• Home
  • /
  • Blog
  • /
  • Moving to Florida: 14 Things You Need to Know Before You Hit the Beach 

Moving to Florida: 14 Things You Need to Know Before You Hit the Beach 

Stunning sunset view of a Florida beach, one of the pros of moving to Florida
July 18, 2018

(Updated December 30, 2024)

Imagine trading your snow shovel for a beach umbrella and saying goodbye to bulky winter coats. Not a bad prospect, eh? It’s no wonder moving to Florida is a dream for so many Americans.

In 2022 alone, a sizeable wave of new residents crashed onto the shores of the Sunshine State — 125,316 households, to be exact. And they didn’t come empty-handed. Transplants from New York, New Jersey, and Illinois brought some of the highest incomes in the nation, giving Florida an extra splash of economic momentum. Leading the charge, over 51,000 New Yorkers flowed south, doubling the influx from any other state.

All those new arrivals may be on to something. But like any big decision, relocating to Florida has its pros and cons. Before you decide to pack up and go, we’ll break it all down — things to know before moving, the best places to live in Florida, and a comprehensive Moving to Florida Checklist. 

Quick facts about Florida

  • Population: Approximately 22.61 million residents, making it the third most populous state in the U.S.

  • Climate: Florida’s climate is predominantly humid subtropical in the north and central regions, and tropical in the south, with mild winters and hot, humid summers.

  • Cost of Living: The average annual cost of living per person in Florida is around $50,689, which is higher than the national average. 

  • Average Rent: The average rent is $1,668, which is $80 less than the national average.

A “Welcome to Florida” sign greeting those who are moving to Florida

Moving to Florida: 14 Things You Should Know

Choosing to make a move — particularly a cross-country move — is a big decision. You need to consider a whole range of factors, from the local job market in your new home state to the climate and culture. 

We’ve put together a guide that covers the most important elements to consider — before you start packing. So read on to see if Florida could be the right choice for you.

1) There are pros and cons to living in Florida

Moving to Florida sounds like a dream for many, but no place is perfect. The Sunshine State has its fair share of perks, but living there also comes with some challenges.

Pros of living in Florida

  1. No state income tax: Keep more of what you earn. 

  1. Year-round sunshine: Winters that feel like spring? Yes, please. 

  1. Beach access everywhere: Whether you’re on the Gulf Coast or Atlantic side, you’re never far from the water. 

  1. Diverse lifestyle options: From fast-paced Miami to laid-back beach towns, Florida has something for everyone.

Cons of living in Florida

  1. Hurricane season: Storm prep is a way of life here. 

  1. Tourist overload: Popular destinations like Orlando and Miami can feel crowded.

  1. High insurance rates: Thanks to the risk of hurricanes and flooding.

  1. Wildlife encounters: How’d you like to share the waters with a gator? 

2) The cost of living in Florida is a moving target

The cost of living in Florida is a mixed bag. While it’s more affordable than states like New York and California, costs are climbing steadily, and often outpace the national average.

A big draw for many is the absence of a state income tax. Obviously, that’s a game-changer for your wallet. But the rising cost of housing, insurance, and other essentials is quickly narrowing the gap. 

For example, someone making $100,000 in New Jersey might only need $84,000 to maintain the same lifestyle in Florida. However, the influx of high-income earners from states like New York and California during the pandemic has driven up prices, especially for housing.

Cost of living in big Florida cities

Here’s how some of Florida’s major cities stack up against the national average:

  • Jacksonville: Roughly the same as the national average. One of Florida’s more affordable big cities.

  • Orlando: 4.2% above the national average. Popular for its proximity to theme parks and its growing tech sector.

  • Tampa: 1.3% above the national average. A favorite for its mix of beaches and urban amenities.

  • Fort Lauderdale: 14.6% above the national average. Sunny and chic, but it comes at a price.

  • Miami: 15.4% above the national average. Glamorous living means a higher price tag.

How much money should I have to move to Florida?

