Side-by-side tax comparison between Florida (no income tax) and Rhode Island (5.99% top rate, graduated). See which state lets you keep more at every salary level, and how cost of living changes the picture.
Florida has no state income tax, while Rhode Island uses a graduated system with rates of 3.75-5.99%. On a $100K salary, this creates a state tax difference of $3,894/year that Florida residents simply don’t pay.
Rhode Island’s graduated brackets mean the gap between these two states widens at higher salaries. At $200K, the state tax difference grows to $7,787/year, while at $50K it’s only $1,947.
Florida wins at 10 out of 10 salary levels tested. The advantage is consistent and significant across the income spectrum.
| Salary | Florida | Rhode Island | Difference | Winner |
|---|---|---|---|---|
| $40K | $34,320 | $32,763 | −$1,557 | Florida |
| $50K | $42,355 | $40,408 | −$1,947 | Florida |
| $60K | $50,390 | $48,054 | −$2,336 | Florida |
| $75K | $61,538 | $58,617 | −$2,920 | Florida |
| $100K | $79,125 | $75,232 | −$3,894 | Florida |
| $120K | $93,195 | $88,523 | −$4,672 | Florida |
| $150K | $113,751 | $107,911 | −$5,840 | Florida |
| $200K | $148,887 | $141,100 | −$7,787 | Florida |
| $250K | $183,264 | $173,530 | −$9,734 | Florida |
| $300K | $215,329 | $203,648 | −$11,681 | Florida |
Take-home pay only tells part of the story. Florida has a cost of living index of 100 while Rhode Island is at 105 (national average = 100).
With similar costs of living (100 vs 105), the tax difference is the primary factor. What you see in raw take-home pay is essentially what you get in purchasing power: $79,125 in Florida vs $71,649 in Rhode Island.
For a single earner at $100K filing jointly, take-home becomes $84,710 in Florida and $80,817 in Rhode Island \u2014 a difference of $3,894. The gap remains similar regardless of filing status.
On paper, moving from Rhode Island to Florida would save $3,894/year on a $100K salary, or $19,468 over 5 years. But relocation involves real costs: moving expenses, potentially buying/selling a home, changing jobs, and adjusting to a new community.
The $3,894/year savings is meaningful but probably not enough to justify a move on its own. However, combined with other factors like career growth, lifestyle preferences, or family proximity, it could tip the scale.