PA to FL — the tax math, the equity picture, and the First Coast communities that fit PA buyers
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Talk to a Specialist →PA has a flat 3.07% income tax — lower than most states. Florida has zero. A couple drawing $80K in retirement income saves approximately $2,500/year moving to Florida. The property tax savings from PA are smaller than NJ/NY — the income tax savings are the primary financial driver.
PA buyers who have been watching NJ and DE retirees move to the First Coast for years. Del Webb Ponte Vedra and Stillwater are common landing spots for PA buyers at $400K–$550K. Cascades WGV appeals to PA buyers coming from the Lehigh Valley and Central PA with more modest home equity.
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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 Pennsylvania — 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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