New York → Florida

Moving from New York to Florida:
The real cost-of-living math.

Real data on moving from New York to Florida — home prices in Miami and Tampa, the income tax difference, and how to find the right Florida neighborhood for your budget.

About 71,476 people moved from New York to Florida in 2022–23, per IRS data. Most went to Miami, Orlando and Tampa, which took 56% of those households. A New York median home ($794,224) compares with medians of $918,457 in Miami, $549,848 in Orlando, $526,660 in Tampa.

Data verified October 11, 2026. Reviewed by Chris Harris, REALTOR® (Real Broker, LLC). Chris connects movers with licensed agents in their destination market.

New York to Florida is one of the most common US relocation paths, driven by Florida's 0% income tax (vs New York's top rate of 10.9%), warm climate, and no estate tax. The math is compelling for high earners. The key decision is which Florida city — Miami's home prices have risen dramatically and now rival New York in some neighborhoods, while Tampa remains significantly more affordable with a strong job market.

Where New York movers go in Florida

71,476
People (43,187 households), New York to Florida, 2022–23
32,133
People who moved Florida to New York
#2
Florida’s rank among destination states for New York movers
Destination metroHouseholdsPeople
Miami-Fort Lauderdale-West Palm Beach, FL13,44920,960
Orlando-Kissimmee-Sanford, FL5,3889,506
Tampa-St. Petersburg-Clearwater, FL5,2848,728
North Port-Bradenton-Sarasota, FL1,7702,975
Jacksonville, FL1,4862,710
Cape Coral-Fort Myers, FL1,3272,174

The metros below are the ones that receive the most New York movers and have enough neighborhood sales data to price. Each section compares them with New York, New York’s largest metro and its biggest source of movers. Other destinations in the data: North Port-Bradenton-Sarasota, FL (1,770 households); Jacksonville, FL (1,486 households); Cape Coral-Fort Myers, FL (1,327 households). We do not have enough neighborhood sales data there to price them yet.

Source: IRS SOI U.S. Population Migration Data, 2022–2023; state total from state-to-state outflows, metros from county-to-county outflows (pairs under 20 returns suppressed, so metro figures are a floor).

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Tell us who you are and Chris Harris will connect you with a licensed local agent who knows the neighborhoods above. Free, no obligation.

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Miami, FL: about 20,960 people from New York

The IRS counts 13,449 households (20,960 people) moving from New York into the Miami-Fort Lauderdale-West Palm Beach, FL metro in 2022–23, 31% of everyone who left New York for Florida. The full city-to-city guide is New York to Miami.

What a New York budget buys in Miami

$794,224
New York, NY median home price
$918,457
Miami, FL median home price
14 of 25
Miami neighborhoods at or under the New York median

The Miami median ($918,457) is $124,233 above the New York median ($794,224), so the same budget buys less. Spend the full $794,224 instead and 14 of the 25 Miami neighborhoods we track with at least 5 recent sales have a median at or below it. The closest to that budget: Golden Pines ($712,752), Midtown Miami ($677,264), Wynwood-Edgewater ($677,264), Park West ($644,776). At 10% down and 7%, a $918,457 Miami home runs about $7,107 a month with taxes and insurance, against about $6,126 for a $794,224 New York home.

Neighborhoods closest to the Miami median:

NeighborhoodMedian sale priceHomes sold (3 mo.)
Upper Eastside$964,91466
Shenandoah$862,70039
Coral Way$852,204181

For the lowest entry price, the most affordable well-sampled Miami neighborhoods are Dadeland ($361,232), West End ($370,000), Miami Central Business District ($414,856).

Prices: New York Zillow Home Value Index 2025; Miami Redfin, Jan–Jun 2026. Neighborhood medians and sale counts: Redfin rolling three-month windows, Jan–Jun 2026; neighborhoods with fewer than 5 sales are left out.

Taxes: New York vs Miami

New York, NYMiami, FL
State income tax4%–10.9% (graduated; NYC residents add up to 3.876% city tax)0% (no state income tax)
Effective property tax0.85%0.88%
Property tax on the median home, per year$6,751$8,082

On each city’s median home, property tax works out to about $6,751 a year in New York and $8,082 in Miami. Miami’s rate is higher, so the tax bill shrinks less than the price does.

Income tax: Tax Foundation 2024 state rates. Property tax: Census American Community Survey 2023 5-year estimates, median taxes paid divided by median home value, city level.

Miami neighborhoods to start with

Matched to New York: the lifestyle tags most common among New York neighborhoods in our data are walkable, urban, suburban. The Miami neighborhoods that share them most are Miami Central Business District ($414,856), Central North Miami ($499,826), Downtown Miami ($579,898).

