Florida vs Georgia:
Take-Home Pay Comparison
Side-by-side tax comparison between Florida (no income tax) and Georgia (5.19% top rate, flat). See which state lets you keep more at every salary level, and how cost of living changes the picture.
Tax Structure: Florida vs Georgia
Florida has no state income tax, while Georgia uses a flat system with rates of 5.19% flat. On a $100K salary, this creates a state tax difference of $5,190/year that Florida residents simply don’t pay.
Georgia’s flat 5.19% rate means the gap scales linearly with income. At $200K, you’d save $10,380 by being in Florida instead.
Take-Home at Every Salary Level
Florida wins at 10 out of 10 salary levels tested. The advantage is consistent and significant across the income spectrum.
| Salary | Florida | Georgia | Difference | Winner |
|---|---|---|---|---|
| $40K | $34,320 | $32,244 | −$2,076 | Florida |
| $50K | $42,355 | $39,760 | −$2,595 | Florida |
| $60K | $50,390 | $47,276 | −$3,114 | Florida |
| $75K | $61,538 | $57,645 | −$3,893 | Florida |
| $100K | $79,125 | $73,935 | −$5,190 | Florida |
| $120K | $93,195 | $86,967 | −$6,228 | Florida |
| $150K | $113,751 | $105,966 | −$7,785 | Florida |
| $200K | $148,887 | $138,507 | −$10,380 | Florida |
| $250K | $183,264 | $170,289 | −$12,975 | Florida |
| $300K | $215,329 | $199,759 | −$15,570 | Florida |
Cost of Living: Florida (100) vs Georgia (93)
Take-home pay only tells part of the story. Florida has a cost of living index of 100 while Georgia is at 93 (national average = 100).
The cost of living gap is moderate. After adjustment, $100K has purchasing power of $79,125 in Florida vs $79,500 in Georgia. However, Georgia actually provides better purchasing power despite Florida’s take-home advantage.
Married Filing Jointly: How It Changes the Comparison
For a single earner at $100K filing jointly, take-home becomes $84,710 in Florida and $79,520 in Georgia \u2014 a difference of $5,190. The gap remains similar regardless of filing status.
Should You Move from Georgia to Florida?
On paper, moving from Georgia to Florida would save $5,190/year on a $100K salary, or $25,950 over 5 years. But relocation involves real costs: moving expenses, potentially buying/selling a home, changing jobs, and adjusting to a new community.
With an annual savings of $5,190, the tax difference alone is significant enough to justify a move for many people — especially if career opportunities are comparable. At higher salaries, the savings grow even larger: a $200K earner would save $10,380/year.