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HEAD-TO-HEAD TAX COMPARISON · 2026

COUNTRY A Texas VS COUNTRY B Florida

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

Daniel · CountryTaxCalc Updated March 2026 Tax Comparison 2026
Calculate your take-home → See all comparisons →
OVERVIEW
Both Texas and Florida have 0% state income tax, but their property taxes differ dramatically. Texas averages 1.60% while Florida averages just 0.73%. On a $500,000 home, you'd pay $8,000/year in Texas versus $3,650 in Florida—saving $4,350 annually. Florida's Save Our Homes amendment caps annual as…
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
Texas
TAX RATE
1.60%
7th Highest
High rates offset no income tax
🌴
COUNTRY B
Florida
TAX RATE
0.73%
Below Average
Homestead exemption + Save Our Homes cap
TYPICAL ANNUAL DIFFERENCE
Moving from Florida → Texas at $500,000 home
$4,350
Florida saves on property tax
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
🤠 TX TAX
🌴 FL TAX
SAVINGS
10-YEAR
$300,000 home
$4,800
$2,190
$2,610
$26,100
$400,000 home
$6,400
$2,920
$3,480
$34,800
$500,000 home
$8,000
$3,650
$4,350
$43,500
$750,000 home
$12,000
$5,475
$6,525
$65,250
$1,000,000 home
$16,000
$7,300
$8,700
$87,000
$1,500,000 home
$24,000
$10,950
$13,050
$130,500
💡

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🤠

Texas Pros & Cons

+ PROS
  • No state income tax
  • $100,000 homestead exemption (school taxes)
  • Strong job market (tech, energy)
  • No cap on property value growth
− CONS
  • High property tax (1.60%)
  • No cap on assessment increases
  • MUD taxes in new developments
  • Rising insurance costs
🌴

Florida Pros & Cons

+ PROS
  • No state income tax
  • Lower property tax (0.73%)
  • Save Our Homes 3% cap
  • $50,000 homestead exemption
− CONS
  • High property insurance
  • Hurricane risk
  • New buyers pay market rate
  • Portability rules are complex
FAQ

Frequently Asked Questions

Both states have no income tax—which is cheaper overall?

Florida is generally cheaper for homeowners due to lower property taxes. A $500K home costs $4,350/year less in Florida. Texas has lower sales tax (6.85% vs 6%) and sometimes lower home prices, but property tax differences usually outweigh these factors for homeowners.

What is Florida's Save Our Homes amendment?

Save Our Homes (1995) caps annual increases in assessed value at 3% or CPI, whichever is lower, for homesteaded properties. After years of ownership, your assessed value can be far below market value. When you sell, the new buyer pays taxes on current market value. You can transfer some savings when moving within Florida (portability).

Does Texas have any property tax caps?

Texas has no cap on how much your assessed value can increase. However, you can protest your appraisal annually. Texas does offer a $100,000 homestead exemption for school district taxes, plus seniors can freeze their school tax amount. Some cities offer additional homestead exemptions.

Which state is better for retirees?

Florida edges ahead for retirees. Both have no income tax on retirement income. But Florida's lower property taxes, Save Our Homes protections for long-term owners, and additional senior exemptions make it more affordable. Florida also has no estate tax. Texas property taxes can increase significantly over time.
From the brief
PT38.4%−9.6 vs. headline
CY17.8%incl. 60-day rule
AE 0.0%substance required
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