Florida Relocation Tax Calculator: Compare Before You Move

Relocation Tool

See how your taxes, insurance, and fees could change

Compare your current state income and property taxes with Southwest Florida, where there is no state income tax, then add insurance and fees for a broader view of the potential difference.

Updated October 2026 · 2025 state income tax brackets · Representative Southwest Florida property-tax estimates you can edit · Southwest Florida figures compiled by Worthington Realty

Start with your taxes. Add insurance and fees after you see the comparison.

Where you live now

Current home State income tax

Compares state income tax only. Local (county or city) income taxes, such as those in parts of Maryland, Indiana, Pennsylvania, and Ohio, are generally not included.

Total state income tax from your most recent returnYour total state income-tax liability after credits, not just what was withheld or what you paid with the return.

Your current home

Do you own or rent now?

Current property tax

Annual property tax

Your Florida move

Where are you considering buying?

Expected home price

Lee: Fort Myers, Cape Coral, Estero, Bonita Springs
Collier: Naples, Marco Island
Charlotte: Punta Gorda, Port Charlotte

Will this be your primary Florida home?

The estimate assumes you qualify for homestead. Confirm eligibility and timing with the county property appraiser. It does not model an existing Florida assessment or portability benefit.

Florida property tax EstimatedAnnual property taxes only. Changing county or residency resets this estimate. The residency choice controls the homestead assumption. CDD and other non-ad valorem assessments are extra.

For a property-specific estimate, use the Lee County Tax Estimator (opens in a new tab) →

Your comparison will appear here

Fill in where you live, your taxes, and a Southwest Florida county and price above.

$0 Florida personal state income tax

Property tax varies by county, city, and taxing district

Insurance depends heavily on the specific home

Estimated annual tax difference

Your entered figures

$0

lower in Florida

About $0 per month

All amounts below are annual. “Lower” means a lower cost in Florida.

Your annual cost comparison
Annual cost	Current home	Florida home	Difference
Taxes per year
Monthly equivalent

Add insurance and HOA fees

Use annual amounts for both homes. Enter 0 when a cost does not apply. Leave it blank if you do not know it yet.

Homeowners insurance per year · Florida Rough placeholder

Homeowners insurance per year · current home

Insurance is highly property-specific. The Florida figure is a rough regional placeholder; replace it, and add your current-home premium, with real quotes before relying on this comparison.

Flood insurance per year · Florida

Flood insurance per year · current home

HOA or condo fees per year · Florida

HOA or condo fees per year · current home

Include these costs in my comparison

Florida homeowners insurance starts with a rough placeholder. Replace it with a quote when available. This comparison excludes mortgage payments, rent, utilities, maintenance, CDD assessments and federal tax effects.

One more tax consideration. Moving may also change your federal deduction for state and local taxes (the SALT deduction). That effect is not included in this estimate.

How we estimated this

Keep a copy of this comparison

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Fort Myers

Cape Coral

Estero

Bonita Springs

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The Tax Picture

How your taxes change when you move to Florida

Florida has no state income tax, so households moving here from higher-tax states often keep more of their income right away. For most buyers the bigger question is property tax, which is set locally and varies by county, city, and the taxing districts around a specific home. The calculator above compares your current state income and property taxes against a Southwest Florida county, then lets you add insurance and fees for a fuller monthly view.

Most people relocating to the region settle in one of three counties. Lee County covers Fort Myers, Cape Coral, Estero, and Bonita Springs; Collier County covers Naples and Marco Island; and Charlotte County covers Punta Gorda and Port Charlotte. Property-tax rates vary by county, city, school district, and other local taxing districts, and a primary residence qualifies for the standard homestead exemption. Choose your county in the tool, add your expected home price, and open the official county Tax Estimator for a property-specific number. One change worth watching is the property tax amendment on the November 2026 ballot, covered in our Florida property tax amendment explainer.

Questions & Answers

Florida relocation tax questions

Does Florida have a state income tax?

No. Florida does not tax personal income, and it has no state inheritance or gift tax. That is the main reason a move from a higher-tax state can lower your yearly tax bill.

How much is property tax in Southwest Florida?

It depends on the county and the specific home. Lee, Collier, and Charlotte each set their own millage rate, then apply it to your assessed value after exemptions. Enter your county and expected price in the calculator above for an estimate, then use the linked county Tax Estimator for a property-specific estimate.

What is the Florida homestead exemption?

If the home is your primary residence, the homestead exemption reduces your taxable value by up to $51,411 for 2026. The first $25,000 applies to all taxes; the second part, $26,411 for 2026 and adjusted for inflation each year, applies to everything except school taxes. Qualifying for it also starts the Save Our Homes cap on future assessment increases.

What is the Save Our Homes cap?

Once a home has the homestead exemption, Save Our Homes limits the yearly increase in its assessed value to 3 percent or the change in inflation, whichever is lower. When you buy, the home is reassessed at market value, and the cap then protects you in the years that follow.

Will the 2026 property tax amendment change my estimate?

Not yet. A proposed amendment on the November 2026 ballot would raise the homestead exemption well above today’s level, phased in across 2027 and 2028 and not applied to school taxes, but it still needs voter approval. This tool uses current law. Read the details in our Florida property tax amendment explainer.

Does the estimate include insurance and fees?

The main result compares state income and property taxes. Open the insurance and fees view to add homeowners insurance, flood insurance, and any HOA or condo fees for both your current home and your Florida home, which gives you a fuller monthly comparison.

Is this tax or financial advice?

No. The results are estimates for planning only. Confirm your situation with a licensed tax professional and an insurance agent before you move.

Estimates for general information only, not tax, legal, or financial advice. State income tax, when estimated, uses 2025 individual income tax brackets and standard deductions and is a rough approximation; entering the figure from your return is more accurate. Head-of-household and married-filing-separately are not modeled. Florida property tax is seeded from 2025 county millage with the standard homestead exemption; this covers ad valorem taxes only and excludes non-ad valorem assessments such as CDD fees, solid waste, and stormwater, which appear separately on a Florida tax bill; use the linked county Tax Estimator for a specific home. Insurance figures are rough starting estimates or your own entries, not quotes. Moving can also change your federal SALT deduction, which is not included here. Florida also has a sales tax (about 6.5 to 7.5% with local surtax), which we do not estimate because it depends on your spending. Florida does not impose a personal income, inheritance, or gift tax. Confirm everything with a licensed tax professional and insurance agent before you move. Worthington Realty, Inc.

Useful Next Steps

More tools for planning your move

Free to use, no sign-up required. Get the full picture on costs, the buying process, and flood risk before you talk with anyone.

Moving to Southwest Florida

Utilities, your Florida license, homestead, schools and storm prep, sorted by where the home is.

Open the new resident guide

Cost of Owning a Home

See the full monthly cost beyond taxes, including insurance, maintenance, and fees.

See the full costs

Flood Zone Lookup

Check the FEMA flood zone for any Southwest Florida address before you budget insurance.

Check a flood zone

Your Next Step

Start your search, and move with someone on your side

Create a free account to save searches and get alerts on new listings and price cuts. When you are ready, talk with a Worthington agent. It costs nothing, with no pressure to buy.

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Or call Worthington Realty at (239) 437-3334.

Thinking about buying in Southwest Florida? Our Home Buying Guide walks through every step.