Guide to State Residency Requirements The easiest way to deal with this, for most RVers and full-time nomads, is to see if there’s a friend or relative whose home address you can use as your own for the purposes of your driver’s license, mailing address, vehicle, and voter’s registration.

What states allow full-time RV living?

The best states for full-time RVer domiciles generally come down to Texas, Florida or South Dakota. All three states are income tax-free, the government entities will accept mail-forwarding addresses and they are headquarters for mail-forwarding services.

How do taxes work if you live in an RV?

If you are full-time in your RV and itemize your deductions, you can claim your RV as your home, meaning all interest paid throughout the year is deductible. Even if you only live in your RV sometimes, you may be able to claim it as a second home, so be sure to look into this before dismissing the write-off entirely.

Can you live in a camper in someone’s yard?

Technically, it’s against the law to use an RV as a full-time residence in all of the 50 nifty United States, whether it’s in your own backyard or a friend’s. That specific rule comes from the Housing and Urban Development Department (HUD), which specifies that an RV isn’t intended for permanent occupancy.

Where to establish state residency if you live in your RV?

There are three states that are very popular amongst full-time RVers because they offer substantial savings when you choose to establish your residency within them. Those states are Florida, Texas, and South Dakota.

Is the RV considered a home or primary residence?

The point of the definition appears to be one of common sense. If you own an RV and it’s parked on your driveway outside of your house, it would be hard to argue your RV is your main home. It could be a second home, which for interest deductions is all that matters, but it wouldn’t be your main home.

Can a RV be considered a second home?

Even if your RV isn’t considered a primary residence, it could be a second home. In either case, the interest payments on a loan could be tax deductible. The RV or boat would have to be the collateral on the loan for the interest to be tax deductible.

Can a boat be used as a primary residence?

In order to qualify for the homeowner tax exemption by using your RV or boat as your primary residence, you must use the RV or boat that you purchased as security for the loan that you used to buy it. By doing this, you’re able to deduct mortgage interest that you would otherwise pay on the RV loan saving you money all the way around.