The Pros And Cons Of Living In Florida
Is Florida a good place to live? With four of the five fastest-growing cities in the nation in 2024, it certainly seems appealing. From financial perks like no state income tax to exciting attractions and world-renowned beaches, there are many reasons people are moving south for more than just a vacation. However, like any state, Florida has its challenges. If you’re considering a move to the Sunshine State, read on to explore the pros and cons of living in Florida.
Fun Facts About Florida
- Sunshine State: Florida lives up to its nickname with an average of 237 sunny days per year.
- Unique Coastline: It’s the only state bordering both the Atlantic Ocean and the Gulf of Mexico, boasting some of the world’s best beaches.
- State Flower: The orange blossom represents Florida’s rich citrus industry.
- Longest Coastline: Florida has over 8,400 miles of coastline, more than any other state.
- Golfer’s Paradise: With over 1,250 golf courses, golf enthusiasts will find plenty of opportunities.
- Tourism Boom: A record 40.6 million people visited Florida in the first three months of 2024, a 1.2% increase from the previous year.
- National Parks: Greater Miami uniquely borders two national parks: Everglades National Park and Biscayne National Park.
Pros and Cons of Living in Florida — FAQs
What is the quality of life in Florida?
It depends on your lifestyle preferences. If you enjoy outdoor activities, theme parks, and beautiful beaches, Florida might offer the quality of life you’re looking for.
What are the negatives of living in Florida?
Some drawbacks include a somewhat expensive housing market, high humidity, a large number of tourists, and various bugs and wildlife.
Should I move to Florida or California?
Consider your personal preferences and circumstances. California offers abundant job opportunities but comes with high taxes and a high cost of living. Florida, with its laid-back lifestyle and no state income tax, might be better for retirees or those seeking a relaxed environment.
Why are people moving to Florida?
Year-round warm weather, no snow, and no state income tax are some of the top reasons.
How much money do you need to live comfortably in Florida?
According to MIT’s Living Wage Calculator , a single person without children should earn at least $46,000 annually before taxes to live comfortably in Florida.
Are people happier when they move to Florida?
Florida ranks No. 8 on the list of “happiest states.” Many new residents find that the relaxed, sunny environment and low tax burden improve their overall mood.
Pros and Cons of Living in Florida
Pro: Cultural Diversity
Florida boasts a rich cultural heritage influenced by immigrants from Cuba, Spain, Italy, and more. The state ranks seventh in the nation for diversity, covering socioeconomic, cultural, household, religious, and political aspects.
Con: High Tourist Presence
Tourism is a double-edged sword. While it boosts the economy, it also means crowded attractions and heavy traffic, especially during peak seasons. The traffic can become unbearable during the peak season when snowbirds flock to the state, and the overcrowding at famous amusement parks makes them less enjoyable for locals.
(Pro tip: Avoid visiting Disney during the holidays.)
Pro: Sports Opportunities
Florida is a haven for sports enthusiasts, with professional teams in basketball, hockey, football, and baseball. But many professional teams call the state home, including the NBA’s Miami Heat and Orlando Magic ; the NHL’s Florida Panthers and Tampa Bay Lightning ; the NFL’s Miami Dolphins , Tampa Bay Buccaneers , and Jacksonville Jaguars ; and the MLB’s Miami Marlins and Tampa Bay Rays . College football is particularly popular, with the Florida Gators, Florida State Seminoles, and Miami Hurricanes leading the pack. The UCF Knights and USF Bulls are on the rise, too, with growing and passionate fan bases staking their claim. Even if you didn’t attend these colleges, you may find yourself choosing a side come fall. Playoff season in Florida is always a fun time, and you’ll never have a problem finding a restaurant to catch the game.
And the field pro sports aren’t the only show around. Daytona is home to NASCAR races and the Daytona 500 . Homestead in South Florida also hosts an annual NASCAR race. If you’re more of an IndyCar fan, though, the St. Pete Grand Prix happens every February-March on the state’s West Coast.
Con: Limited Public Transportation
Public transportation options are limited, making a car essential in most areas. Some retirement communities and tourist hotspots offer alternative transport like golf carts and shuttles, but for the most part, Florida is very car-reliant. Some college towns like Gainesville and Tallahassee have convenient bus routes, but for the most part, the state is very car-reliant. In some Florida cities, though, golf carts are the preferred mode of transportation — The Villages and Sun City Center, popular retirement communities, for instance, allow only golf carts on most streets. Heavy tourist areas like Orlando offer shuttle service between popular destinations, but it’s hard to get around without a car outside those areas.
Pro: No State Income Tax
If you’re unhappy with your current tax burden, moving to Florida might be a great solution. Florida has no state income tax and a relatively low sales tax of 6% (with some local variations). When considering income, sales, and property taxes, Florida ranks as having the sixth-lowest overall tax burden in the nation in 2024, making it an attractive option for many potential residents.
Con: High Insurance Rates
The state is among the most expensive for auto insurance , and because of Florida’s geography and climate, natural disasters have contributed to high home insurance costs (hello, hurricane season). Homeowners in Florida pay annual premiums that are nearly four times the national average, though renters face only slightly higher rates.
Homeowners pay premiums nearly four times the national average , with a heavy reliance on reinsurance. (Think of reinsurance like insurance for insurance companies.) These firms have hiked their premiums by 30 to 40 percent in recent years — especially with looming hurricane threats — and the market is taking the hit. Renters aren’t facing quite the same issues, though. Rates for rental insurance are only about 3 percent higher than the national average here, meaning you’ll pay an average of $152 a year rather than $148.
