Moving to Florida in 2026: Pros, Cons & Honest Costs

Yes — moving to Florida in 2026 can be a smart financial move: no state income tax, unmatched winter weather, and migration rebounding after five years of cooling. But real costs run higher than headlines suggest — homeowners insurance averages $8,471 a year (Insurance.com, Sept 2026) and the single-family median is $415,000 (Florida Realtors®, Aug 2026). Here is the honest, data-backed breakdown. The Pros of Moving to Florida in 2026 No State Income Tax Florida is one of nine states with no personal income tax — the single biggest financial draw for movers from high-tax states like New York and New Jersey, Florida's top two feeder states (Safeway Moving, Aug 4, 2026). A household earning $150,000 keeps roughly $9,000+ a year versus a state like New York. The trade-off is that property and sales taxes carry more of the revenue load — which is why property tax strategy, from the homestead exemption to the Save Our Homes cap, matters more here than in most states. Our Florida real...

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