Moving to Florida: What You Should Know Before Buying Your Dream Home

Florida draws millions of new residents with its warm climate, outdoor lifestyle, and the promise of no state income tax. But living here — and owning a home here — works differently than in many other parts of the country.

If you’re thinking about buying a home as you relocate, it pays to slow down, understand how life in Florida actually feels and what it costs, and make a plan that fits both your budget and your lifestyle.

The Real Cost of Living in Florida

“Florida is cheap — there’s no state income tax.” You’ll hear this a lot. The truth is more nuanced: some costs are lower, others are higher, and it varies a lot by region.

Housing costs

Hot markets like Miami, Naples, Sarasota, Orlando and Tampa can be surprisingly expensive compared to smaller inland towns.
Condos near the coast may look affordable, but factor in HOA or condo fees and potential assessments.
Single-family homes in newer master-planned communities may include CDD fees (Community Development District) on your tax bill.

Everyday expenses

Groceries & dining out: Often similar to the national average in suburban areas; higher in tourist-heavy zones.
Healthcare: Can be a major cost if you’re self-employed, retired before Medicare, or changing networks.
Transportation: Most Floridians rely on cars. Factor in tolls, insurance (often higher), and fuel.

          Build a Florida-specific budget that reflects where you’re actually moving —
          coastal city, suburbs, or smaller inland town. Two different zip codes can feel
          like two different states when it comes to cost.
        

Weather: More Than Just Sunshine

Yes, you’ll get plenty of sunshine — but Florida weather is about heat, humidity, storms, and a very real hurricane season.

Heat and humidity

Summers are long, hot and humid, especially from May through October.
Air conditioning is not optional; it’s a major part of daily comfort and your utility bills.
Outdoor life is amazing, but you’ll likely shift activities to mornings and evenings in summer.

Hurricane season and severe storms

Hurricane season runs from June through November, with peak activity in late summer and early fall.
You’ll need a plan for storm prep and possible evacuation, especially near the coast and in flood-prone areas.
Frequent thunderstorms can mean power flickers or short outages; many residents invest in surge protection or generators.

          Try to visit your ideal area at least once during the summer to see
          how the heat, humidity, and storms feel in daily life — not just during
          a perfect winter week.
        

Understanding Florida Insurance Reality

Insurance is one of the biggest surprises for new Florida homeowners. Premiums can be significantly higher than what you’re used to.

Types of coverage to consider

Homeowners insurance: Covers the structure and your belongings (with limits and exclusions).
Windstorm coverage: In some cases, this is a separate policy for hurricane and wind damage.
Flood insurance: Typically not included in standard policies and may be required by your lender if you’re in a higher-risk zone.
Auto insurance: Often more expensive than in many other states.

What impacts your premium?

Age, shape and roofing material of the home.
Whether you have impact windows or hurricane shutters.
Distance to the coast or major bodies of water.
Claims history in that area and on that property.

          Before you fall in love with a home, get quotes from at least
          two insurance agents based on that specific property. A cheap house
          with a very old roof can still be an expensive decision.
        

Local Taxes: No State Income Tax ≠ No Taxes

One of Florida’s biggest selling points is no state income tax. That’s real — but other taxes still matter, especially property taxes and local sales tax.

What to know about taxes in Florida

No state income tax: Great for high earners, retirees with certain income sources, and remote workers.
Property taxes: Vary by county and city, and are based on assessed value. When you buy, the taxable value may reset closer to your purchase price.
Homestead exemption: If this is your primary residence, you may qualify for valuable property tax benefits and caps.
Sales tax: Affects your everyday spending and big purchases, like furniture and cars.

          Check the county property appraiser’s website for your target home and run
          a tax estimate using your expected purchase price, not the current owner’s bill.
        

Utilities, HOAs and Other Ongoing Costs

Beyond your mortgage, you’ll want a clear picture of monthly operating costs. Florida homes often have expenses that may be new to you.

Typical utilities and services

Electricity: AC is the main driver, especially in summer. Newer, well-insulated homes with efficient systems can save a lot.
Water & sewer: Costs vary by city and whether you’re on municipal systems or well and septic.
Internet & cable: Options depend on the provider mix in your specific area.

Extra Florida-specific costs

HOA or condo fees: Common in planned communities and condos; may include amenities, landscaping, and reserves.
Lawn care and pest control: The climate is great for plants — and bugs. Many owners pay for regular service.
Pool service: If your home has a pool, budget for chemicals and maintenance, or a service contract.

          Ask the seller (through your agent) for recent utility bills and HOA/condo
          statements. It’s one of the easiest ways to reality-check your monthly budget.
        

Choosing the Right Area for Your Lifestyle

“Florida” is not one lifestyle. A downtown Miami condo, a quiet 55+ community, and a family neighborhood near Orlando theme parks all feel completely different.

Questions to guide your search

Are you prioritizing beach access, schools, nightlife, nature, or low cost of living?
Do you want a walkable area or are you comfortable driving everywhere?
Is this your primary home, a vacation place, or a future retirement base?
How important are age of housing, HOAs, and amenities like pools, gyms, and gated entries?

          Spend time in a few different regions if you can — for example, one Gulf Coast city,
          one Atlantic Coast city, and one central Florida area — before locking in on a
          specific market.
        

Should You Rent First or Buy Right Away?

Buying immediately can be tempting, especially in a competitive market. But renting first can give you time to learn the area and avoid costly mistakes.

Reasons to rent first

You’re not sure which city or neighborhood is the best fit.
You’re changing jobs or working remotely for the first time and want to test your new routine.
You want to experience a full hurricane season before committing.
You’re relocating quickly and don’t have time for careful house-hunting.

When buying right away can make sense

You already know the area well from previous visits or family ties.
You’re moving for a long-term job near a specific location.
You’ve run the numbers and found a home that clearly fits your budget and lifestyle.

          If you’re on the fence, a 6–12 month rental can be a smart “soft landing”
          while you explore, meet locals, and buy with confidence instead of urgency.
        

Practical Relocation Tips for a Smooth Move

Logistics matter. A little planning before you move can save a lot of stress once you arrive in Florida.

Timing your move

Consider avoiding the peak of hurricane season (late August through October) if you have flexibility.
Families with kids often plan around the school calendar to avoid mid-year disruptions.

Documents and registrations

Plan to update your driver’s license and vehicle registration soon after arrival.
Register to vote and update your address with banks, employers, and important services.
If this is your primary residence, talk with a local professional about applying for the Homestead Exemption once you qualify.

Settling into your new community

Ask neighbors about the best local contractors, doctors, schools, and services.
Join local groups — online community boards, hobby clubs, or neighborhood associations — to build your network.
Give yourself time. It can take 6–12 months to truly feel at home in a new state.

          Treat your first year in Florida as a learning year: track your real expenses,
          pay attention to what you love (and don’t love), and let that guide your long-term
          housing decisions.
        