{"id":729,"date":"2026-04-13T21:55:58","date_gmt":"2026-04-13T21:55:58","guid":{"rendered":"https:\/\/pamlombardrealtor.com\/?p=729"},"modified":"2026-04-13T21:55:58","modified_gmt":"2026-04-13T21:55:58","slug":"considering-moving-to-florida-what-to-expect-for-property-taxes","status":"publish","type":"post","link":"https:\/\/pamlombardrealtor.com\/?p=729","title":{"rendered":"Considering Moving to Florida? What to expect for Property Taxes"},"content":{"rendered":"

\"\" \"\" \"\"<\/h2>\n

<\/h2>\n

\ud83c\udfe1 How Property Taxes Compare: Florida vs. Michigan vs. New York vs. Pennsylvania (2026)<\/strong><\/h2>\n

\ud83d\udcca Effective State Property Tax Rates<\/strong><\/h3>\n

(Percentage of home value paid annually)<\/em><\/p>\n

\n
\n\n\n\n\n\n\n\n\n
State<\/th>\nApprox. Effective Property Tax Rate<\/th>\nSource Insight<\/th>\n<\/tr>\n<\/thead>\n
\ud83c\udf34 Florida<\/strong><\/td>\n~0.74%<\/td>\nOne of the lower property tax burdens<\/strong> nationally.<\/td>\n<\/tr>\n
\ud83c\udf41 Michigan<\/strong><\/td>\n~1.15%<\/td>\nSignificantly higher than in Florida.<\/td>\n<\/tr>\n
\ud83d\uddfd New York<\/strong><\/td>\n~1.43%<\/td>\nHigher than Florida & Michigan, often among the higher state rates nationally.<\/td>\n<\/tr>\n
\ud83c\udfe1 Pennsylvania<\/strong><\/td>\n~1.18%<\/td>\nMid-to-higher range in the U.S., but lower than NY on average.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

\ud83d\udc49 The effective tax rate<\/em> compares total property taxes paid to overall home value \u2014 giving you a real picture of the tax burden on homeowners in each state.<\/p>\n

\n

\ud83d\udcb5 What That Looks Like in Real Dollars<\/strong><\/h2>\n

Let\u2019s imagine a home valued at $400,000<\/strong>:<\/p>\n

\n
\n\n\n\n\n\n\n\n\n
State<\/th>\nEstimated Annual Property Tax<\/th>\n<\/tr>\n<\/thead>\n
Florida (0.74%)<\/strong><\/td>\n~$2,960<\/td>\n<\/tr>\n
Michigan (1.15%)<\/strong><\/td>\n~$4,600<\/td>\n<\/tr>\n
New York (1.43%)<\/strong><\/td>\n~$5,720<\/td>\n<\/tr>\n
Pennsylvania (1.18%)<\/strong><\/td>\n~$4,720<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

(These are illustrative examples<\/em> based on average statewide effective rates multiplied by home value \u2014 your local county millage and exemptions can change these numbers.<\/strong>)<\/p>\n

\n

\ud83c\udf34 Why Florida\u2019s Property Taxes Tend to Be Lower<\/h2>\n

\ud83d\udfe2 No state income tax<\/strong> \u2192 overall lower tax burden
\ud83d\udfe2 Homestead exemption<\/strong> up to $50,000 (plus additional senior exemptions in many counties)
\ud83d\udfe2 Effective rate below the national average<\/strong>
\ud83d\udfe2 Many homeowners pay less in property tax share even when home values rise**<\/p>\n

Florida\u2019s effective rate (~0.74%)<\/em> is below Michigan, New York, and Pennsylvania \u2014 which can enhance affordability for owners, especially when combined with no income tax.<\/p>\n

\n

\ud83c\udfd9\ufe0f Tips for Buyers (Especially Relocating from MI\/NY\/PA)<\/h2>\n

\u2714 Ask for actual property tax bills<\/strong> from the seller before making an offer.
\u2714 Check local exemptions<\/strong> (Florida\u2019s homestead exemption can save thousands annually).
\u2714 Millage rates vary widely by county\/city<\/strong>, so compare specific local tax rates.
\u2714 Rising market values<\/strong> can increase taxes even if rates stay flat.<\/p>\n

\n

\ud83d\udccc Quick Takeaways<\/h2>\n

\ud83d\udccd Florida property tax burdens are generally lower<\/strong> than Michigan, New York, and Pennsylvania effective rates.
\ud83d\udccd New York and Michigan tend to have the highest effective percentages<\/strong> in this group.
\ud83d\udccd Pennsylvania sits in the middle<\/strong> \u2014 higher than Florida but generally lower than New York & similar to Michigan.<\/p>\n

Florida Taxes for Homestead Properties are capped so as a buyer you will need to expect a pretty large increase in taxes the year after purchasing and then slow rise in taxes until property is sold again. Very similar to Michigan in that respect.\u00a0 No income tax and low property taxes are 2 factors that make choosing to relocate to Florida a positive experience.<\/p>\n

If you are considering moving to Florida I would love to help!!<\/p>\n

\n","protected":false},"excerpt":{"rendered":"

\ud83c\udfe1 How Property Taxes Compare: Florida vs. Michigan vs. New York vs. Pennsylvania (2026) \ud83d\udcca Effective State Property Tax Rates (Percentage of home value paid annually) State Approx. Effective Property Tax Rate Source Insight \ud83c\udf34 Florida ~0.74% One of the lower property tax burdens nationally. \ud83c\udf41 Michigan ~1.15% Significantly higher than in Florida. \ud83d\uddfd New […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-729","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/pamlombardrealtor.com\/index.php?rest_route=\/wp\/v2\/posts\/729","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pamlombardrealtor.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pamlombardrealtor.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pamlombardrealtor.com\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/pamlombardrealtor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=729"}],"version-history":[{"count":1,"href":"https:\/\/pamlombardrealtor.com\/index.php?rest_route=\/wp\/v2\/posts\/729\/revisions"}],"predecessor-version":[{"id":788,"href":"https:\/\/pamlombardrealtor.com\/index.php?rest_route=\/wp\/v2\/posts\/729\/revisions\/788"}],"wp:attachment":[{"href":"https:\/\/pamlombardrealtor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=729"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pamlombardrealtor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=729"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pamlombardrealtor.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=729"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}