Relocating later in life is a significant decision, and Florida continues to stand out as a popular destination for retirees nationwide. From its favorable tax climate to its wide selection of age-restricted communities, the Sunshine State offers appealing benefits for older adults considering a move.
At the same time, when it comes to senior moving, essential details about taxes, insurance, healthcare, and housing rules help establish long-term comfort and financial stability.
Why Florida Appeals to Retirees
Florida has one of the largest senior populations in the United States, with approximately one in every five residents aged 65 or older. That high percentage translates into strong community support, abundant senior-focused services, and a lifestyle that perfectly suits retirees.
For many, the appeal begins with finances. The state doesn’t levy a personal income tax, meaning that Social Security benefits, retirement account withdrawals, and pensions are exempt from state tax.
In addition, property owners benefit from generous exemptions. The homestead exemption reduces taxable property value by up to $50,000. At the same time, the Save Our Homes assessment cap keeps annual increases in assessed value to a modest percentage of the Consumer Price Index, whichever is lower.
Florida law also allows residents to carry part of that cap to a new homestead within the state.
Taxes and Costs You Should Understand
Sales tax in Florida is 6% at the state level, but most counties apply an additional surtax that typically ranges from 0.5% to 1.5%. Since the surtax depends on the county where goods are delivered, it is important to factor this into everyday budgeting.
In Florida, property tax bills are issued toward the end of the year, with payment required by March 31 of the next calendar year. Discounts may be available for paying early, and many counties offer extra exemptions for low-income seniors, so checking with your county property appraiser can pay off.
Regarding everyday expenses, Florida’s overall price level sits slightly higher than the national average. The Bureau of Economic Analysis estimated Florida’s metropolitan costs to be roughly 3% above the U.S. average in 2025.
Because costs vary by metro area, retirees should compare expected housing, groceries, and utilities to their current expenses before finalizing a move.
Housing Choices and Property Ownership
Housing decisions carry particular implications in Florida. While the homestead exemption and Save Our Homes program provide long-term relief for owners, new buyers should expect their first tax bill to reflect a full market-value reset. Buyers may find that the total owed looks quite different than the seller’s last statement.
In addition to statewide exemptions, certain counties provide further tax reductions for seniors who meet income requirements. These exemptions vary annually, so reviewing your eligibility can result in additional savings.
For those interested in planned communities, many neighborhoods operate under federal Housing for Older Persons rules. In these areas, at least 80% of occupied units must have at least one resident over 55, and communities must actively maintain age-restricted policies.
These communities often deliver a strong sense of belonging and access to custom-made services for retirees.
Insurance, Flood Risks, and Hurricanes
Florida’s geography makes storm preparation a part of life. The Atlantic hurricane season runs from June through November, so scheduling moves and deliveries outside this period is recommended when possible.
Homeowners are encouraged to harden properties against wind through programs such as My Safe Florida Home, which provides inspections and grants to help residents strengthen roofs, doors, and windows. Insurers are required to offer discounts for approved mitigation features, making upgrades financially beneficial.
Homeowners insurance can be costly; if private coverage is unavailable, Citizens Property Insurance Corporation is a fallback option. Unlike homeowners insurance, flood policies are sold separately and are mandatory in high-risk zones when financing through a lender.
Because most policies come with a 30-day waiting period, it’s smart to secure coverage ahead of time rather than waiting until the last minute.
Healthcare and Medicare Options
Beyond lifestyle and weather, Florida appeals to many seniors because of the accessibility of medical care. Seniors in Florida benefit from one of the broadest Medicare Advantage options in the United States.
In 2025, more than 600 plans are available statewide, with an average monthly premium of just over four dollars. Options differ by county, so retirees should compare local coverage before enrolling.
Establishing Residency and Other Official Steps
Moving to Florida requires some paperwork. New residents can record a Declaration of Domicile to formally declare the state their permanent home.
Driver’s licenses must be updated within 30 days, and vehicles must be registered within 10 days of beginning employment, enrolling children in school, or otherwise showing residency ties. Older drivers should note that after age 80, passing a vision test is required at every license renewal.
Florida law also sets minimum auto insurance requirements: $10,000 in Personal Injury Protection and another $10,000 for Property Damage Liability. Plates must be surrendered before canceling insurance to avoid penalties.
For those who will be on toll roads frequently, SunPass offers electronic tolling and possible monthly credits for frequent users.
Choosing a Reliable Senior Mover
Finding a mover experienced with senior relocations is one of the most important decisions you’ll make. Federal rules also require movers to provide a booklet outlining rights and responsibilities, which includes explanations of estimates and liability coverage options.
In Florida, movers must register with the Florida Department of Agriculture and Consumer Services. Recent legislation strengthened consumer protections, so seniors are more protected against dishonest practices.
Making Florida Your Next Home
Relocating later in life is about more than changing addresses; it’s about finding comfort, security, and a place that feels like home. Florida offers seniors a welcoming environment, but having the right help makes the transition even easier.
At MG Moving Services, we recognize that some older adults may have special considerations when relocating, and we customize our approach accordingly. Our team provides reliable support for local and long-distance relocations, and we bring the same care and professionalism whether the job is large or small.
Now serving Florida, our team is prepared to make your transition seamless and help you feel at home in your new community. Reach out today for a free quote or call 1-(888)-707-7709 to start planning your move with us.