To move comfortably, you’ll need enough to cover initial expenses like housing deposits, utility setup fees, and moving costs. Here’s a general breakdown:

  • For a more affordable city like Jacksonville, with costs close to the national average, aim to save at least $5,000 to $8,000 to cover your initial expenses and the first few months of living.

  • In pricey Miami, given the higher cost of living, consider saving closer to $10,000 to $15,000, especially if you’re renting or setting up a household.

Once you’re settled, your monthly expenses will vary based on the city. For example, a salary of around $60,000 in Jacksonville could provide a comfortable quality of life. In Miami or Fort Lauderdale, you might need $85,000 or more to maintain the same standard due to higher housing and transportation costs.

3) You won’t pay income tax in Florida, but it’s not all sunshine

Florida's tax landscape can be misleading. You won’t pay state income tax — and that’s a major draw for new residents — but the Tax Man will get you in other ways.

  • State income tax: Florida doesn’t impose a state income tax, allowing residents to keep more of their earnings. In contrast, states like California have progressive income tax rates ranging from 1% to 13.3%, and New York's rates span from 4% to 10.9%. 

  • Sales tax: Florida has a state sales tax rate of 6%, with local surtaxes that can bring the total to an average of 7%. California's combined rate averages 7.25%, while New York's is about 8.87%. 

  • Property tax: Florida's average property tax rate is approximately 0.80% of a home's assessed value. In comparison, California's average is around 0.71%, and New York's is about 1.4%. 

4) Florida’s insurance rates can be tricky

High insurance rates happen when you live in a state prone to hurricanes and floods. And that’s definitely the case in Florida.

Homeowners insurance in Florida is among the most expensive in the country, and costs have been rising quickly. Between 2021 and 2023, home insurance rates in the state skyrocketed by 19.8%, leaving Florida homeowners with an average annual premium of $10,996. That’s more than four times the national average of $2,377! 

And that homeowners insurance doesn’t even include flood insurance, so make sure to factor that into your calculations too if you’re buying a home in a flood zone. For that, you’re looking at $760 a year on average, depending on factors like location, structure, etc.

Auto insurance isn’t much better. Drivers in Florida pay an average of $3,892 per year for full coverage, which is 66% higher than the national average. Additionally, health insurance is another expensive variable to consider. Florida has some of the highest premiums in the country at around $600 per month.

A blue lifeguard hut on Sarasota's white sand beach—a must-visit gem for anyone moving to Florida.

5) The beaches in Florida really are that great

Florida’s beaches are — genuinely — some of the best in the world. With its famous powdery white sand, Siesta Beach in Sarasota consistently ranks near the top, most recently taking the #2 spot in Tripadvisor’s 2023 “Best Beaches in the U.S.” list. Meanwhile, St. George Island State Park, known for its untouched beauty and quiet charm, was crowned the nation’s best beach for 2023 by Dr. Beach.

Miami Beach brings a way different vibe, winning “World’s Leading Lifestyle Destination” in 2023 for its iconic blend of glamour and natural beauty. (Spring break!) And for those who love a laid-back, artsy feel, Santa Rosa Beach on Florida’s Emerald Coast offers sugar-white sand, emerald waters, and a vibrant local culture. 

6) Living in Florida means embracing the tourist season

Florida's allure as a top vacation destination brings both economic benefits and challenges for residents. In 2023 alone, the state welcomed approximately 135 million visitors — a slight dip from the previous year but still a substantial influx.

So, if you live in Florida, you’re going to have to get used to visitors — and the traffic they bring — especially in the following areas:

  • Orlando: This city is home to world-renowned theme parks such as Walt Disney World, Universal Studios, and SeaWorld.

  • Key West: This island city is famous for its historic sites, lively Duval Street, and absolutely stunning sunsets. 

  • Clearwater: Celebrated for its beaches and the Clearwater Marine Aquarium, this city experiences peak tourist activity during spring break and summer months.

  • Cocoa Beach: Surf’s up at Cocoa Beach, where visitors can catch some great waves and may even catch a rocket lift off at the Kennedy Space Center.

