# Moving From New York to Florida: Taxes and Costs Compared, 2026

Moving from New York to Florida takes state income tax on USD 250,000 of wages from USD 15,946 to USD 0 in 2026, NYC tax excluded. Estate, rent, residency.

- **Income tax.** A single earner on USD 250,000 goes from USD 15,946 to USD 0; a family on USD 250,000 from USD 13,685 to USD 0 (2026, computed by Mirabello, wages only, no local tax including New York City, no refundable credits).
- **Estate tax.** New York has an exclusion of USD 7,350,000 and a top rate of 16%; Florida shows no state estate tax.
- **Not everything falls.** Median gross rent is higher in Florida, USD 1,866 against USD 1,704 a month (American Community Survey 2025), and the state sales tax rate is 6% against 4%.
- **Property tax.** The effective rate is 0.8% in Florida against 1.42% in New York (American Community Survey 2025).
- **Residency is a test.** New York looks at domicile, and at a permanent place of abode combined with more than 183 days.

## How do taxes change when moving from New York to Florida?

Moving from New York to Florida takes state income tax on wages from USD 15,946 to USD 0 for a single earner on USD 250,000 in 2026, on Mirabello's computation from New York's official schedule, and takes a family on USD 250,000 from USD 13,685 to USD 0, with New York City local tax excluded.

The scope of those figures: wages only, standard deduction, no itemising, no local tax, no refundable credits; the family profile is married filing jointly, one earner, two children aged 10 and 8. They are computed by Mirabello for 2026 and are not a personal assessment. **New York City local income tax is not included in any figure in this article**, so if you live in the city your current bill is higher than the New York column shows, by an amount we do not publish here. This article is general information and not tax advice, so confirm your position with the [New York Tax Department](https://www.tax.ny.gov/pdf/current_forms/it/it201i.pdf) or a qualified US tax adviser.

| Profile | New York State | Florida | Difference |
| --- | --- | --- | --- |
| Single, USD 100,000 | USD 4,860 | USD 0 | USD 4,860 |
| Single, USD 250,000 | USD 15,946 | USD 0 | USD 15,946 |
| Single, USD 500,000 | USD 33,701 | USD 0 | USD 33,701 |
| Single, USD 1,000,000 | USD 67,951 | USD 0 | USD 67,951 |
| Family, USD 150,000 | USD 7,074 | USD 0 | USD 7,074 |
| Family, USD 250,000 | USD 13,685 | USD 0 | USD 13,685 |
| Family, USD 500,000 | USD 33,014 | USD 0 | USD 33,014 |
| Family, USD 1,000,000 | USD 67,264 | USD 0 | USD 67,264 |

[New York](https://www.mirabelloconsultancy.com/relocation/usa/new-york) is graduated, with a top rate of 10.9% that starts at USD 25,000,000 for a single filer, so none of these profiles reaches it: the single earner on USD 1,000,000 pays USD 67,951. [Florida](https://www.mirabelloconsultancy.com/relocation/usa/florida) has no individual income tax. All eight rows and the wider data are on our [New York to Florida comparison](https://www.mirabelloconsultancy.com/relocation/usa/compare/new-york-to-florida) and in the [USA relocation guide](https://www.mirabelloconsultancy.com/relocation/usa).

## Does Florida tax capital gains after moving from New York?

Florida does not tax capital gains at state level, because it has no individual income tax, whereas New York starts from federal adjusted gross income, which includes capital gain or loss on Form IT-201 line 7, so gains are taxed with other income at ordinary rates up to the 10.9% top rate.

The treatment is set out in the [IT-201 instructions](https://www.tax.ny.gov/forms/current-forms/it/it201i.htm) and the [Florida Department of Revenue FAQ](https://floridarevenue.com/faq/Pages/FAQDetails.aspx?FAQID=1466). If you expect a large gain, the date you become a non-resident and the source of the gain are the questions to take to your adviser. We do not publish a figure here because the answer depends on the asset.

## How does New York estate tax compare with Florida after a move?

New York levies an estate tax with an exclusion of USD 7,350,000 and a top rate of 16%, according to the New York Tax Department, while Florida shows no state estate tax and no state inheritance tax in our data, so for larger estates the state of domicile at death is a real planning question.

Details are on the [New York estate tax page](https://www.tax.ny.gov/pit/estate/etidx.htm) and [Form ET-706](https://www.tax.ny.gov/pdf/current_forms/et/et706_fill_in.pdf). New York real property or other assets remaining in the state can keep New York relevant after a move, and how the exclusion applies to your estate is for an estate adviser. Federal estate rules apply in both states and are outside this article. See our guide to [US state estate and inheritance taxes](https://www.mirabelloconsultancy.com/blog/us-state-estate-and-inheritance-taxes-2026) for the state layer nationally.