Pro: Resident Discounts
Florida residents can enjoy a variety of perks, such as discounts on tickets to the state’s top attractions, including Orlando’s Universal Studios , Busch Gardens , Adventure Island in Tampa, and even the coveted Disney parks . Additionally, many retailers and restaurants offer special deals to encourage locals to brave the tourist crowds and support the state economy.
Con: Higher-than-Average Home Prices
The average home price in Florida is nearly $400,000, higher than the national average. And while it’s certainly more affordable than in states like California, the housing market in coastal cities like Miami and Fort Lauderdale are particularly expensive, though places like St. Petersburg offer more affordable options without sacrificing amenities. Certain areas in Florida, like St. Petersburg on the West Coast, are affordable without skimping on the same great amenities.
Among the pros of living in Saint Petersburg are easy access to Tampa, close proximity to beautiful Gulf Coast beaches, delectable dining options, and a diverse arts and culture scene. And if you want to escape cities altogether, small towns in Florida offer even better home prices.
Pro: Attractive Overall Cost of Living
Despite high housing costs, Florida’s overall cost of living is just slightly above the national average. The national cost of living index is 100, while Florida’s score is 103.1.
Potentially Dangerous Wildlife
Florida’s biodiversity includes over 40 species of snakes and numerous alligators. While most wildlife is not aggressive, caution is advised. Pet owners should be particularly vigilant due to the presence of toxic toads and predatory animals.
In addition to snakes, you’ll also be living near alligators. While they are generally not aggressive toward people, careless human behavior can lead to serious injury or even death. Alligators can run at speeds of nearly 25 miles per hour, so don’t believe the myth about running in a zigzag. The bottom line is: if you see a gator, give it plenty of space.
You’ll also encounter mosquitoes, fire ants, and palmetto bugs, no matter how hard you try to avoid them. These critters are simply part of life in Florida!
Pro: It’s a Gardening Paradise
Florida boasts fertile soil and long growing seasons, making it perfect for cultivating a variety of crops. Oranges take the top spot, with over 60% of all U.S. oranges grown here . The state also produces an abundance of other vegetables and fruits, including tomatoes, peppers, and strawberries. Plant City , in fact, is renowned as the Winter Strawberry Capital of the World.
Con: Hazardous Weather
Florida’s weather can be intense, with frequent storms, flooding, and hurricanes. It’s important to research flood zones and prepare for natural disasters. Florida is prone to intense storms and flooding, and it can be stressful to live there during the seasons when those weather events are common — which, thanks to climate change, is increasingly almost year-round. Flash floods and water damage can be incredibly dangerous and unpredictable, so we advise you to research your potential home’s flood zone ahead of time. And then there’s hurricane season , from June 1 through Nov. 30. Find out what needs to be in your hurricane kit — and don’t delay making a plan for where you’ll go if you need to evacuate. As for insurance, most policies come with a hurricane deductible , so be sure to check that out.
Pro: You Can Easily Admire the Gorgeous Flora and Fauna
Florida is a nature lover’s paradise. Its diverse landscapes, including forests, wetlands, swamps, coral reefs, and beaches, provide habitats for a wide variety of animals and plants. Popular flowers in Florida include lantana, hibiscus, and blue daze, and the state is home to numerous tree species that offer crucial habitats for wildlife and much-needed shade.
Bird-watchers will find Florida to be a haven, with species like herons, pelicans, roseate spoonbills, and many other iconic birds scattered across the state. The Florida Birding Trail , a network of over 500 prime bird-watching sites from coast to coast, is a must-see. The Everglades is another stunning destination, rich in wildlife to observe and explore—just remember not to feed the alligators!
Con: Lack of Seasonal Changes
In Florida, the changing seasons can be divided into two main periods: hurricane season (June through November) and the cooler months when mornings and evenings dip below 80 degrees (December through May). If you enjoy snow, springtime blooms, and vibrant fall foliage, you might miss the traditional seasonal changes in Florida.
The state is known for its mild climate year-round, with only slight temperature drops in some areas (you might even see frozen iguanas occasionally). Summer temperatures often exceed 90 degrees, and the high humidity can make it uncomfortable to be outside for extended periods.
You Can Enjoy the Best Beaches in the Country
Gorgeous beaches are one of the main reasons people move to Florida, ranging from the Gulf Coast’s sugar-soft sands to the tropical atmosphere of Key West. Some of the most family-friendly beaches include Panama City Beach, Clearwater Beach, and Palm Beach. With its mix of pros and cons, living in Florida can be a dream for some and a challenge for others. Assessing your lifestyle and preferences is crucial to determining if the Sunshine State is the right place for you.
Florida offers a unique lifestyle brimming with sunshine, cultural diversity, and endless recreational opportunities. From financial perks and beautiful beaches to diverse wildlife and occasional extreme weather, the state presents both benefits and challenges. Understanding these factors and how they align with your personal preferences and lifestyle is essential for making an informed decision about moving to Florida. Whether you’re drawn by the lack of state income tax, the allure of outdoor activities, or the vibrant cultural scene, Florida has something for everyone.
If you’ve decided to move to Florida and have portable storage needs, get in touch with My Stack Box. We provide convenient, portable storage solutions delivered right to your driveway, allowing you to pack and load at your own pace. With a variety of container sizes and one month’s storage included, My Stack Bo x makes your move to Florida easy and stress-free. Contact Us today to discuss your moving or storage needs.