Vibrant Colombian restaurant in Little Havana, a cultural treasure for those living in Florida

7) Florida’s vibrant culture offers a whole world within a state

Florida’s culture is as diverse as its residents, with each region offering something unique. In Miami, the Cuban influence is unmistakable. When you walk through Little Havana, it’s like stepping into another world — the sound of salsa music, the aroma of cafecitos, and truly authentic dishes like ropa vieja on every corner. Or make your way south to Key West and you’ll find yourself inside a real-life postcard, sipping mojitos and watching the sunset over the ocean.

But Florida’s culture isn't just beach bums and cigars. Tarpon Springs, a hidden gem on the Gulf Coast, boasts Greek heritage with sponge harvesting docks, authentic baklava, and a community that feels like a slice of the Mediterranean. Meanwhile, the state’s music scene offers everything from Latin beats in Miami to country ballads in the Panhandle (Florida might be its own world — but it’s still the South! RIP Tom Petty, who knew this well.)

8) Florida theme parks are more than just Disney magic

Sure, Disney World gets all the hype, but Florida's theme park scene is way more diverse than just Mickey and Friends. Universal Orlando offers adrenaline-pumping rides plus the Wizarding World of Harry Potter, where you can sip butterbeer and cast spells. 

SeaWorld Orlando combines both worlds if you're into marine life and roller coasters. Then there's Busch Gardens in Tampa, which mixes thrill rides with a safari experience (you might spot a giraffe while you're upside down on a coaster). Legoland Florida Resort is great for younger kids, featuring interactive, family-friendly attractions built around those famous bricks.

Many of these parks host special events throughout the year. Universal's Halloween Horror Nights is a must for horror fans, and Disney rolls out the festive spirit with Mickey's Very Merry Christmas Party. It's common for Florida residents to snag annual passes to the state’s various parks, which is way more economical if you plan to visit multiple times. 

For example, a one-day ticket to Universal can cost $174, but an annual pass might set you back around $425, depending on your level. Some parks offer some can’t-miss deals for Florida residents, too. Busch Gardens, for instance, lets you upgrade your day ticket to an annual pass for free. So, it might be worth waiting until you have that Florida driver's license to take advantage of special rates.

9) Florida’s climate is sunshine with a side of variety

Florida’s climate offers plenty of warmth, but it varies depending on exactly where you are. Summers are hot and humid across the state, with temperatures often at or above 90°F. Winters, however, tell a different story. In North Florida, you’ll experience occasional frosts and temperatures dipping into the 40°Fs, while South Florida enjoys balmy winters with highs in the mid-70°Fs.

The Gulf Coast has slightly warmer waters than the Atlantic, making it a favorite for beachgoers (but not surfers). Meanwhile, the Atlantic Coast and South Florida benefit from the Gulf Stream, which keeps winters mild but brings more humidity. Rainfall is common throughout the state, especially during the summer, when storms roll in every day like clockwork. 

10) Living in Florida means living with extreme weather

Hurricanes and storm surges are part of life in Florida, especially in coastal areas like Miami-Dade County and the Gulf Coast. Homes in flood zones are at the highest risk, so avoiding these areas can save you significant trouble and insurance costs. For maximum safety, opt for concrete block homes, which stand up better to hurricane winds than wood-frame structures.

In high-velocity hurricane zones, like Miami-Dade and Broward counties, hurricane-rated doors and windows have been mandatory since 2002. Outside these zones, adding impact-resistant features is up to the homeowner, but doing so offers solid protection and potential insurance savings. When planning a move to Florida, prioritize creating a storm-ready home. It’s worth every penny. Seriously.

Florida's housing market remains competitive, but signs of stabilization offer hope for those moving to Florida

11) Florida’s housing market is tough, but it may be stabilizing

Housing in America isn’t easy these days, and Florida is no exception to the rule. As of October 31, 2024, the average home value in Florida is $392,176, reflecting a 0.1% increase from the previous year.