NeighborhoodMedianSales (3 mo.)School ratingCharacter
Dadeland$361,23254–up-and-coming, mixed
Norland$459,90053–up-and-coming, mixed
Carol City$513,000107–up-and-coming, mixed
Park West$644,77639–family, suburban
Golden Pines$712,75248–walkable, mixed
Upper Eastside$964,91466–upscale, gated
Bayshore$1,649,32634–ultra-luxury, executive
Southwest Coconut Grove$2,214,23057–ultra-luxury, executive

Miami’s citywide crime grade is C (FBI UCR 2025); the FBI does not publish it by neighborhood. School ratings appear only where one is on file. See every Miami neighborhood on the Miami neighborhoods page.

Orlando, FL: about 9,506 people from New York

The IRS counts 5,388 households (9,506 people) moving from New York into the Orlando-Kissimmee-Sanford, FL metro in 2022–23, 12% of everyone who left New York for Florida. The full city-to-city guide is New York to Orlando.

What a New York budget buys in Orlando

$794,224
New York, NY median home price
$549,848
Orlando, FL median home price
33 of 35
Orlando neighborhoods at or under the New York median

A typical New York home sells for $794,224; the Orlando median is $549,848. Selling at one median and buying at the other leaves about $244,376 before closing and moving costs. Spend the full $794,224 instead and 33 of the 35 Orlando neighborhoods we track with at least 5 recent sales have a median at or below it. The closest to that budget: Lake Nona South ($778,806), Lake Nona ($732,245), Baldwin Park ($719,750), Eagle Creek ($712,252). At 10% down and 7%, a $549,848 Orlando home runs about $4,222 a month with taxes and insurance, against about $6,126 for a $794,224 New York home.

Neighborhoods closest to the Orlando median:

NeighborhoodMedian sale priceHomes sold (3 mo.)
Storey Park$549,80935
Hickory Hut$565,29878
Hamlin$514,82175

For the lowest entry price, the most affordable well-sampled Orlando neighborhoods are Florida Center North ($179,000), Ventura ($182,437), Metro West ($201,430).

Prices: New York Zillow Home Value Index 2025; Orlando Redfin, Jan–Jun 2026. Neighborhood medians and sale counts: Redfin rolling three-month windows, Jan–Jun 2026; neighborhoods with fewer than 5 sales are left out.

Taxes: New York vs Orlando

New York, NYOrlando, FL
State income tax4%–10.9% (graduated; NYC residents add up to 3.876% city tax)0% (no state income tax)
Effective property tax0.85%0.81%
Property tax on the median home, per year$6,751$4,454

On each city’s median home, property tax works out to about $6,751 a year in New York and $4,454 in Orlando. Orlando’s rate is lower as well as its prices.

Income tax: Tax Foundation 2024 state rates. Property tax: Census American Community Survey 2023 5-year estimates, median taxes paid divided by median home value, city level.

Orlando neighborhoods to start with

Matched to New York: the lifestyle tags most common among New York neighborhoods in our data are walkable, urban, suburban. The Orlando neighborhoods that share them most are Downtown Orlando ($276,404), University of Central Florida ($320,000), Reunion ($405,000).

NeighborhoodMedianSales (3 mo.)School ratingCharacter
Florida Center North$179,00037–up-and-coming, mixed
Downtown Orlando$276,40444–urban, walkable
Highlands Reserve$324,88730–gated, suburban
Alafaya Woods$409,85742–family, suburban
Vista Park$484,57133–family, suburban
Lakeside Village$607,50084–waterfront, suburban
Eagle Creek$712,25249–waterfront, suburban
Bella Collina$2,099,27033–ultra-luxury, executive

Orlando has no FBI UCR 2025 crime figure in our data, so we show no crime grade. School ratings appear only where one is on file. See every Orlando neighborhood on the Orlando neighborhoods page.

Tampa, FL: about 8,728 people from New York

The IRS counts 5,284 households (8,728 people) moving from New York into the Tampa-St. Petersburg-Clearwater, FL metro in 2022–23, 12% of everyone who left New York for Florida.

What a New York budget buys in Tampa

$794,224
New York, NY median home price
$526,660
Tampa, FL median home price
12 of 12
Tampa neighborhoods at or under the New York median

A typical New York home sells for $794,224; the Tampa median is $526,660. Selling at one median and buying at the other leaves about $267,564 before closing and moving costs. Spend the full $794,224 instead and 12 of the 12 Tampa neighborhoods we track with at least 5 recent sales have a median at or below it. The closest to that budget: Southwest Tampa ($729,746), Tampa Palms ($486,831), Carrollwood Village ($464,838), New Tampa ($449,844). At 10% down and 7%, a $526,660 Tampa home runs about $4,022 a month with taxes and insurance, against about $6,126 for a $794,224 New York home.

