Where can I afford to retire in Florida on Social Security?
The average Social Security check for a retired worker is $2,071 a month in 2026, just under $25,000 a year, and Florida takes no income tax from it.
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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.
The state collects instead through a 6 percent sales tax, to which 65 of the 67 counties add a local surtax - Citrus and Collier are the two that do not - through property taxes, which are set locally, and through taxes aimed largely at visitors, such as the county tourist taxes on hotel rooms and short rentals. To be taxed as a Florida resident you have to make Florida your permanent home, and the state you are leaving may have its own rules about when you stop owing it tax, so check with that state before you count on the saving.
Where to go from here.
How much are property taxes in Florida?
There is no single Florida rate. Your bill is the home's assessed value, minus any exemptions, times the millage rates set each year by the county, the city if you live in one, the school board and any special districts, so two houses of the same price in neighboring towns can pay different amounts.
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Open the page →Where this comes from.
- Florida Department of Revenue, Florida's taxes (personal income tax) ↗ Read September 16, 2026
- Florida Department of Revenue, DR-15DSS discretionary sales surtax, 2026 ↗ Read September 23, 2026
More questions like this.
Why is home insurance so expensive in Florida, and how can I lower it?
Hurricane wind is the main cost in a Florida home policy, and the price is set by the address, the age and shape of the roof and how the house is built, so it can differ a great deal between two homes on the same street.
Do I need flood insurance in Florida?
A standard homeowners policy does not cover flooding. Flood is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually takes 30 days to start, so it cannot be bought the day a storm is named.
What should I know before buying a condo in Florida?
Since the Surfside collapse in 2021 Florida has changed what condo buildings must do, and it shows up in the monthly fee.
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