Moving from Maryland to Florida: The Numbers That Actually Change

Thinking about moving from Maryland to Florida? You are not alone: IRS migration data records about 21 MD households a year landing in the Florida counties we track. Below is what actually changes financially — the income tax you stop paying, the property tax and insurance math that replaces it — and where Maryland movers actually settle, ranked from real filing data rather than anecdotes.

Maryland to Florida at a glance

The income tax you stop paying

Maryland’s income tax is graduated + ~3% county local income tax included (approximate effective rate near 7.50% for a typical household; local additions noted where common). Florida’s is zero — there is no state income tax, and the Florida constitution prohibits one. At that approximate effective rate, a household earning $100,000 keeps roughly $7,500 a year; at $250,000, roughly $18,750. Run your own numbers, including property tax and insurance, in our MD-to-Florida relocation calculator — rates are approximate 2026 figures, so verify against your own filings.

Property taxes and insurance: what replaces it

Maryland’s average property-tax rate runs near 1.05% of home value. Florida’s effective rates typically land around 0.8–1.1% depending on county millage — but two Florida specifics matter more than the rate. First, your assessment RESETS to roughly your purchase price when you buy: the seller’s tax bill tells you nothing about yours (model it with the property tax after purchase calculator). Second, homeowners insurance is a bigger line item than in Maryland — premiums vary sharply by county, roof age and wind mitigation, so get a real quote before you commit (the wind mitigation calculator shows the credits an inspection can unlock).

Where Maryland movers actually go

Ranked by IRS tax-return filings (IRS SOI county-to-county migration, 2022-2023) — each return is roughly one household moving. These are the counties where MD appears among the largest origin states, so smaller flows exist beyond this list.

What homes cost where these movers go

Typical home values (Zillow ZHVI), current median list prices (Realtor.com inventory data), our modeled all-in monthly cost of ownership, and Citizens average insurance premiums for the top destination counties:

Making the move official

Florida domicile is established by actions, not intent: file a Declaration of Domicile with your county clerk, get a Florida driver license (required within 30 days of establishing residency), register vehicles and to vote, and — the big one — claim the homestead exemption on your new primary residence by March 1 of the year after you buy. Homestead brings the $25,000–$50,000 exemption, the 3%% Save Our Homes assessment cap, and creditor protections. High-tax states audit departing high earners, so keep records showing your center of life moved: days in state, home, doctors, and where your family actually lives.

Start with the numbers: the relocation calculator compares your full Maryland cost stack against any Florida county, and the buyer closing costs calculator shows your Florida cash-to-close.

Common questions

Migration figures: IRS SOI county-to-county migration (2022-2023), counting tax returns as households; counties are listed where MD ranks among their largest origin states. Tax rates are approximate 2026 effective figures for comparison only - verify against your own filings; not tax or legal advice. As of 2026-06-16. Equal Housing Opportunity.