Compare taxes and see how much you save moving from Florida to Arizona
Florida has no state income tax (0%), while Arizona charges progressive rates from 2.5% to 4.5%. Moving from Arizona to Florida saves $4,000/year on $100k income. However, Arizona has much lower property taxes (0.60% vs FL's 0.98%) and Florida has higher property insurance ($4-8k/year for coastal areas vs AZ's minimal risk). Both states are popular retirement destinations with no tax on Social Security. Choose based on beaches vs desert lifestyle.
No Income Tax
Constitutional prohibition
Progressive
3 brackets, up to 4.5%
At $100,000 income:
That is $333/month back in your pocket!
| Income | FL Tax | AZ Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $0 | $1,750 | $1,750 | $17,500 |
| $100,000 | $0 | $4,000 | $4,000 | $40,000 |
| $200,000 | $0 | $8,500 | $8,500 | $85,000 |
| $500,000 | $0 | $22,000 | $22,000 | $220,000 |
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Moving from Arizona to Florida? Multi-state returns are tricky—partial-year residency, different deadlines. Get matched with a CPA who specializes in state moves.
⚠ Not for simple single-state returns. Free filing is fine for straightforward W-2 situations.
Get Matched With a CPA →On $100,000 income, Florida saves $4,000/year (AZ ~4% effective vs FL 0%). Over 10 years: $40,000. On $500,000 income: $22,000/year ($220,000 over 10 years). However, Florida property tax is higher (0.98% vs AZ 0.60%). On a $600k home, FL pays $5,880/year vs AZ $3,600/year—difference of $2,280/year. The big wildcard: FL hurricane insurance ($4-8k/year coastal) vs AZ ($1-2k). For homeowners, these costs can offset income tax savings.
Very real. Florida homeowner insurance averages $4-6k statewide, $8k+ in coastal areas post-Hurricane Ian. Some carriers have left entirely. Arizona averages $1-2k (no hurricane risk). This $3-7k annual difference can significantly reduce FL's income tax advantage for coastal homeowners. Renters aren't affected by homeowner insurance, so they benefit fully from FL's zero income tax.
Both excellent for retirees: no income tax on Social Security/pensions in either state (AZ has income tax but exempts retirement income). Florida wins on: zero income tax on ALL income, beaches, cruise access. Arizona wins on: lower property tax (0.60% vs 0.98%), dry heat (no humidity), no hurricanes, lower insurance. Choose FL for beaches/humidity tolerance. Choose AZ for dry heat/outdoor activities.
Yes, Florida has net positive migration from Arizona. In 2023, 18,347 moved AZ → FL (vs 14,829 FL → AZ), net gain of 3,518 for Florida. Migration drivers AZ → FL: beaches/coastal lifestyle, zero income tax, cruise access. Migration drivers FL → AZ: escaping humidity/hurricanes, dry heat, lower property tax/insurance. Both states gain heavily from CA/NY/IL.