KY 4% flat vs FL 0%. FL saves $4,000/year. Bourbon state to beach.

By Daniel, Founder of CountryTaxCalc

Daniel has spent 5+ years researching tax systems across 95+ countries and all US states to make tax comparison accessible to everyone. For corrections, contact us.

Last Updated: April 2026

The Big Picture

๐Ÿด Kentucky

4%

Flat Tax

4% flat rate

๐ŸŒž Florida

0%

No Income Tax

Zero income tax

Typical Annual Savings

At $100,000 income:

$4,000 income

That is FL saves $333/month back in your pocket!

Tax Savings by Income Level

IncomeKY TaxFL TaxSavings10-Year
$50,000 $2,000$0FL saves $2,000$20,000
$100,000 $4,000$0FL saves $4,000$40,000
๐Ÿ’ก

Reader-supported. Learn more about our affiliate partnerships

Talk to a CPA

Taxhub

โ˜… 4.8 verified reviews  ยท  3,758 reviews

Moving KY to FL? Get a CPA for multi-state filing.

โš  Not for simple single-state returns. Free filing is fine for straightforward W-2 situations.

Get Matched โ†’

Kentucky Pros and Cons

โœ… Pros

  • Bourbon economy jobs
  • Louisville/Lexington affordable
  • 4% flat simple
  • SS exempt age 59+

โŒ Cons

  • 4% income tax
  • Louisville 2.25% local tax
  • Limited tech jobs
  • Brain drain to TN/TX

Florida Pros and Cons

โœ… Pros

  • 0% income tax
  • No retirement tax
  • Warm weather
  • No local income tax

โŒ Cons

  • Hurricane risk
  • Higher housing
  • Property insurance spike
  • Tourist economy

Frequently Asked Questions

Q: FL vs KY savings?

FL saves $4,000/year at $100K income

Related Comparisons

KY Calculator