This slight uptick suggests a market stabilization following significant price surges during the pandemic. The influx of new residents from states like California and New York increased demand and elevated prices. However, recent data indicates a cooling trend, with median list prices increasing at an incremental amount year-over-year in several major Florida cities.

Florida City

Average Home Value

Year-Over-Year

Jacksonville

$294,224

-0.2%

Orlando

$379,154

+2.2%

Tampa

$375,010

+1.0%

Miami

$583,030

+6.4%

But what about the future? Zillow forecasts a 2.6% increase in home values nationwide for 2025, suggesting a potential for modest appreciation in Florida's housing market. But there are no guarantees. Prospective buyers should keep an eye on local market conditions, as regional variations can significantly impact property values. 

Florida's housing market presents a mixed landscape, with some areas experiencing growth and others facing declines. Stay informed to stay ahead in the Sunshine State.

12) The Florida rental market is all over the place

Florida's rental market has seen significant shifts, with certain cities experiencing notably high rents. Factors contributing to these elevated rental prices include a surge of new residents from high-cost-of-living states, increased demand for housing, and limited supply in desirable areas.

Here's a comparison of average rents in major Florida cities and their year-over-year changes:

Florida City

Average Rent

Year-Over-Year

Jacksonville

$1,489

-0.2%

Orlando

$1,895

+2.2%

Tampa

$1,911

+1.0%

Miami

$2,645

+6.4%

Data via RentCafe

For those seeking the best places to live in Florida, consider both the cost of living and the amenities each city offers. While cities like Miami and Tampa provide vibrant cultural scenes, they also come with higher rental costs. Conversely, Jacksonville and Orlando offer more affordable options with their own unique attractions.

13) The Florida job market remains solid

Florida’s job market is in good shape, with an unemployment rate of 3.3% as of October 2024 — slightly below the national average. Key industries driving the economy include healthcare, which benefits from the state’s aging population, professional and business services, and the ever-dominant leisure and hospitality sector tied to Florida’s tourism appeal. 

Despite the active market, the average annual salary in Florida sits at $55,410, which is lower than the national average of $63,795. This disparity is partly offset by the lack of a state income tax and Florida’s historically lower cost of living, though rising housing and insurance costs are shrinking that gap.

With over 513,000 job openings reported mid-year, opportunities abound across the state, but wages can vary significantly depending on the industry and location. Salaries tend to lag behind high-cost states like California and New York, especially in high-demand fields, but the trade-offs often appeal to those seeking a better balance of affordability and quality of life with more Vitamin D.

14) There’s a local path to higher education in Florida

Ready to be a Gator? Florida offers a variety of higher education institutions, including prominent public universities and esteemed private colleges. Notable public universities include the University of Florida, Florida State University, and the University of Central Florida. Private institutions such as the University of Miami and Rollins College further enrich the state's academic landscape. And as a bonus, they’re all pretty good at football, if you’re into that kind of thing.

For those considering relocating to Florida for educational purposes, establishing residency leads to significant tuition savings. Florida residents benefit from substantially lower tuition rates compared to non-residents. To qualify, students must reside in Florida for at least 12 consecutive months prior to the term's start and provide appropriate documentation. For those who take advantage, this residency status makes higher education more accessible and affordable for newer residents.

Entrance to Timucuan Preserve in Jacksonville—a stunning spot for nature enthusiasts moving to Florida

Best Places to Live in Florida

Is Florida a good place to move? It depends on your wants and needs, because there are many different versions of Florida. Here are some of the best places to live in the Sunshine State:

Jacksonville

Jacksonville, the largest city by area in the state, offers a mix of urban living and natural escapes. With over 80,000 acres of parks, including the Timucuan Preserve, and beaches like Jacksonville Beach, outdoor activities are abundant. 

The city’s Riverside Arts Market and vibrant food scene add cultural flair, while its affordable housing and growing job market in healthcare and logistics make it a top choice for families and professionals alike. Plus, its convenient location near I-95 also makes it a gateway to exploring the Southeast.

