Moving to Florida from Ohio
An honest cost comparison for Ohio buyers heading south
Moving to Florida from Ohio saves state income tax and, for many city residents, municipal income tax, but the typical Florida home costs $375,361 in Zillow's home value index, and insurance runs higher than most Ohio buyers are used to. The Ohioans who come out ahead usually pick a lower-cost Florida county, buy with the full monthly cost in view, and set up Florida residency properly from the start.
- Typical home value
- $375K Florida, Zillow, September 2026
- Past year
- −0.9%
- Past 5 years
- +18.6%
Which Ohio taxes go away, and which costs go up
Ohio has a state income tax, and many Ohio cities and some school districts add their own income tax. Florida has no state income tax and no local income taxes. Ohio repealed its estate tax years ago, so for most Ohio families the estate side does not change; Florida has no estate or inheritance tax either.
On the other side of the ledger:
- Homeowners insurance in Florida is usually a larger monthly cost, driven by wind risk, roof age and flood exposure.
- HOA and CDD fees are common in newer Florida subdivisions.
- Purchase prices in Florida's popular coastal areas are often higher than in much of Ohio.
Run the numbers with your actual income. A retiree living mostly on Social Security may save less than a working couple with wages or a business. This isn't legal or tax advice; a CPA can model the move year for you.
Zillow Home Value Index, mid-tier, seasonally adjusted. Hover to see any date.
Data table
| Month | All homes |
|---|---|
| Dec 2012 | $137,888 |
| Dec 2013 | $159,013 |
| Dec 2014 | $174,323 |
| Dec 2015 | $191,493 |
| Dec 2016 | $208,002 |
| Dec 2017 | $224,615 |
| Dec 2018 | $240,223 |
| Dec 2019 | $250,318 |
| Dec 2020 | $272,004 |
| Dec 2021 | $332,010 |
| Dec 2022 | $393,135 |
| Dec 2023 | $400,867 |
| Dec 2024 | $396,947 |
| Dec 2025 | $376,536 |
| Sep 2026 | $375,361 |
Property tax with homestead, step by step
Ohio buyers know reappraisals and levies on the ballot. Florida's system for a primary residence works like this:
- The assessment resets to market value the January after you buy.
- Homestead exemption: $25,000 off every levy and up to another $26,411 off non-school levies in 2026, for a total of up to $51,411.
- Save Our Homes: from the second year, the assessed value rises by no more than 3% or CPI, whichever is lower.
- Deadline: own and occupy the home on January 1, and file with the county property appraiser by March 1.
- One state only: Florida will not grant homestead to someone claiming a residency-based exemption elsewhere, including an Ohio homestead exemption on a house you keep.
A winter-only condo stays non-homestead: no exemption, and a 10% cap that covers non-school levies only. Florida voters face Amendment 3 on homestead and non-homestead taxes on November 3, 2026, with a 60% threshold; check whether it passed.
- Monroe County$963K
- Walton County$661K
- Collier County$552K
- Miami-Dade County$523K
- St. Johns County$493K
- Nassau County$485K
- Palm Beach County$476K
- Martin County$448K
- Broward County$422K
- Franklin County$422K
- Manatee County$408K
- Gulf County$404K
Show all 67
- Orange County$401K
- Seminole County$400K
- Sarasota County$399K
- Sumter County$388K
- Hillsborough County$376K
- St. Lucie County$371K
- Pinellas County$369K
- Indian River County$364K
- Lake County$360K
- Osceola County$359K
- Okaloosa County$353K
- Santa Rosa County$351K
- Flagler County$350K
- Bay County$343K
- Brevard County$342K
- Clay County$335K
- Lee County$334K
- Pasco County$328K
- Volusia County$325K
- Baker County$314K
- Gilchrist County$306K
- Hernando County$306K
- Jefferson County$306K
- Alachua County$299K
- Charlotte County$299K
- Polk County$296K
- Duval County$294K
- Leon County$291K
- Okeechobee County$289K
- Levy County$287K
- Wakulla County$286K
- Escambia County$280K
- Hendry County$270K
- Citrus County$269K
- Marion County$268K
- Columbia County$268K
- Suwannee County$267K
- Lafayette County$262K
- Glades County$257K
- Union County$257K
- Bradford County$253K
- De Soto County$250K
- Hardee County$235K
- Highlands County$231K
- Washington County$221K
- Dixie County$218K
- Putnam County$216K
- Hamilton County$207K
- Madison County$206K
- Liberty County$201K
- Gadsden County$200K
- Taylor County$197K
- Holmes County$181K
- Jackson County$180K
- Calhoun County$167K
Zillow index, highest to lowest.
- Miami$584K
- Boca Raton$580K
- Miami Beach$531K
- Coral Springs$522K
- Miramar$520K
- Davie$515K
- Fort Lauderdale$510K
- Plantation$492K
- Pembroke Pines$487K
- Miami Gardens$474K
- Hialeah$444K
- Hollywood$442K
Show all 40
- Homestead$437K
- West Palm Beach$405K
- Boynton Beach$404K
- The Villages$392K
- Port St. Lucie$384K
- Tampa$376K
- Orlando$373K
- Riverview$363K
- Sunrise$361K
- Melbourne$358K
- Kissimmee$355K
- Brandon$353K
- St. Petersburg$352K
- Pompano Beach$350K
- Palm Coast$344K
- Clearwater$341K
- Largo$336K
- Cape Coral$335K
- Lakeland$309K
- Fort Myers$305K
- Palm Bay$303K
- Spring Hill$303K
- North Port$303K
- Deltona$298K
- Gainesville$292K
- Tallahassee$291K
- Jacksonville$285K
- Deerfield Beach$272K
Zillow index, highest to lowest.
