The honest financial comparison, what your Florida equity buys in the Austin-San Antonio corridor, and the practical steps before you list your home
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Talk to a Specialist →Florida-to-Texas is an unusual direction — both states have no income tax, both have warm climates, and both have active adult community ecosystems. Florida buyers researching Texas are usually looking for one of three things: lower property taxes in Texas vs Florida's continued post-Hurricane inflation on insurance, interior Hill Country terrain vs Florida's flat coastal landscape, or a specific community (Sun City Texas, Kissing Tree) that they find more compelling than Florida options. The comparison is not financially obvious — it requires modeling your specific situation.
| Tax Category | Florida | Texas (65+ primary) |
|---|---|---|
| State income tax | None | None |
| Property tax on $500K home (65+ FL) | ~$3,000–$6,000/yr (Homestead + Save Our Homes cap) | ~$4,800–$6,500/yr |
| Homeowners insurance | ~$4,000–$12,000+/yr (coastal areas, hurricane-exposed) | ~$2,000–$4,000/yr (lower, no hurricane premium) |
| Net annual difference | Varies significantly — model your specific county and insurance situation | |
Florida's homeowners insurance crisis has changed the comparison meaningfully since 2022. Coastal FL buyers paying $8,000–$12,000/year in insurance may find Texas' $2,000–$3,500/year premium dramatically lower. Interior FL buyers with lower insurance costs may find the comparison closer.
Florida buyers moving to Texas typically have equity from Tampa, Orlando, Sarasota, or Naples area appreciation. The communities they are leaving are often themselves 55+ active adult communities — meaning they understand the model and are looking for a direct upgrade in community quality, terrain variety, or financial efficiency.
| Texas Community | Price Range | HOA | Best For |
|---|---|---|---|
| Sun City Texas (Georgetown) | \$300K–\$700K | ~\$100/mo | Value, 54-hole golf, maximum amenity scale |
| Kissing Tree (San Marcos) | \$350K–\$700K | ~\$263/mo | Hill Country terrain, halfway between Austin and San Antonio |
| Trilogy at Rough Hollow | \$600K–\$1.5M+ | \$350–\$450/mo | Lake Travis access, luxury product, closest to Austin |
| Villas at Kissing Tree | \$270K–\$450K | \$255/mo (lawn incl.) | Best value entry to Kissing Tree amenities |
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Florida buyers choosing Texas typically do so for terrain reasons (they want Hill Country vs flat Florida) or insurance cost reasons. Sun City Texas or Kissing Tree are both logical destinations. The lifestyle comparison is close — both are excellent active adult ecosystems. Texas wins on insurance cost for hurricane-exposed FL properties; FL may win on property taxes for buyers with long-established Florida homestead exemptions.
Tell us your Florida home value, income profile, and target Texas community — we'll run the full financial comparison.
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