Moving From Georgia to Florida

A Georgia household earning $350,000 keeps roughly $17,465 more every year in Florida, the full amount of Georgia's flat income tax, with property and sales taxes that stay broadly similar. Here is exactly what changes, and where Georgia buyers are moving in Central Florida.

What Changes When You Move From Georgia to Florida

When you make Florida your home, your Georgia income tax, a flat rate of about 4.99%, goes to zero. Florida and Georgia both skip estate and inheritance taxes, so the clear win is income tax: a Georgia household keeps the full flat rate it used to pay. Property and sales taxes are broadly similar between the two states, and Florida adds the Homestead Exemption and the Save Our Homes 3% cap. Georgia is consistently one of the top states relocating to Florida. Below, compare the numbers, calculate your own savings, see where Georgia buyers are landing in Central Florida, and learn exactly how to establish Florida residency.

Your State Income Tax Savings

How much does a physician save moving from Georgia to Florida? On a $500,000 salary, about $25,000 a year, since Georgia takes roughly 5% of income at that level while Florida takes none. Over ten years that is close to $250,000 kept. Use the calculator below for your exact income.

Central Florida Market Snapshot

Live single-family figures for the ten Central Florida markets Sean and Barb serve. Use the tabs to compare a market against what you are leaving behind in Georgia. The numbers refresh every month from Stellar MLS.

Central Florida Housing Stats

Median sold price, price per square foot, market pace, and months of supply for the 10 Central Florida markets we serve, updated monthly from Stellar MLS closed sales. Data through August 2026.

Orlando Single Family Housing StatsAugust 2026 Stats

Choose a market

Median Sold Price, August 2026

$425,000

Jun-Aug Avg-

vs Jun-Aug 2025-

Median Price Per Sq Ft

Closed in August

Median Days on Market

List Price vs. Sold Price %

Half of August sales closed at or above this share of the final asking price

Months of Supply

Active Listing Inventory vs Homes ClosedNov 2025 to Aug 2026

This Month's Listing ActivityAugust 2026

New Listings

Competition that arrived this month

Pending

Under contract now, closing in 30 to 45 days

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Source: Stellar MLS InfoSparks, single-family homes, August 2026. Based on information from the Stellar Multiple Listing Service. This information may or may not include all listed expired, withdrawn, pending or sold properties of one or more members of the Stellar Multiple Listing Service.

August 2026 median sold prices across our ten Central Florida markets, single-family homes: Orlando $425,000 (574 closed, 26 days on market, 98.7% of last list price); Winter Garden $670,066 (131 closed, 22 days on market, 98.5% of last list price); Windermere $960,000 (43 closed, 75 days on market, 95.3% of last list price); Dr. Phillips $962,000 (13 closed, 56 days on market, 96.2% of last list price); Lake Nona $832,250 (26 closed, 69 days on market, 98.8% of last list price); Winter Park $624,900 (63 closed, 16 days on market, 98.2% of last list price); Maitland $620,000 (22 closed, 19 days on market, 98.4% of last list price); Longwood $569,250 (44 closed, 12 days on market, 99.1% of last list price); Lake Mary $650,000 (37 closed, 20 days on market, 97.8% of last list price); Oviedo $581,500 (64 closed, 21 days on market, 98.8% of last list price). Source: Stellar MLS InfoSparks.

Where Georgia Buyers Buy in Central Florida

Georgia buyers tend to want walkability, water, top schools, or new construction. These are the six markets they choose most often. Tap any one to explore current luxury listings.

Winter Park

$900K - $5M+

The most walkable, urbane address in Orlando: Park Avenue walkability, the Chain of Lakes, museums, and A-rated schools.

Lake Nona

$700K - $4M

New construction, fiber internet, a 15-minute-city design, Medical City, and 15 minutes to the airport for commuters.

Windermere

$1.2M - $25M+

Butler Chain lakefront and gated Isleworth and Keene's Pointe for buyers who want privacy, water, and prestige.

Dr. Phillips

$800K - $8M+

Restaurant Row dining, guard-gated communities, and central access; Orlando's most established luxury ZIP code.

Lake Mary

$650K - $2.5M

Top Seminole County schools, gated Heathrow Country Club, lower property taxes, and a corporate commuter base.

Winter Garden

$700K - $2.5M

Horizon West new construction, the West Orange Trail, and strong value per square foot near Disney.

How to Establish Florida Residency From Georgia

Ending Georgia income tax is not automatic; you have to change your domicile and document it. Because high-tax states can review a departing resident, a clean break matters. Here are the six steps:

Spend more than 183 days a year in Florida

Make Florida your primary home and keep simple records (a calendar, travel, card and phone data) showing where you actually spend your time.

File a Declaration of Domicile

Record a Declaration of Domicile with your Florida county clerk of court to formally state Florida is your permanent home.

Get a Florida driver license and register your vehicles

Obtain a Florida license, register your cars in Florida, and surrender your Georgia license.

Register to vote in Florida

Move your financial and personal life

Update the IRS, banks, brokerages, employer, and estate documents to your Florida address, and shift doctors, memberships, and primary accounts here.

File a final Georgia return and sever ties

File your last Georgia resident or part-year return and, ideally, sell or lease the Georgia home. Keep your documentation organized in case of a residency review.

This is general information, not legal or tax advice. Work with a Florida CPA and, for higher incomes, a residency attorney; Sean & Barb can introduce you to trusted professionals.

