Compare taxes and see how much you save moving from North Carolina to Florida
Florida's 0% income tax offers clear savings over North Carolina's flat 4.5% rate. At $100,000 income, you save $4,500 annually in Florida. North Carolina has lower housing costs and a thriving Research Triangle tech scene, but Florida wins on taxes. Both states are popular retirement destinations.
Flat Rate
Flat 4.5% income tax (reduced from 5.25% over recent years)
No Income Tax
Constitutional prohibition on state income tax
At $100,000 income:
That is $375/month back in your pocket!
| Income | NC Tax | FL Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $2,250 | $0 | $2,250 | $22,500 |
| $75,000 | $3,375 | $0 | $3,375 | $33,750 |
| $100,000 | $4,500 | $0 | $4,500 | $45,000 |
| $150,000 | $6,750 | $0 | $6,750 | $67,500 |
| $250,000 | $11,250 | $0 | $11,250 | $112,500 |
| $500,000 | $22,500 | $0 | $22,500 | $225,000 |
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Moving from North Carolina to Florida? Multi-state returns are tricky—partial-year residency, different deadlines, avoiding double taxation. Get matched with a CPA who specializes in state moves. Virtual meetings, fixed pricing.
Get Matched With a CPA →At $100,000 income, you save $4,500 per year (4.5% of income). NC's flat tax makes calculations simple. At $250,000, savings reach $11,250 annually. Over 10 years, a $100K earner keeps $45,000 more.
North Carolina has a flat 4.5% income tax rate for 2026. The rate has been declining from 5.25% over recent years, with plans to potentially reduce further. It's a simple flat rate on all taxable income.
Florida has no income tax (including on retirement income) and no estate tax, making it highly attractive for retirees. NC taxes most retirement income at 4.5%. However, NC offers lower housing costs.
North Carolina averages 0.78% property tax vs Florida's 0.83%. Very similar. The bigger cost difference is homeowner's insurance—Florida's rates are much higher due to hurricane risk.