NJ to FL — the tax math, the equity picture, and the First Coast communities that fit NJ buyers
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Talk to a Specialist →NJ taxes retirement income at up to 10.75%. Florida has zero state income tax. A retired NJ couple drawing $100K from IRAs saves $4,000–$8,000/year in state income tax moving to Florida.
NJ buyers typically have the highest equity of any feeder state. Del Webb Nocatee and Del Webb Ponte Vedra are the most common landing spots. Buyers who want to avoid CDD fees often choose Del Webb eTown. NJ buyers respond strongly to the Mayo Clinic argument — particularly buyers from Bergen, Monmouth, and Morris Counties who are accustomed to access to top medical centers.
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Florida's Save Our Homes amendment caps your assessed value growth at 3%/year after year one of primary residency. This is the most powerful long-term property tax protection in any state we cover. Buyers from New Jersey — where assessed values typically track market values — will find this cap produces significant compounding tax savings over a 15–20 year retirement horizon.
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