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Relocation guide · Updated October 2026
Moving to Florida: the complete 2026 guide for home buyers
Where to live, what it really costs, how taxes and insurance work, and how to buy remotely. Plus a home buyer rebate that puts thousands back in your pocket at closing.
$500,000 relocation purchase
$7,500
back at closing
Example only. Commissions are negotiable and vary by transaction. Your rebate is 50% of the compensation actually received, confirmed in writing.
Plan my Florida move
Reviewed by Bryan Berns, Florida real estate broker (License BK3659524), licensed since 2011 · Updated October 2026Pick your Florida region
Central Florida
Orlando, theme-park economy, lakes and lots of new construction. Orlando rebate
Tampa Bay
Growing job market, Gulf beaches and suburbs like Wesley Chapel. Tampa rebate
South Florida
Miami, Fort Lauderdale and Palm Beach: international and luxury. Miami · Palm Beach
Northeast Florida
Jacksonville and St. Johns County: four mild seasons and value. Jacksonville rebate
Space & Treasure Coast
Daytona, Palm Coast and Port St. Lucie: Atlantic beaches and new communities. Port St. Lucie
Florida money basics for newcomers
No state personal income tax
Florida doesn't tax wages or retirement income at the state level.
Homestead exemption
Primary residences can get up to $50,000 off assessed value. Apply with your county property appraiser by March 1.
Save Our Homes cap
After homestead, yearly increases in assessed value are capped at 3% or inflation, whichever is lower.
Insurance is the big variable
Homeowners and flood insurance vary widely by location, age and construction. Get quotes before you're under contract.
Insurance, flood zones and hurricanes
Insurance is the cost that surprises newcomers most. Newer homes built to current codes, with impact windows and a newer roof, usually cost less to insure. Citizens Property Insurance, the state-backed insurer of last resort, covers homeowners who can't find private coverage.
Check the flood zone and elevation of every home you consider. Flood insurance is separate from homeowners insurance, and lenders require it in high-risk zones.
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.
Moving to Florida FAQ
Where are most people moving from?
Large numbers come from New York, New Jersey, California, Illinois and other Northeast and Midwest states, plus Canada for seasonal living.
Can I buy a Florida home without visiting?
Yes. Many buyers use video tours, remote inspections and mobile or online closings. Many still visit once before closing.
When should I apply for homestead?
After you own and live in the home as your permanent residence. The application deadline is March 1 for that tax year.
Does the rebate work for relocating buyers?
Yes. It works the same for in-state and out-of-state buyers.
Plan your move with a rebate
Tell us where you're coming from and where you're looking. We'll set up remote tours and confirm your rebate.
Faster: call or text
(407) 357-0357