The I-75 corridor and where Ohio buyers can look
Interstate 75 runs from Ohio straight down to Southwest Florida, which is one reason the Gulf side and inland Central Florida are easy for families who drive back and forth. Along that path and nearby, using Zillow's all-homes values:
- Ocala and Marion County: $267,911 for the county in the heart of Florida's horse country.
- Nature Coast: Citrus County at $268,688, Hernando County at $306,116 and Spring Hill at $303,307.
- Tampa Bay suburbs: Brandon at $353,216 and Riverview at $363,056; Pasco County at $328,125.
- Southwest Florida: North Port at $303,227, Fort Myers at $304,566 and Cape Coral at $334,660. Sarasota County runs higher at $399,023 and Collier County at $552,087.
Away from the interstate, Central Florida's Polk County at $295,509 and Lakeland at $309,422 sit between Tampa and Orlando.
Ohio to Florida retirement: picking the setting
Census data gives the share of residents 65 and older, which tells you how retiree-oriented a town is:
- The Villages: 85.2%, with all homes at $392,424. Organized golf, clubs and activities on a large scale.
- Palm Coast: 29.5%, at $343,894, on the Atlantic side.
- Largo: 28.0%, at $335,649, in Pinellas County.
- North Port: 27.7%, with newer housing.
- Fort Myers: 23.2%, and Lakeland: 21.5%.
A 55+ community must have at least 80% of occupied units with one resident 55 or older under the federal Housing for Older Persons Act. Before you buy in one, ask for the HOA budget, amenity fees, any CDD debt, and whether the land under a manufactured home is owned or leased.
Houses are built for wind here
Ohio homes are built for cold. Florida homes are built for wind and heat, and inspections focus on different things:
- Construction: concrete block with stucco is common, especially in Central and South Florida. Basements are almost unheard of.
- Roof: insurers care most about its age and condition. Shingle roofs in Florida sun do not last as long as Ohio buyers expect.
- Wind mitigation inspection: roof straps, roof shape, and shutters or impact windows can lower the wind premium.
- 4-point inspection: for older homes, checks roof, electrical, plumbing and HVAC.
- Air conditioning: runs most of the year; the age of the system is a real budget item.
Insurance numbers to plan around
The hurricane deductible is a percentage of dwelling coverage, often 2% or 5%, and Florida applies it once per calendar year. On a home insured at the state's typical single-family value of $396,809, a 2% deductible is about $7,940 and 5% about $19,840. Keep that in savings.
- Flood insurance is a separate policy. Lenders require it in FEMA A and V zones, and many inland buyers carry it anyway.
- Citizens Property Insurance is the state-backed insurer of last resort.
- Get quotes in the inspection period, using the actual roof age and the wind mitigation report.
Setting up Florida residency after the move
Ohio residents who move south often keep ties for a while: a house, a cottage on a lake, a family business or doctors they trust. That is normal, but it means you should be deliberate about the switch.
- Driver's license: new residents are expected to get a Florida license within 30 days of establishing residency, and to title and register their vehicles in Florida.
- Voter registration: register in your Florida county and cancel the Ohio registration.
- Declaration of Domicile: a short sworn statement filed with the county clerk, often recommended as supporting evidence.
- Homestead application: filed with the property appraiser by March 1, with your Florida license and vehicle registration as proof.
- Final Ohio return: file a part-year return for the move year, and check whether your Ohio city expects one too.
Keep copies of all of it in one folder. If a tax office ever asks when you moved, a clean paper trail answers the question in an afternoon.
Prices right now
Statewide, all homes are down 0.9% over the past year and up 18.6% over five years; condos are down 3.9% at $262,592. Some of Florida's lowest-priced counties sit in the north and the Panhandle, such as Columbia at $267,659 and Suwannee at $266,652, while South Florida and the Keys are far higher. For an Ohio budget, a shortlist that compares two or three of these regions at the same price point shows quickly what each one gives you.
Florida: questions and answers
Is it cheaper to live in Florida than Ohio?
Not across the board. Florida removes state and local income tax, but home prices in popular coastal areas and homeowners insurance are often higher. Lower-cost Florida counties narrow the gap.
What are the best places in Florida for Ohio retirees?
Areas along or near I-75 are popular because the drive is simple: Ocala, the Nature Coast, Tampa Bay suburbs, Sarasota County and Southwest Florida. The Villages and Palm Coast have very high shares of residents 65 and older.
Does Florida tax Social Security or pensions?
No. Florida has no state income tax, so it does not tax Social Security, pensions or IRA withdrawals.
Can I keep my Ohio homestead exemption and get Florida homestead?
No. Florida denies homestead to anyone receiving a residency-based property tax exemption in another state. You choose one permanent residence.

Get a shortlist that fits your budget
Tell me what you're looking for and I'll send real listings with the full cost of owning each one: HOA or condo fees, property tax at your price, insurance, and closing costs. No newsletters, no pressure.
- MLS listings, including ones that just hit the market
- Condo budget, reserves and inspection history checked before you offer
- Fully remote if you need it: video tours, e-signing, wire to escrow
Or reach me directly: (754) 203-9632 · [email protected] · WhatsApp on the same number
Run the numbers for your purchase
Data: Zillow Home Value Index (ZHVI), Zillow Research, latest month September 2026; U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates. Figures for small areas carry margins of error. These are planning numbers, not an appraisal of any property.