Florida
$25,336
Combined bill · #5 of 9
- Paycheck tax
- $20,820
- Take-home
- $79,180
- Property tax
- $3,120
- Sales tax
- $1,396
- COL index
- 100.7
- Share of wages
- 25.3%
Compare different states
2026 · no wage PIT
2026 · no wage PITFlorida vs Texas no income tax
Florida keeps the modeled household bill about $2,724 lower than Texas. Neither state taxes wages. One fixed household — single filer, $100,000 wages, $400,000 home, $20,000 of taxable spending — so property and sales decide the gap (paycheck tax is tied).
By Sammy S. · Founder · AuthorUpdated for 2026
Lower combined household bill
Florida is less taxed
About $2,724 less per year — roughly $227 a month on identical assumptions.
Side-by-side household scoreboard
Texas
$28,060
Combined bill · #9 of 9
- Paycheck tax
- $20,820
- Take-home
- $79,180
- Property tax
- $5,600
- Sales tax
- $1,640
- COL index
- 90.7
- Share of wages
- 28.1%
Line-by-line ladder
Every row uses the same household. The gap column is the annual difference between Florida and Texas.
| Line | Florida | Texas | Gap |
|---|---|---|---|
| Paycheck tax (federal + FICA + PFML) | $20,820 | $20,820 | $0 |
| Property tax ($400,000 home) | $3,120 | $5,600 | $2,480 |
| Sales tax ($20,000 basket) | $1,396 | $1,640 | $244 |
| Combined household bill | $25,336 | $28,060 | $2,724 |
| Take-home on $100,000 | $79,180 | $79,180 | $0 |
| COL index | 100.7 | 90.7 | 10 |
| Share of gross wages | 25.3% | 28.1% | 2.7 pts |
Paycheck tax (federal + FICA + PFML)
Florida$20,820
Texas$20,820
Gap $0
Property tax ($400,000 home)
Florida$3,120
Texas$5,600
Gap $2,480
Sales tax ($20,000 basket)
Florida$1,396
Texas$1,640
Gap $244
Combined household bill
Florida$25,336
Texas$28,060
Gap $2,724
Take-home on $100,000
Florida$79,180
Texas$79,180
Gap $0
COL index
Florida100.7
Texas90.7
Gap 10
Share of gross wages
Florida25.3%
Texas28.1%
Gap 2.7 pts
Same pair at every preset salary
Home value and taxable spending stay fixed, so the movement here comes from paycheck tax.
$75,000 wages
- Florida
- $17,924
- Texas
- $20,648
Florida lower by $2,724
$100,000 wages
- Florida
- $25,336
- Texas
- $28,060
Florida lower by $2,724
$150,000 wages
- Florida
- $40,725
- Texas
- $43,449
Florida lower by $2,724
Paycheck
Neither state taxes wages. Paycheck tax is tied on this vignette (federal income tax and FICA only).
Property
0.78% in Florida vs 1.40% in Texas on the same $400,000 home — $2,480 apart.
Sales
6.98% vs 8.20% combined on $20,000 of purchases — $244 apart.
Key takeaways — Florida vs Texas
- Neither Florida nor Texas levies a wage income tax in 2026.
- Florida is lower overall: $25,336 vs $28,060 — $2,724 a year ($227 a month).
- Paycheck tax: $20,820 in Florida vs $20,820 in Texas (tied on this vignette).
- Property: $3,120 (0.78%) vs $5,600 (1.40%) — $2,480 apart.
- Sales: $1,396 (6.98%) vs $1,640 (8.20%) — $244 apart.
- COL index: 100.7 in Florida vs 90.7 in Texas — 10 points apart.
- Among the nine no-wage-PIT states, household totals run from $24,018 (Wyoming) to $28,060 (Texas).
Florida vs Texas with no wage income tax (2026)
Both states are on the nine-state list. This page holds the household constant — $100,000 single-filer wages, a $400,000 home, $20,000 of taxable spending — then adds paycheck tax, property tax, and sales tax so neither state can look cheaper just by skipping wage PIT.
Florida models the lower total by $2,724 a year. Read the line items — the winner often wins on property or sales, not on the paycheck.
Florida does not tax wages. Sales and property still apply on the household vignette. Texas does not tax wages. On this vignette it has the highest combined household bill among the nine: high property tax plus combined sales tax. New Hampshire’s property rate is higher, but New Hampshire has no general sales tax.
