in beautiful Michigan!

Taxes will play such a small role in your two different scenarios that they should be a minor factor to consider.When asking about taxes, better questions would be:1) What asset class yields the best tax advantages?

From there, you can determine what components are priority, and how much of a factor location will/should play into that.

That is one of the beauties of OPM. your personal investment (the"I")  is down.

It's beautiful up there where your from.

I also like your video tour of the beautiful homes and optional floorplans.

My interest stems from different factors; I'll try to expound, and I apologize that it may be a bit verbose (this is where you can be happy to NOT be in my head ;-). 

When you run your numbers, make sure to factor broken windshields on your ball collection tractors.

My feeling is if you have a choice try to be on one of the coasts for fun and beauty and try to get in the southern half of the state.

Like you said, mortgage rates are between 3.5-4.75% for residential loans on 30 year mortgages, when you then factor in an expected average inflation rate of about 2% and the fact that you can deduct interest that's practically free money.