Neighborhoods closest to the Tampa median:

NeighborhoodMedian sale priceHomes sold (3 mo.)
Tampa Palms$486,83145
Carrollwood Village$464,83842
New Tampa$449,844264

For the lowest entry price, the most affordable well-sampled Tampa neighborhoods are Sulphur Springs ($299,896), 40th Street Corridor ($309,000), Greater Palm River Point ($336,500).

Prices: New York Zillow Home Value Index 2025; Tampa Redfin, Jan–Jun 2026. Neighborhood medians and sale counts: Redfin rolling three-month windows, Jan–Jun 2026; neighborhoods with fewer than 5 sales are left out.

Taxes: New York vs Tampa

New York, NYTampa, FL
State income tax4%–10.9% (graduated; NYC residents add up to 3.876% city tax)0% (no state income tax)
Effective property tax0.85%0.76%
Property tax on the median home, per year$6,751$4,003

On each city’s median home, property tax works out to about $6,751 a year in New York and $4,003 in Tampa. Tampa’s rate is lower as well as its prices.

Income tax: Tax Foundation 2024 state rates. Property tax: Census American Community Survey 2023 5-year estimates, median taxes paid divided by median home value, city level.

Tampa neighborhoods to start with

Matched to New York: the lifestyle tags most common among New York neighborhoods in our data are walkable, urban, suburban. The Tampa neighborhoods that share them most are Greater Palm River Point ($336,500), Old Seminole Heights ($415,000), Citrus Park Community ($442,500).

NeighborhoodMedianSales (3 mo.)School ratingCharacter
Sulphur Springs$299,89644–up-and-coming, mixed
40th Street Corridor$309,00093–up-and-coming, mixed
Northeast Tampa$341,000396–up-and-coming, mixed
Old Seminole Heights$415,00099–trendy, walkable
Northwest Tampa$439,847325–up-and-coming, mixed
Citrus Park Community$442,50088–family, suburban
Carrollwood Village$464,83842–family, suburban
Southwest Tampa$729,746595–walkable, mixed

Tampa’s citywide crime grade is C (FBI UCR 2025); the FBI does not publish it by neighborhood. School ratings appear only where one is on file. See every Tampa neighborhood on the Tampa neighborhoods page.

Frequently asked questions

Should I move to Miami or Tampa from New York?
Tampa is the more popular choice for New Yorkers seeking affordability — neighborhood median prices around $527k vs Miami's $918k. Miami offers a more cosmopolitan urban experience with significant Latin American cultural influence, but home prices and rents are significantly higher. Tampa has grown substantially in recent years and now has a legitimate food, arts, and sports scene.
What is the income tax savings from moving from New York to Florida?
New York has a top state income tax rate of 10.9% plus New York City's own income tax of up to 3.876% for city residents — a combined top rate above 14% for NYC residents. Florida has no state income tax. On a $200,000 income, moving from NYC to Florida saves roughly $22,000–$28,000 in income taxes annually, depending on deductions. This is a primary financial driver for high-income New Yorkers considering Florida.
What are the downsides of moving from New York to Florida?
Florida's home insurance costs have risen dramatically in recent years due to hurricane risk and a challenged insurance market — annual premiums that were $2,000–$3,000 several years ago can now run $6,000–$12,000+ in some coastal areas. Flood insurance is an additional cost in many neighborhoods. Summer heat and humidity are intense. Florida has no state income tax but property taxes and insurance costs offset some of the benefit. Check specific insurance costs for any neighborhood before committing.
Is Florida a good state for remote workers from New York?
Florida has become one of the top destinations for remote workers from the Northeast. No income tax, lower home prices than NYC suburbs, warm weather, and a growing professional community in cities like Miami, Tampa, and Sarasota. The time zone (Eastern) is the same as New York, making client calls easier than a western move. Miami in particular has attracted significant VC and startup activity since 2021.
Where do people from New York move in Florida?
IRS data for 2022–23 show 43,187 New York households moved to Florida. The top metros were Miami-Fort Lauderdale-West Palm Beach, FL (13,449), Orlando-Kissimmee-Sanford, FL (5,388), Tampa-St. Petersburg-Clearwater, FL (5,284).
How much house does a New York budget buy in Florida?
The New York median is $794,224. Medians are $918,457 in Miami, $549,848 in Orlando, $526,660 in Tampa; each section above names the neighborhoods at that budget.

Get matched with an agent where you are moving

Tell us who you are and Chris Harris will connect you with a licensed local agent who knows the neighborhoods above. Free, no obligation.

Want ranked neighborhoods first? Take the 2-minute neighborhood quiz.

Sources. Migration: IRS SOI 2022–2023. Home prices: market medians (Redfin Jan–Jun 2026; Zillow ZHVI 2025 for New York where noted). Property tax: Census ACS 2023. Income tax: Tax Foundation 2024. Crime: FBI UCR 2025. Verified October 11, 2026.