How Florida and Texas split the bill
Florida: $20,820 paycheck, $3,120 property, $1,396 sales. Texas: $20,820 paycheck, $5,600 property, $1,640 sales.
Take-home matches at $79,180 — federal income tax and FICA are the same, and neither state adds wage PIT.
As a share of wages the combined bill is 25.3% in Florida vs 28.1% in Texas.
Tax total vs cost of living
Florida’s COL index is 100.7; Texas’s is 90.7 (US average = 100). A lower household tax total can still sit in a more expensive grocery and rent basket.
Among the nine, Tennessee has the lowest COL index (88.9) and Alaska the highest (129).
Use the tax columns to compare levies and the COL column to compare prices. They answer different questions.
What this comparison leaves out
Local city wage taxes are not in play here (none of the nine models a separate city PIT on this vignette). Employer payroll taxes, credits beyond calculator defaults, and Washington’s capital gains excise on certain long-term gains are excluded from the wage household total.
Property uses a statewide effective rate on a fixed $400,000 home — not your county millage or purchase price. Sales tax uses a combined state + average local rate on a fixed $20,000 basket.
The nine-state range at $100,000 is $24,018 (Wyoming) to $28,060 (Texas).
The same pair at other salaries
Home value and spending stay fixed, so the ladder mostly moves with paycheck tax. At $75,000, Florida is lower by $2,724. At $150,000, Florida is lower by $2,724.
If you itemize, buy a different-priced home, or spend more on taxable goods, reorder the pair in the property and sales hubs rather than treating this ladder as a forecast.
Concepts to know for this comparison
Short definitions so the wage, property, sales, and COL lines add up the way you expect.
Wage PIT is already zero
The interesting gap is property, sales, and (for Washington) modeled employee PFML — not a state wage bracket.
Household total
Add paycheck tax, property on $400,000, and sales on $20,000. That is the ranking metric on the hub.
COL index
A separate price index. It does not change the tax dollars in the scoreboard.
Myths vs facts — Florida vs Texas
Florida must be cheaper because both skip income tax.
Florida is lower on this vignette by $2,724. The other state still has no wage PIT.
Take-home is always identical across no-tax states.
It is identical on this pair ($79,180). Other nine-state pairs involving Washington are not.
Who this Florida vs Texas page helps
Useful if…
- •Choosing between Florida and Texas after already deciding on a no-wage-PIT state
- •Remote workers comparing Texas vs Florida vs Nevada-style forks
- •Retirees who need property and sales, not a wage bracket
Use a fuller model if…
- •Anyone whose home price is far from the vignette value
- •People with large capital gains considering Washington
- •Moves that still involve a high-tax origin — use the all-50 compare ladder too
Common mistakes reading this pair
- Treating the lower COL state as automatically lower-tax
- Using the $400,000 home as your actual bill
- Ignoring Washington employee PFML when Washington is one side
- Forgetting federal tax still applies in Florida and Texas
Florida vs Texas checklist
Before treating the household total as a relocation decision.
- 1Confirm both Florida and Texas are no-wage-PIT states
- 2Read paycheck, property, and sales — not only take-home
- 3Check COL indexes on the scoreboard
- 4Re-run property tax at your purchase price
- 5Open the reverse pair if you are moving the other direction
Florida vs Texas no-income-tax FAQs
Neither does. Both are on the nine-state list. The comparison is property, sales, modeled payroll, and cost of living — not a wage PIT gap.
Florida is lower by about $2,724 a year on this vignette ($25,336 vs $28,060).
Florida: property $3,120 (0.78%), sales $1,396 (6.98%). Texas: property $5,600 (1.40%), sales $1,640 (8.20%).
Florida is #5 and Texas is #9 of 9 on combined household tax (lowest bill = #1).
Yes — on US state tax compare and household tax by state. This hub’s pair form is the nine no-wage-PIT states only.
Compare another pair
Compare two of the nine
Combined wage, property, and sales tax on the $100,000 household vignette.
Related no-income-tax comparisons
Related tools
Estimates for one fixed household, 2026 rules. Statewide average property and sales rates — local wage taxes, city levies, Washington capital gains excise, credits, and itemized deductions are excluded. Not tax advice.