## Is rent lower in Florida than in New York after moving?

Housing does not simply fall on moving from New York to Florida, because median gross rent goes up from USD 1,704 to USD 1,866 a month, a difference of USD 162, while the median home value goes down from USD 470,900 to USD 396,700 (American Community Survey 2025), and the housing price index barely moves.

| Measure | New York | Florida |
| --- | --- | --- |
| State sales tax rate, 2026 | 4% | 6% |
| Median gross rent per month (ACS 2025) | USD 1,704 | USD 1,866 |
| Median home value (ACS 2025) | USD 470,900 | USD 396,700 |
| Effective property tax (ACS 2025) | 1.42% | 0.8% |
| Median real estate taxes per year (ACS 2025) | USD 6,706 | USD 3,180 |
| All-items price index, US = 100 (BEA 2024) | 107.9 | 103.4 |
| Housing price index, US = 100 (BEA 2024) | 122.2 | 122.1 |
| Electricity, US cents per kWh (EIA, to August 2026) | 29.26 | 15.32 |

The housing index is 122.2 in New York and 122.1 in Florida, and the all-items index 107.9 and 103.4 ([Bureau of Economic Analysis Regional Price Parities 2024](https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area)). These are statewide figures, and New York's combines New York City with the rest of the state, so a move from Manhattan or from upstate would look very different from this table. We do not publish a city-level figure in this article.

## Is property tax lower in Florida than in New York?

Property tax is lower in Florida on our measure, at an effective 0.8% against 1.42% in New York, a difference of 0.62 percentage points, and the median annual bill is USD 3,180 against USD 6,706, using median real estate taxes paid and median home value from the American Community Survey 2025.

Both figures are statewide medians from [American Community Survey 2025](https://www.census.gov/programs-surveys/acs/data/summary-file.html), and your bill will follow the county, the assessed value and any homestead rules that apply. Home insurance does not appear in these figures and we do not publish a figure for it, so obtain a quote for the specific property before you rely on a total.

## What about sales tax when moving from New York to Florida?

Sales tax moves in the opposite direction to income tax on moving from New York to Florida, with the state rate going up from 4% to 6%, a difference of 2 percentage points, on the 2026 rates published by the two states, and with local sales taxes in both states excluded from those figures.

The rates come from [New York Tax Law section 1105](https://www.nysenate.gov/legislation/laws/TAX/1105) and the [Florida Department of Revenue](https://floridarevenue.com/taxes/taxesfees/Pages/sales_tax.aspx). Residential electricity goes the other way, from 29.26 to 15.32 US cents per kWh ([Energy Information Administration, year to date through August 2026](https://www.eia.gov/electricity/monthly/epm_table_grapher.php?t=epmt_5_6_b)), a difference of 13.94 cents.

## What changes for a family moving from New York to Florida?

A family moving from New York to Florida sees infant centre childcare go from USD 20,459 to USD 10,847 a year (Department of Labor, 2023) and school spending per pupil from USD 26,097 to USD 10,823 (2020-21), with the share of residents without health insurance going from 4.7% to 10.5% (American Community Survey 2025).

| Measure | New York | Florida |
| --- | --- | --- |
| Marketplace premium per month (CMS 2026) | USD 812 | USD 806 |
| Residents without health insurance (ACS 2025) | 4.7% | 10.5% |
| School spending per pupil (NCES 2020-21) | USD 26,097 | USD 10,823 |
| Infant centre childcare per year (DOL 2023) | USD 20,459 | USD 10,847 |
| Mean commute in minutes (ACS 2025) | 33.5 | 29.3 |

Read these as context for questions, not as judgements on either state. Spending per pupil is an input and says nothing on its own about a particular school. The uninsured share describes the whole population, and the Marketplace premium, USD 812 against USD 806 a month ([Centers for Medicare & Medicaid Services 2026 open enrolment file](https://www.cms.gov/data-research/statistics-trends-reports/marketplace-products/2026-marketplace-open-enrollment-period-public-use-files)), is only one reference point for the cover you arrange. Sources: [US Department of Labor National Database of Childcare Prices, 2023](https://www.dol.gov/agencies/wb/topics/childcare/price-by-age-care-setting) and [National Center for Education Statistics, 2020-21](https://nces.ed.gov/programs/digest/d23/tables/dt23_236.65.asp).

