Florida Paycheck Calculator (2026)
Florida is one of nine states with no income tax on wages — a big part of why the "move to Florida" conversation never dies. On a $75,000 salary, the Florida worker keeps every dollar that state taxes claim elsewhere: about $3,500 more than the same paycheck in New York. Here's the math.
Florida's model leans on visitors and shoppers instead of earners: a 6% state sales tax (plus county add-ons), documentary taxes on real estate, and tourism revenue do the heavy lifting. For a paycheck, though, the math is the simplest in America — federal income tax and FICA, nothing else.
Run your own salary in our US Take-Home Pay Calculator — pick Florida and watch the state-tax line go to zero.
2026 Florida income tax: there isn't one
Florida levies no personal income tax — on wages or anything else. No brackets, no state return for your salary, and no city or county wage taxes either. Your pay stub shows federal income tax and FICA, full stop.
Worked example: $75,000 salary, single filer, 2026
Federal (2026: $16,100 standard deduction, single; brackets per IRS Rev. Proc. 2025-32): taxable $58,900 → 10% × $12,400 = $1,240; 12% × $38,000 = $4,560; 22% × $8,500 = $1,870 → federal income tax $7,670.
FICA: Social Security 6.2% × $75,000 = $4,650; Medicare 1.45% × $75,000 = $1,087.50 → $5,737.50 (under the 2026 $184,500 Social Security wage base).
| Amount | |
|---|---|
| Gross pay | $75,000 |
| Federal income tax | −$7,670 |
| FICA | −$5,738 |
| Florida income tax | −$0 |
| Take-home | $61,592 |
Same $75,000 in Illinois keeps about $58,024; in Georgia about $58,322. Florida's edge is the whole state-tax line.
What changes at $150,000
The same single filer at $150,000 in 2026: federal income tax $24,734 (taxable $133,900 → 10% × $12,400 = $1,240; 12% × $38,000 = $4,560; 22% × $55,300 = $12,166; 24% × $28,200 = $6,768) and FICA $11,475 ($9,300 Social Security + $2,175 Medicare — still under the $184,500 wage base).
| $75,000 salary | $150,000 salary | |
|---|---|---|
| Florida income tax | $0 | $0 |
| Take-home | $61,592 | $113,791 |
Like Texas, Florida scales linearly — the state takes nothing at either income, so the entire gap to taxed states doubles with the salary.
Local taxes
None on wages. Florida local governments don't tax employee pay.
Final pay & PTO rules
Florida has no state law setting a deadline for a final paycheck. Your employer doesn't have to hand you a check on your last day — in practice it arrives on the next regular payday under normal company payroll timing, and there's no state waiting-time penalty. Florida also has no statewide mandatory paid sick leave law. Any paid sick time you get comes from your employer's policy, not from Florida law.
Sources: Florida Statutes — no final-paycheck deadline and no paid-sick-leave mandate exist in state law; Florida Commerce (DEO) publishes no final-pay deadline rule. Checked 2026-10-10.
FAQ
Do I file a Florida state tax return? Not for wage income — there's no tax to report. (Businesses deal with Florida's corporate tax, but that's a different form for a different taxpayer.)
I moved to Florida from New York mid-year. What do I owe? New York taxes the wages you earned as a New York resident; Florida taxes nothing. Expect a part-year New York return. Document your move date — New York audits residency aggressively.
Are bonuses also state-tax-free in Florida? Yes. Federal supplemental withholding (flat 22%) and FICA still apply, but Florida takes nothing. Our bonus guide walks through the federal side.
Does Florida tax retirement income? Florida doesn't tax it — no income tax means no tax on pensions, 401(k) withdrawals, or Social Security at the state level. (Federal rules still apply.)
What's the catch — how does Florida fund itself? Mostly sales tax (6% state plus local add-ons) and property taxes, plus tourism-related revenue. Whether that leaves you better off depends on your spending and housing — but the paycheck math above is unambiguous.
Is Florida actually cheaper, or do other taxes eat the savings? The paycheck savings are unambiguous — $0 state tax at any income. But Florida's 6% state sales tax (plus county add-ons) and some of America's priciest homeowners insurance (hurricane risk) offset part of it. Compare total cost of living, not just the pay stub — though for pure take-home pay, Florida is unbeatable.
I'm a snowbird — do I owe Florida anything? Florida taxes nothing either way. The risk runs the other direction: your former state may claim you're still its resident. High-tax states audit this aggressively and the "183-day rule" is looser in practice than people think — keep a contemporaneous calendar of where you slept, move your driver's license and voter registration, and document the move.
Data sources
- State: Florida Constitution, Art. VII, §5 — no personal income tax (nine no-wage-tax states per Tax Foundation 2026 tables, as of January 2026).
- Federal: IRS Rev. Proc. 2025-32 (IR-2025-103, Oct 9, 2025); 2026 standard deduction $16,100 single.
- FICA: SSA 2026 — 6.2% to $184,500 wage base; 1.45% Medicare.
Estimates only, not tax advice.