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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
Calculate your take-home → See all comparisons →
OVERVIEW
Florida offers clear tax advantages over neighboring Georgia with its 0% income tax versus Georgia's flat 4.99% rate (applied to income above ~$32,100 in combined deductions). At $100,000 income, you save $3,388 annually in Florida. Georgia has been reducing rates and is reached 4.99% in 2026 under HB 463, but Florida's constitutional ban on income tax remains unbeatable.
Section 01

The Big Picture

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

🌴
COUNTRY A
Florida
TAX RATE
0%
No Income Tax

Constitutional prohibition on state income tax

🍑
COUNTRY B
Georgia
TAX RATE
4.99%
Flat Rate (2026)

4.99% flat rate (reached target in 2026 under HB 463)

TYPICAL ANNUAL DIFFERENCE
Moving from Georgia → Florida at $100,000
$3,524

That's $294/month back in your pocket

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
$0
$929
$929
$9,290
$75,000
$0
$2,227
$2,227
$22,270
$100,000
$0
$3,524
$3,524
$35,240
$150,000
$0
$6,119
$6,119
$61,190
$250,000
$0
$11,309
$11,309
$113,090
$500,000
$0
$24,284
$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
🍑

Georgia Pros & Cons

+ PROS
  • Lower housing costs than FL
  • Major film/TV industry (Atlanta)
  • Four distinct seasons
  • Strong job market (Atlanta)
− CONS
  • 4.99% 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 $3,388 per year in state income tax. Georgia's 4.99% flat rate applies to income above ~$32,100 in combined deductions. At $250,000, savings reach $10,865 annually.

What is Georgia's current tax rate?

Georgia has a flat 4.99% income tax rate for 2026, applied to taxable income (gross minus ~$32,100 in standard deduction and personal exemptions). Georgia reached 4.99% in 2026 under HB 463, ahead of the original schedule.

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.
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