Moving from Texas to Florida: The Numbers That Actually Change

Thinking about moving from Texas to Florida? You are not alone: IRS migration data records about 9,395 TX 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 Texas movers actually settle, ranked from real filing data rather than anecdotes.

Texas to Florida at a glance

The income tax you stop paying

Texas has no state income tax on wages either (no state income tax), so your income-tax picture does not change much in a move to Florida. What changes is the rest: property tax structure, insurance, and the homestead rules below. Run the full comparison in our relocation calculator.

Property taxes and insurance: what replaces it

Texas’s average property-tax rate runs near 1.65% 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 Texas — 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 Texas 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 TX 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 Texas 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 TX 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.