Your Questions, Answered

How much money do you save moving from Georgia to Florida?

Florida has no state income tax, so the savings equal the Georgia tax you stop paying. A household with $350,000 of taxable income saves roughly $17,465 a year. Georgia and Florida both skip estate and inheritance taxes, so the clear win is income tax, with property and sales taxes staying broadly similar. Use the calculator above to see your exact number, then call (407) 383-0707.

Does Florida have a state income tax?

No. Florida has no state income tax, no tax on capital gains, no estate tax, and no inheritance tax. Wages, bonuses, investment income, pensions, and retirement withdrawals are all free of state income tax once you are a Florida resident. Georgia, by contrast, taxes income at a flat rate of about 4.99%.

How do Georgia and Central Florida property taxes compare?

Georgia property taxes (~0.9%) and Central Florida's (~1.0% to 1.2%) are similar, but Florida adds the Homestead Exemption and the Save Our Homes 3% cap, and has no state income tax on top.

How do I establish Florida residency and domicile after moving from Georgia?

Make Florida your primary home and document it: spend more than 183 days a year in Florida, file a Declaration of Domicile with your county clerk, get a Florida driver license, register your vehicles and to vote in Florida, and move your bank, doctors, estate documents, and memberships to your Florida address. Then file a final or part-year Georgia return. This is general information, not legal or tax advice; confirm your plan with a CPA or attorney.

How many days do I have to live in Florida to avoid Georgia income tax?

The practical target is to spend more than 183 days a year in Florida and make Florida your true domicile, then keep records (travel logs, card and phone data, a Declaration of Domicile). Day counting alone is not enough; what matters is where your primary home and life are centered. Once Florida is genuinely your domicile, Georgia no longer taxes your income.

Will Georgia tax me after I move to Florida?

Once you establish Florida as your domicile and are no longer a Georgia resident, Georgia does not tax your income. A clean break helps: a Declaration of Domicile, Florida licenses, time records, and selling or leasing the Georgia home. Income actually earned from Georgia sources can still be taxable, so confirm specifics with a CPA.

Where do most Georgia residents move in the Orlando area?

Georgia buyers gravitate to Winter Park (Park Avenue walkability and the Chain of Lakes), Lake Nona (new construction and a master-planned, 15-minute-city feel), Windermere (Butler Chain lakefront and Isleworth), Dr. Phillips (Restaurant Row and gated luxury), Lake Mary (top Seminole County schools and gated Heathrow), and Winter Garden and Horizon West (newer luxury at strong value). Sean and Barb cover all ten Central Florida luxury markets and match the neighborhood to your commute, schools, and lifestyle.

How much more home can I buy in Central Florida than in Georgia?

More space and newer construction for the money. Luxury homes in Winter Park, Windermere, Dr. Phillips, and Lake Nona typically run $800,000 to $3M, with lakefront estates above that, and many Georgia buyers trade up in size while eliminating state income tax.

Does Florida tax retirement income, Social Security, or pensions?

No. Florida does not tax Social Security, pensions, IRA or 401(k) withdrawals, or any retirement income at the state level, because it has no state income tax at all. Georgia offers a large retirement income exclusion at 62 and older, but working-age income is taxed at the flat rate; Florida taxes no income at any age. For retirees, the Florida difference compounds every year.

Is it cheaper to live in Central Florida than in Georgia?

It is close on housing and sales tax, and Florida wins decisively on income tax. Property taxes are similar, and Florida adds Homestead and Save Our Homes protections. Sean and Barb can compare your specific numbers.

What property tax breaks do Florida homeowners get?

Once a Florida home is your primary residence you can file for the Homestead Exemption, which removes $50,000 from the assessed value, and the Save Our Homes cap, which limits annual assessment increases to 3% no matter how fast the market rises. Accumulated Save Our Homes savings are also portable to your next Florida homestead.

Can Sean and Barb help me buy a home in Central Florida remotely from Georgia?

Yes. Sean and Barb regularly guide Georgia buyers through the entire purchase before they ever set foot in Florida, with live video home tours, neighborhood drive-throughs, market data, lender introductions, and fully remote closing coordination. Many clients tour by video, go under contract, and only arrive for the final walkthrough and keys.

Do I need to sell my Georgia home before buying in Florida?

Not necessarily. Many Georgia buyers purchase in Florida first (using a bridge loan, portfolio loan, or cash) and sell afterward, while others sequence the sale first for certainty. Sean and Barb coordinate the timing and connect you with lenders who handle both ends.

With 60+ combined years in Central Florida, Sean & Barb work with luxury buyers and sellers, physicians relocating to the region, and the attorneys who refer estate and divorce property.

Sean Spencer

Licensed Locally 20+ Years

I've had the honor of working with physicians and executives relocating to Central Florida, helping them land quickly and confidently in communities that fit their lives. Honesty, discretion, and a genuine investment in your outcome - every time.

Barb Vance

Licensed Locally 40+ Years

With four decades of relationships across Central Florida's luxury communities, Barbara brings a depth of local knowledge that simply cannot be replicated. Her clients trust her not just for her expertise, but for her unwavering integrity.

Thinking About the Move From Georgia?

Tell us your timeline and what you are looking for. We will send homes that fit and walk you through the residency side, with no pressure and no obligation.

Thank you. Sean or Barb will be in touch shortly.