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What do I need to know about moving from Pennsylvania to Florida?

Pennsylvania taxes income at a flat 3.07 percent, but Social Security, military pensions and eligible employer plan payments after retiring are not taxed.

That is the 2025 rate, and Railroad Retirement benefits are not taxed either. Eligible employer plan payments, including from a 401(k), are not taxed once you meet the plan's age or years of service conditions and retire. IRA withdrawals are not taxed at or after age 59 1/2; taken earlier, the part above what you put in is taxed, and money paid as an inducement to retire early is taxed as pay.

Workers also pay a local earned income tax. The Department of Community and Economic Development, 888-223-6837, says the rate withheld is the higher of the rate where you live and the rate where you work, and a person who lives outside Pennsylvania but works there still owes the work-location rate.

To change your domicile, the Department of Revenue looks for evidence of three things: a firm intention to end Pennsylvania as your main base, a firm intention to make the new place your main base, and your actual presence and home there. The change dates from your first day in the new place. No one item decides it; the department weighs where you spend the most time, work, bank, hold a driver license and car registration, vote and file tax returns. Keeping a house or apartment in Pennsylvania and spending more than 183 days there in a year makes you a statutory resident even if your domicile is elsewhere.

In the year you move, a part-year resident with more than $33 of Pennsylvania gross taxable income files a PA-40. You are taxed on income from all sources while a resident; after the move, Pennsylvania does not tax your ordinary interest, dividends or gains on intangible property, but it still taxes income from Pennsylvania sources.

Pennsylvania also has an inheritance tax, at these rates

  • 0 percent to a surviving spouse
  • 4.5 percent to children and other direct descendants
  • 12 percent to brothers and sisters
  • 15 percent to other heirs

For a person who dies a nonresident, the department's return says all real property and tangible personal property located in Pennsylvania is taxable, so a house kept there after a move is still taxed.

PennDOT asks you to mail the Pennsylvania plate back once you have a plate from your new state, to the Bureau of Motor Vehicles, Return Tag Unit, P.O. Box 68597, Harrisburg, PA 17106-8597. It is then marked a dead tag, which PennDOT says helps protect you from fraudulent use. A vehicle registered in Pennsylvania must stay insured; a lapse of more than 30 days suspends the registration for three months, and returning the plate and registration card when the insurance is cancelled avoids the suspension.

Interstate 95 runs from Pennsylvania to Miami. Amtrak's Auto Train runs nonstop and daily between Lorton, Virginia, near Washington, and Sanford, Florida, near Orlando, carrying passengers and their cars.

The Weather Service's January normals for Pittsburgh for 1991 to 2020 are a high of 36.3 degrees and a low of 21.4. Orlando's January normals for the same years are a high of 71.8 and a low of 49.5.

The Department of Revenue answers at 717-787-8201 and PennDOT at 717-412-5300. Florida's own steps for a driver license, registration and a legal home are in the answers linked below.

Where to go from here.

The Florida Welcomes You sign at the Florida Welcome Center near Jennings.01

What do I have to do after I move to Florida?

The state starts the clock on the day you establish residency, and two deadlines come first.

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The Neil Kirkman Building in Tallahassee, headquarters of the Florida Department of Highway Safety and Motor Vehicles.02

How do I get a Florida driver license after I move?

You have 30 days from the day you establish residency. Bring originals.

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The Miami-Dade Tax Collector's office building in Miami.03

How do I register my car in Florida?

Within 10 days of establishing residency. Buy the insurance first: Florida needs proof of a policy from an agent licensed in Florida before it registers the car.

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Generated image of a smiling couple signing a paper at an office counter while a clerk stamps it, with a Florida flag on the counter.04

How do I make Florida my legal home?

Florida law lets anyone who lives here show it in writing with a Declaration of Domicile, a sworn statement filed with the clerk of the circuit court in the county where you live (section 222.17 of the Florida Statutes).

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The old Florida State Capitol in Tallahassee, with the new capitol behind it.05

Does Florida have a state income tax?

No. Florida does not tax personal income, so wages, pensions, withdrawals from an IRA or a 401(k), and Social Security are all free of state income tax, and there is no inheritance tax or gift tax either.

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Generated image of an older couple signing papers at their dining table while two friends stand beside them as witnesses, a pool and palm trees outside.06

Do I need a new will when I move to Florida?

Not necessarily. A will signed in another state, other than a handwritten or spoken one, is valid in Florida if it was valid where it was signed.

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