Orlando

Believe it or not, Orlando ain’t all about the mouse. While Walt Disney World and Universal Studios draw millions of visitors, locals enjoy neighborhoods like Winter Park, known for its charming brick streets and boutique shopping. 

The city has a growing tech industry and a vibrant food scene, with hotspots like East End Market showcasing local chefs and artisans. Want to go enjoy that sunshine? Outdoor enthusiasts can explore nearby Wekiwa Springs or paddleboard on Lake Eola in the middle of town.

Tampa

Tampa, perched along Florida’s Gulf Coast, is a vibrant city blending metropolitan energy with coastal charm. The downtown area boasts the Riverwalk, a scenic pathway connecting cultural hubs like the Tampa Museum of Art and Armature Works, a foodie favorite. 

Sports fan? Residents enjoy pro sports with teams like the Tampa Bay Buccaneers (get yourself a Baker Mayfield jersey), while outdoor lovers flock to nearby beaches like Clearwater and St. Pete. There’s serious history and culture in Tampa, too. Head to Ybor City and experience Cuban food, cigars, and nightlife. It’s one of the most unique parts of the Tampa Bay area.

Miami and West Palm Beach

Miami and West Palm Beach offer two distinct yet complementary South Florida lifestyles. Miami is a bustling metropolis with eclectic Cuban influences, world-famous nightlife, and iconic beaches like South Beach. Its neighborhoods, from Little Havana to Brickell, showcase a mix of culture, cuisine, and career opportunities in finance and tourism. 

West Palm Beach, just an hour north, provides a quieter, upscale vibe with a focus on arts and outdoor living. Residents enjoy the Norton Museum of Art, the boutiques of Worth Avenue, and pristine beaches. 

Fort Lauderdale

Fort Lauderdale, often called the “Venice of America,” is known for its extensive canal system, beautiful beaches, and laid-back atmosphere. The city offers a more relaxed alternative to Miami while still providing bustling nightlife, excellent dining, and cultural attractions like the Broward Center for the Performing Arts

Las Olas Boulevard is a hotspot for shopping and dining, while nearby Fort Lauderdale Beach is perfect for sunbathing or water sports. If you’re looking to strike a balance between coastal charm and urban convenience, this might be the Florida city for you. 

Moving to Florida Checklist

What do you need to do if you move to Florida? Well, relocating to the Sunshine State involves more than just packing up and heading south. Here’s what you should know:

Get a Florida driver’s license and register your vehicle

New residents have 30 days to change their driver’s license after establishing residency. Vehicle registration renewals in Florida align with your birth month, and 2-year registrations are an option for added convenience. Visit the Florida DMV website for details.

Register to vote in Florida

Your voice deserves to be heard in local and national elections. Florida makes it easy to register online or at your local DMV. Learn how to register.

Find a hurricane-ready home

Choose a house made of sturdy materials, like concrete blocks, and avoid properties in high-risk flood zones. Look for hurricane-rated windows, doors, and garage doors to protect your investment. Check FEMA’s flood map to assess your property’s risk.

Prepare for the Florida climate

Stock up on lightweight, breathable summer clothing. With the state’s year-round warmth, your wardrobe will quickly become shorts and sandals–focused. Drink in that sun!

Plan for hurricane season

Once you assemble a hurricane kit with essentials like bottled water, non-perishable food, and a battery-powered radio. Familiarize yourself with local evacuation routes and shelters. Ready.gov is an excellent resource for preparedness tips.

Ready to Move to Florida?

Florida offers warm weather, diverse cities, and unique opportunities — but it’s not without its challenges. If sunny beaches, no state income tax, and vibrant communities outweigh hurricane prep and rising costs, then the Sunshine State might be the perfect place for you.

Wondering how to make your move to Florida stress-free? Colonial Van Lines can help. With over 50 years of experience, we make long-distance moves as simple as possible. From expert packing services to safe, efficient transport, we’ll ensure your belongings arrive at your new home seamlessly. Get started today with a free quote.

Related

Moving in Winter: How to Prepare