HEAD-TO-HEAD TAX COMPARISON · 2026

COUNTRY A Florida VS COUNTRY B Georgia

Side-by-side analysis of income tax, effective rates, and take-home pay for Florida and Georgia in 2026.

Daniel · CountryTaxCalc Updated May 2026 Tax Comparison 2026

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OVERVIEW

Florida offers clear tax advantages over neighboring Georgia with its 0% income tax versus Georgia's flat 5.19% rate (applied to income above ~$32,100 in combined deductions). At $100,000 income, you save $3,524 annually in Florida. Georgia has been reducing rates and is scheduled to reach 4.99% by …

Section 01

The Big Picture

Top-line rates and effective take-home for a typical earner — including income tax, social contributions, and applicable surcharges.

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COUNTRY A

Florida

TAX RATE

No Income Tax

Constitutional prohibition on state income tax

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COUNTRY B

Georgia

TAX RATE

5.19%

Flat Rate (2026)

5.19% flat rate (2026; reducing toward 4.99% by 2029)

Section 02

Tax Savings by Income Level

Net take-home after all income tax, social contributions, and surcharges — for a single employee with no dependents.

GROSS INCOME

🌴 FL TAX

🍑 GA TAX

SAVINGS

10-YEAR

$50,000

$929

$9,290

$75,000

$2,227

$22,270

$100,000

$3,524

$35,240

$150,000

$6,119

$61,190

$250,000

$11,309

$113,090

$500,000

$24,284

$242,840

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Florida Pros & Cons

+ PROS

0% state income tax
No estate tax
Beach lifestyle
Growing job market

− CONS

Hurricane risk
High property insurance
Rising housing costs
Hot humid summers

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Georgia Pros & Cons

+ PROS

Lower housing costs than FL
Major film/TV industry (Atlanta)
Four distinct seasons
Strong job market (Atlanta)

− CONS

5.19% income tax
Atlanta traffic congestion
No beach access
Higher overall taxes

FAQ

Frequently Asked Questions

How much will I save moving from Georgia to Florida?

At $100,000 income, you save $3,524 per year in state income tax. Georgia's 5.19% flat rate applies to income above ~$32,100 in combined deductions. At $250,000, savings reach $11,309 annually.

What is Georgia's current tax rate?

Georgia has a flat 5.19% income tax rate for 2026, applied to taxable income (gross minus ~$32,100 in standard deduction and personal exemptions). Georgia is reducing this rate further toward 4.99% by 2029 under existing legislation.

Which state is cheaper overall?

Florida generally costs more for housing (median ~$400K vs $350K in GA) and has higher insurance costs. However, income tax savings often outweigh these differences, especially at higher incomes.

How do property taxes compare?

Georgia averages 0.87% property tax vs Florida's 0.83%. They're similar. Insurance costs are the bigger factor—Florida's average homeowner's insurance is significantly higher due to hurricane risk.

🌴 COUNTRY A Florida VS 🍑 COUNTRY B Georgia