By Marcus Webb, Senior Editor, State Tax & Retirement Geography·Collin County
Garland is the #13 city in Texas by population (234,943
residents across 74,912 households; median household income $51,970). Federal gold IRA
rules are identical here to anywhere else in the US — what changes at the state line
is the money around the metal: exempt over $1,000 at
purchase, and no state income tax when you take distributions.
The thresholds, sources and storage picture behind those two lines live in the gold IRA guide for Texas. Below: the city snapshot our
desk compiles for Garland, the rated companies that serve it, and where its metals
would physically sit.
Garland snapshot
Garland, Texas — city profile
Measure
Value
Population
234,943
Households
74,912
Median household income
$51,970
County
Collin County
ZIP codes served
13
Land area
57 sq mi
Source: U.S. Census Bureau estimates (via our cities dataset) · checked October 24, 2026
Where Garland IRA metals would sit
Metals in your IRA can't sit in a Garland safe-deposit box or home safe — an
IRS-approved depository arranged by the custodian holds them, and the vault your
custodian uses decides fees and logistics. To make the geography concrete, we
measure the straight-line distance from Garland to the two reference vaults we
track nationally:
Straight-line distance from Garland to reference depositories
Facility
Distance
Delaware Depository (Wilmington, DE)
≈ 1,260 mi
Texas Bullion Depository (Leander, TX)
≈ 180 mi
Method: great-circle distance from city coordinates, rounded to 10 miles — an
indicator of logistics, not a quote. Texas's full storage picture: state guide.
Gold IRA companies serving Garland — network ratings
Company
Overall
Fees
Feedback
Min. investment
Noble Gold Investments
4.1
3.5
4.5
Varies — see review
GoldStar Trust
4.0
4.0
4.0
N/A (custodian)
Augusta Precious Metals
4.0
3.0
4.5
$50,000 for cash or IRA purchases
Advantage Gold
3.9
3.5
4.0
$10,000–$25,000
Birch Gold Group
3.9
3.5
3.5
$5,000 recommended minimum
Goldco
3.9
3.5
4.0
$25,000 generally required for gold IRA…
American Hartford Gold
3.8
3.5
4.0
$10,000 for a Gold IRA
Lear Capital
3.3
3.0
3.5
$10,000 for a Gold IRA
Preserve Gold
3.2
3.0
3.5
$10,000–$25,000
Regal Assets
1.3
2.0
1.0
$5,000
Garland gold IRA questions
Do I pay sales tax on gold IRA purchases in Garland?
Exempt over $1,000 — the rule is set at the state level. Texas exempts gold, silver and platinum bullion — and monetized bullion — from the 6.25% state sales tax when the single sale is $1,000 or more (HB 78, 2013). Smaller purchases, rare coins and jewelry remain taxable. Source: Texas Comptroller — sales tax guidance, checked October 2026.
Where would metals from a Garland gold IRA be stored?
Not at home: IRS rules require an approved depository arranged by your custodian. Measured from Garland, the industry's reference vaults sit roughly 1,260 mi (Delaware Depository) and 180 mi (Texas Bullion Depository). The distance doesn't affect IRS approval — the vault your custodian uses decides fees and logistics.
Does Garland add its own tax on IRA distributions?
Income tax is set at the state level, not by cities — with rare exceptions like New York City's resident tax, which none of our covered cities share. Texas levies no state income tax — IRA and 401(k) distributions are not taxed at the state level.
City guides for 2 more Texas cities are in
preparation.
Important
Educational information only — not investment, tax or legal advice. Verify current state and
local tax treatment with the Texas revenue department before acting.
