your property (HVAC, electrical, plumbing, landscaping, etc.) from 27.5 or 39-year depreciation to 5, 7, or 15-year schedules. This accelerates depreciation deductions and can generate significant Year 1 tax savings — typically $15K-$100K+ depending on property value.

Why do cost segregation benefits vary by state?

Each state has different rules on whether it conforms to federal bonus depreciation. Some states (like Arkansas and North Carolina) offer full conformity, meaning both federal and state tax savings apply in Year 1. Others require addbacks or have their own depreciation schedules, which changes your net benefit.

How much does a cost segregation study cost with Overline?

Overline studies range from $499 to $2,000 — significantly less than traditional firms that charge $5,000-$10,000+. Most investors see 10-40x ROI on their study cost in Year 1 tax savings alone.

Which states are best for cost segregation?

States with full federal bonus depreciation conformity, low property taxes, and high building-to-land ratios deliver the best cost seg returns. Our state guides break down the exact numbers for each state so you can compare.

See Your Savings

Find Out How Much You Could Save in Your Property

Enter your property address to get an AI-powered cost segregation estimate in 60 seconds.