Texas vs Florida
A side-by-side comparison of Texas and Florida — taxes, housing, income, and cost of living — with a salary-equivalence calculator for anyone considering the move.
Take-home pay on $100,000
Texas
$79,180/yr take-home
$6,598/mo · 20.8% effective tax
- Federal tax
- $13,170
- State tax (None)
- $0
- FICA
- $7,650
Florida
$79,180/yr take-home
$6,598/mo · 20.8% effective tax
- Federal tax
- $13,170
- State tax (None)
- $0
- FICA
- $7,650
The numbers
Monthly cost of living · renting
Salary equivalence
$100,000 in Texas buys the same lifestyle as $107,397 in Florida
For a household of 1 adult, renting. Florida's cost of living is 106.6% of Texas's, and the figure accounts for both states' income taxes. Home price is an asset; this compares monthly living cost. An estimate, not financial advice.
Texas vs Florida: what the numbers say
Thinking about moving from Texas to Florida? Here's how the two states line up on the numbers that shape your budget. On state income tax, Texas is None and Florida is None.
Housing is usually the biggest factor. A typical home costs $302,550 in Texas versus $377,578 in Florida — Texas is cheaper by about $75,029. Overall cost of living runs $3,591 a month in Texas and $3,827 in Florida for a single adult, and the typical household earns $79,721 versus $77,735.
Because prices differ, the same paycheck stretches differently: Florida's cost of living is about 106.6% of Texas's. Use the calculator above to see exactly what your Texas salary would need to be in Florida to keep the same lifestyle, taxes included.
Income matters too, not just costs. The typical household earns $79,721 in Texas versus $77,735 in Florida, so a state that looks pricier on paper can still come out ahead if local pay is higher. That's why the salary-equivalence figure — which folds in both taxes and cost of living — is a better guide for a move than any single cost-of-living index on its own.
Frequently asked questions
- Is it cheaper to live in Texas or Florida?
- Texas has the lower typical monthly cost of living for a single adult. The table above breaks down housing, taxes, and more, and the calculator shows the salary equivalence between the two.
- What salary do I need in Florida to match Texas?
- It depends on your current salary and filing status. Enter them in the calculator above to see the Florida salary that preserves your Texas purchasing power after taxes and cost-of-living differences.
Explore further
Dig into either state on its own, or compare a different pair.
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