## When do you stop being a New York resident for tax after moving to Florida?

New York treats you as a resident for tax if you are domiciled in the state, or if you keep a permanent place of abode there and spend more than 183 days of the tax year in New York, so moving to Florida while keeping a New York home leaves you with a test to pass.

Domicile is the harder limb, because it turns on where your life is genuinely centred and changing it is a question of evidence. The rule is in [New York Tax Law section 605](https://www.nysenate.gov/legislation/laws/TAX/605). A consistent record of where you live generally matters if the state asks, and a qualified US tax adviser can assess your position, ideally before the move. Our guide to [US state tax residency rules](https://www.mirabelloconsultancy.com/blog/us-state-tax-residency-rules-2026) compares the tests across states, and [our overview of states with no income tax](https://www.mirabelloconsultancy.com/blog/states-with-no-income-tax-2026) shows Florida beside the other eight.

## If you are moving to the United States rather than within it

Readers arriving from abroad face the immigration question first. Our [USA immigration overview](https://www.mirabelloconsultancy.com/immigration/usa-immigration) covers the routes, [this guide](https://www.mirabelloconsultancy.com/blog/where-to-live-in-the-usa-green-card-state-taxes-2026) looks at the state choice on a green card, [our note on the US golden visa question](https://www.mirabelloconsultancy.com/blog/is-there-a-us-golden-visa-2026) clears up the terminology, and our [golden visa programme overview](https://www.mirabelloconsultancy.com/best-golden-visa-investment-programs) covers residency routes elsewhere. Readers from Germany, Switzerland and Austria should see [US taxes after moving](https://www.mirabelloconsultancy.com/blog/us-taxes-after-moving-germany-switzerland-austria-2026). To see how income levels compare across all states we have computed, use the [state income tax table by income level](https://www.mirabelloconsultancy.com/blog/state-income-tax-by-income-level-2026). If you would like to check how these numbers apply to your own plan, you can [speak with our team](https://www.mirabelloconsultancy.com/contact-us-for-your-free-consultation) or start with [Mira, by Mirabello](https://www.mirabelloconsultancy.com/immigration-ai), our AI guide. How we compute every figure is on our [methodology page](https://www.mirabelloconsultancy.com/relocation/usa/methodology).

In summary

The state income tax difference between New York and Florida is easy to compute and, for city residents, understated here because New York City local tax is outside our figures. Rent, sales tax, home insurance and the residency test decide what the move means for you. This article is not tax advice: the New York Tax Department, the Florida Department of Revenue or a qualified US tax adviser can confirm your position.

Mirabello is an IMC member with ACAMS-certified leadership. If the move is part of a wider residency or family plan, [book a free consultation](https://www.mirabelloconsultancy.com/contact-us-for-your-free-consultation) and we will go through it with you.

Frequently asked questions

## Frequently asked questions

### How much state income tax would I stop paying moving from New York to Florida?

On our 2026 computation, wages only with no local tax or refundable credits, a single earner stops paying USD 4,860 on USD 100,000, USD 15,946 on USD 250,000, USD 33,701 on USD 500,000 and USD 67,951 on USD 1,000,000. New York City local tax is not included.

### Does this include New York City income tax?

No. Every figure here is New York State income tax only. If you live in New York City, your local income tax is additional, and we do not publish a figure for it in this article.

### Does Florida have a state income tax?

No. Florida has no individual income tax, so wages and capital gains are not taxed at state level. Federal income tax still applies.

### Does New York have an estate tax?

Yes. New York has an estate tax with an exclusion of USD 7,350,000 and a top rate of 16%, according to the New York Tax Department. Florida shows no state estate tax in our data.

### Is rent higher in Florida than in New York?

On statewide medians, yes: USD 1,866 a month in Florida against USD 1,704 in New York (American Community Survey 2025). New York's figure combines the city with the rest of the state, so your own comparison may differ.

### How does the New York day test work after a move to Florida?

The New York test applies to a person who keeps a permanent place of abode there and spends more than 183 days of the tax year in the state, and domicile is a separate test that a day count does not settle. A qualified US tax adviser can apply both to your facts.

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Source: Mirabello Consultancy, verified 2026-11-02, https://www.mirabelloconsultancy.com/blog/moving-from-new-york-to-florida-taxes-2026
Free consultation: https://www.mirabelloconsultancy.com/contact-us-for-your-free-consultation
Machine-readable data: Mirabello MCP https://mcp.mirabelloconsultancy.com