Side-by-side tax comparison between Florida (no income tax) and Texas (no income tax). See which state lets you keep more at every salary level, and how cost of living changes the picture.
Both Florida and Texas have no state income tax, so the take-home pay difference at any salary level comes down to local taxes and cost of living. Federal tax and FICA are identical regardless of state.
Neither state imposes local income taxes, so the only difference is cost of living: Florida at 100 vs Texas at 93.
Florida wins at 0 out of 10 salary levels tested. The states are evenly matched.
| Salary | Florida | Texas | Difference | Winner |
|---|---|---|---|---|
| $40K | $34,320 | $34,320 | $0 | Tie |
| $50K | $42,355 | $42,355 | $0 | Tie |
| $60K | $50,390 | $50,390 | $0 | Tie |
| $75K | $61,538 | $61,538 | $0 | Tie |
| $100K | $79,125 | $79,125 | $0 | Tie |
| $120K | $93,195 | $93,195 | $0 | Tie |
| $150K | $113,751 | $113,751 | $0 | Tie |
| $200K | $148,887 | $148,887 | $0 | Tie |
| $250K | $183,264 | $183,264 | $0 | Tie |
| $300K | $215,329 | $215,329 | $0 | Tie |
Take-home pay only tells part of the story. Florida has a cost of living index of 100 while Texas 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 $85,081 in Texas. However, Texas actually provides better purchasing power despite Florida’s take-home advantage.
For a single earner at $100K filing jointly, take-home becomes $84,710 in Florida and $84,710 in Texas \u2014 a difference of $0. The gap remains similar regardless of filing status.
On paper, moving from Texas to Florida would save $0/year on a $100K salary, or $0 over 5 years. But relocation involves real costs: moving expenses, potentially buying/selling a home, changing jobs, and adjusting to a new community.
At $0/year, the tax difference alone likely isn’t worth relocating for. Other factors — job market, lifestyle, family — should drive the decision. The tax savings are a nice bonus if you’re already considering the move for other reasons.