Compare taxes and see how much you save moving from Pennsylvania to Florida
The retiree exodus. Pennsylvania's 3.07% flat rate eliminated by Florida's 0% income tax. At $100,000 income: PA $3,070 vs Florida $0—FL saves $3,070/year. Over 10 years: $30,700. Property tax: PA 1.5% vs FL 0.86% (on $400K home: save $2,560/year). Total at $100K + $400K home: Florida saves $5,630 annually. For retirees, advantage is even greater: Florida exempts ALL retirement income (Social Security, pensions, 401k), while PA taxes private pensions at 3.07%. This drives massive migration—28,892 Pennsylvanians moved to FL in 2021-2022. Trade-off: Florida's hurricane risk and brutal summer heat vs Pennsylvania's cold winters.
Flat Tax
Flat 3.07% + Philly 3.79%
No Income Tax
Zero income tax since 1855
At $100,000 income:
That is FL saves $469/month total back in your pocket!
| Income | PA Tax | FL Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $1,535 | $0 | FL saves $1,535 | $15,350 |
| $75,000 | $2,303 | $0 | FL saves $2,303 | $23,030 |
| $100,000 | $3,070 | $0 | FL saves $3,070 | $30,700 |
| $150,000 | $4,605 | $0 | FL saves $4,605 | $46,050 |
| $250,000 | $7,675 | $0 | FL saves $7,675 | $76,750 |
| $500,000 | $15,350 | $0 | FL saves $15,350 | $153,500 |
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Moving from Pennsylvania 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 →Income tax at $100K: FL saves $3,070/year (PA $3,070 → FL $0). Property tax: PA 1.5% vs FL 0.86%. On $400K home: PA pays $6,000/year vs FL $3,440—FL saves $2,560/year. Total at $100K + $400K home: FL saves $5,630 annually ($56,300 over 10 years). Add no tax on retirement income (Social Security, pensions 100% exempt in FL vs taxed in PA unless Social Security/military pension) = massive advantage for retirees. Sales tax: PA 6% vs FL 6-8.5% (slightly higher, offsets ~$200/year).
Overwhelmingly yes. PA: 3.07% tax on private pensions/401k (Social Security exempt). FL: 0% tax on ALL retirement income. At $80K retirement (half Social Security, half pension/401k): PA taxes $1,228 (3.07% on $40K pension) vs FL $0—FL saves $1,228/year. Add property tax savings ($2,560/year on $400K home), homestead exemption (up to $50K off assessed value in FL), no estate/inheritance tax in FL (PA has 4.5-15% inheritance tax). Total retiree advantage: FL saves $4,000+/year. This drives massive PA→FL migration (28,892 moved in 2021-2022).
Florida: Hurricane risk June-Nov (insurance $4K-8K/year, rising), 90°F+ summers with 80% humidity, AC runs 24/7 ($200-350/month electric). Pennsylvania: brutal winters (avg Jan 24°F, heavy snow Nov-March, heating oil/gas $200-400/month). Trade-offs: FL hurricane risk vs PA winter certainty. Many retirees prefer FL predictable heat (AC always works) vs PA unpredictable snow/ice (dangerous for elderly). Snowbirds do both: PA May-Oct, FL Nov-Apr. Choose based on temperature preference and hurricane tolerance.
Philadelphia trap: PA 3.07% state + Philly 3.79% city = 6.86% total. At $100K: Philly resident pays $6,860 vs Miami/Tampa $0—FL saves $6,860/year income tax. Property tax: Philly 1.3998% ($5,599 on $400K) vs Miami-Dade 0.95% ($3,800), Tampa 0.8% ($3,200). Total tax burden at $100K + $400K home: Philly $12,459 vs Miami $3,800 vs Tampa $3,200. FL saves $8,659-$9,259/year. Philly offers public transit, walkability, culture; Miami/Tampa require cars but slash taxes. Remote workers: keep Philly salary, move to FL, pocket savings.
Yes—optimal strategy. Establish genuine Florida residency (FL driver's license, spend 183+ days in FL, file Declaration of Domicile with county clerk), pay Florida taxes (0%), not Pennsylvania (3.07%). At $100K: save $3,070/year. Add property tax savings: FL $3,440 (0.86% × $400K) vs PA $6,000 (1.5%)—save $2,560/year. Total remote work advantage: $5,630/year at $100K + $400K home. Many PA remote workers (especially healthcare, tech, education) move to FL, keep PA salaries, pay 0% tax. Watch: PA may challenge residency if you maintain strong PA ties (home, bank accounts)—establish clear FL domicile.