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Relocation guide · California to Florida
Moving to Florida from California: what changes, and how to keep more of your equity
California sellers often arrive with substantial equity. Here's how Florida's taxes, property taxes and insurance compare, and how a 50% buyer rebate stretches your budget further.
$1,200,000 Florida purchase
$15,000
back at closing
Example at a 2.5% commission. Commissions are negotiable and vary by transaction.
Plan my move from California
Reviewed by Bryan Berns, Florida real estate broker (License BK3659524), licensed since 2011 · Updated October 2026California vs. Florida at a glance
| California | Florida | |
|---|---|---|
| State personal income tax | Yes, top rate over 13% | None |
| Property tax rules | Prop 13: assessed value resets on purchase, then limited annual increases | Homestead exemption plus Save Our Homes cap on primary homes |
| Main natural hazards | Wildfire and earthquake | Hurricanes and flooding |
| Insurance focus | Fire coverage availability | Wind, roof age and flood zone |
Simplified comparison. Your Prop 13 base doesn't transfer to Florida; Florida assessments start fresh at your purchase.
Leaving California the right way
Moving your home is only part of changing residency. California may review whether you've truly left, especially if you keep property, accounts or business ties there. Work with a tax advisor on timing and documentation.
In Florida, file for homestead, get a Florida driver's license and register to vote. Many new residents also record a Declaration of Domicile with their county clerk.
Where Californians are buying in Florida
Miami & South Florida
Urban living, international culture and luxury condos. Pre-construction rebates
Naples & Southwest Florida
Gulf-front living and golf. Naples rebate
Tampa Bay
Growing tech and finance jobs with a beach lifestyle. Tampa rebate
Orlando
Newer homes and more space for the money. Orlando rebate
Buying from out of state? We handle it remotely
Video tours, digital paperwork and remote closings. Lock in your 50% rebate in writing before you fly down. Commissions are negotiable and every situation is different.
California to Florida FAQ
Is Florida cheaper than California?
Often for housing and taxes, but insurance can be higher. Compare total monthly costs, not just price.
Can I keep my California home as a rental?
Yes, but it may affect how California views your residency. Get tax advice first.
Will my rebate be bigger on a higher-priced home?
Yes. It's 50% of the commission, which is based on price.
Plan your California-to-Florida move
Tell us your timeline and target area. We'll arrange video tours and confirm your rebate in writing.
Faster: call or text
(407) 357-0357