Florida Tax Calculator
Estimate your 2026 take-home pay, paycheck, and tax savings as a Florida resident. Florida has no state income tax — see exactly how much of your salary you keep.
Your situation
Estimate uses 2026 projected federal brackets and the 2026 standard deduction. Florida applies no state income tax.
Your take-home
No FL state tax- Gross annual
- $100,000
- Pretax 401(k)
- —
- Pretax health / HSA
- —
- Federal income tax
- – $13,404
- Social Security
- – $6,200
- Medicare
- – $1,450
- Florida state income tax
- $0
- Effective tax rate
- 21.05%
- Marginal federal rate
- 22.00%
Why Florida produces some of the highest take-home pay in the US
Florida is one of nine US states with no state income tax. For W-2 earners, this means every paycheck reflects only federal income tax and FICA — there is no state withholding line. For self-employed and 1099 workers, federal SE tax still applies, but no state income tax does. For retirees, Social Security, pensions, IRA distributions, and 401(k) withdrawals are all exempt from state-level tax in Florida.
The practical result: at the same gross income, a Florida resident keeps meaningfully more of every paycheck than a resident of California, New York, New Jersey, Massachusetts, Illinois, or any other high-tax state. The savings scale with income — at $100,000 single you save roughly $5,000 per year vs. California; at $500,000 single you save more than $40,000 vs. either California or New York City.
This calculator uses 2026 projected federal brackets and the 2026 standard deduction. We surface every assumption explicitly on the Methodology page so you can see exactly how each number is computed.
Built for the four biggest Florida-money questions
Florida tax basics, in plain English
State income tax: 0%. Florida does not levy a personal income tax. The Florida Constitution prohibits one without a constitutional amendment.
Property tax: Run at the county level, with millage rates typically 1.6%–2.2% before the homestead exemption. The homestead exemption removes up to $50,000 from assessed value for owner-occupied primary residences. Save Our Homes caps the annual increase in assessed value at 3% (or CPI, whichever is lower) — this is materially valuable on long-held homes.
Sales tax: 6% state plus county discretionary surtaxes typically adding 0.5%–1.5%. Most groceries and prescription drugs are exempt.
Estate tax: None. Florida has no state-level estate or inheritance tax.
Capital gains: No state-level capital gains tax. Federal capital gains rules apply unchanged.
Frequently asked questions
Does Florida have a state income tax?+
No. Florida is one of nine US states with no state income tax. Florida residents pay only federal income tax, FICA (Social Security and Medicare), and any applicable Additional Medicare Tax on high incomes.
How much do I save by living in Florida?+
It depends on your income and the state you are comparing against. A $150,000 single earner saves roughly $9,000 per year vs. California, $11,500 vs. NYC, and $8,500 vs. New Jersey — all from state income tax that Florida does not impose.
Is Florida actually cheaper to live in?+
Tax-wise, almost always. Total cost-of-living depends on the specific Florida metro and which state you are moving from. Tampa, Jacksonville, and Orlando run below the US average; Miami, Naples, and Palm Beach run above. Property and auto insurance are higher in Florida than in most states.
Are pensions and Social Security taxed in Florida?+
No. Florida applies no state tax to Social Security, pensions, IRA distributions, or 401(k) withdrawals. Federal taxation of these incomes is unchanged.
How do I establish Florida residency?+
Spend 183+ days physically in Florida, get a Florida driver's license, register to vote, file the homestead exemption on a primary Florida residence, and sever meaningful ties to your prior state. See our Florida residency guide for the full checklist.