Compare taxes and see how much you save moving from New Hampshire to Florida
New Hampshire and Florida are two of America's most tax-friendly states — but in very different ways. New Hampshire is the only state in the contiguous US with neither income tax nor sales tax (as of 2025, following elimination of the remaining interest and dividend tax). Florida has zero income tax but charges 6% state sales tax (combined ~7%). However, New Hampshire compensates with the highest property tax rate in New England and one of the highest nationally at approximately 1.86% — on a $500,000 home, that is $9,300/year vs Florida's ~$4,450. For high earners who spend significantly (and thus pay much sales tax in other states), New Hampshire's zero sales tax is a major benefit. For homeowners at typical property values, Florida's significantly lower property tax more than offsets the sales tax advantage. Florida's insurance crisis further complicates the comparison for coastal homeowners.
No Income Tax
Interest/dividend tax eliminated Jan 2025; no sales tax; highest property tax in NE at ~1.86%
No Income Tax
6% state sales tax; property tax ~0.89%; homestead exemption available
At $100,000 income:
That is $292/month back in your pocket!
| Income | NH Tax | FL Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $0 income tax; ~$3,720 property (median $200K home × 1.86%); $0 sales tax = ~$3,720 total | $0 income tax; ~$1,560 property (median $370K × 0.89%, with homestead); ~$875 sales = ~$2,435 total | FL saves ~$1,285 for homeowners; NH saves ~$875 for renters | $12,850 |
| $75,000 | $0 income tax; ~$4,650 property (median $250K × 1.86%); $0 sales = ~$4,650 total | $0 income tax; ~$1,780 property; ~$1,300 sales = ~$3,080 total | FL saves ~$1,570 for homeowners; NH saves ~$1,300 for renters | $15,700 |
| $100,000 | $0 income tax; ~$5,580 property (median $300K × 1.86%); $0 sales = ~$5,580 total | $0 income tax; ~$2,350 property; ~$1,750 sales = ~$4,100 total (+ insurance) | FL saves ~$1,480 for homeowners on taxes; NH saves ~$1,750 for renters | $14,800 |
| $150,000 | $0 income tax; ~$7,440 property (median $400K × 1.86%); $0 sales = ~$7,440 total | $0 income tax; ~$2,900 property; ~$2,600 sales = ~$5,500 total (+ insurance) | FL saves ~$1,940 for homeowners; NH saves ~$2,600 for renters | $19,400 |
| $200,000 | $0 income tax; ~$9,300 property ($500K × 1.86%); $0 sales = ~$9,300 total | $0 income tax; ~$3,900 property; ~$3,500 sales = ~$7,400 total (+ insurance) | FL saves ~$1,900 for homeowners on taxes; NH saves ~$3,500 for renters | $19,000 |
CountryTaxCalc.com is reader-supported. When you use our partner links, we may earn a commission at no cost to you. This helps us provide free tax calculators and comparison tools. Learn more about our affiliate partnerships
★ 4.8 verified reviews · 3,758 reviews
Moving between New Hampshire and Florida? Domicile establishment, partial-year residency, and multi-state filing (especially for NH residents working in Massachusetts) require specialist guidance. Get matched with a CPA.
⚠ Not for simple single-state returns. Free filing is fine for straightforward W-2 situations.
Get Matched With a CPA →Yes, as of January 1, 2025. New Hampshire eliminated its last remaining income tax — the 4% tax on interest and dividend income (the 'Interest and Dividends Tax' or I&D Tax) — on January 1, 2025. Prior to this, New Hampshire had never taxed wages or salaries, but did tax investment income above certain thresholds. From 2025 onwards, all personal income is untaxed at the state level in New Hampshire, joining states like Florida, Texas, and Nevada with full zero income tax status. Combined with zero sales tax, New Hampshire now has the lowest total state tax burden in the eastern US.
New Hampshire funds its entire public school system and most local services through property taxes — unlike most states that use income tax, sales tax, or state transfers to fund schools. Without a broad-based income or sales tax, municipalities rely on property tax as their primary revenue source. The average effective property tax rate of approximately 1.86% is among the highest in the nation. Property taxes vary significantly by town: Manchester and Nashua have rates around 1.5–1.8%; smaller rural towns can exceed 2.5%. For prospective buyers, researching specific town rates (not just state averages) is critical.
It depends entirely on homeownership and spending patterns. For homeowners with a $400,000 home: NH property tax ~$7,440/year vs FL ~$3,560 — FL saves ~$3,880 on property tax. FL adds ~$2,800 in sales tax and ~$4,000–6,000 in insurance. Net for homeowners: NH is slightly cheaper on pure taxes; roughly comparable once insurance is factored in. For renters: NH saves ~$2,800/year on sales tax (no NH sales tax vs FL ~7%). For retirees spending from portfolios: both are excellent (both have zero income tax on investment income as of 2025). The move decision is primarily about lifestyle — Florida's climate and beaches vs New Hampshire's seasons and culture.
This is a common and legitimate strategy — many NH residents commute to Boston and Manchester (and increasingly work remotely). New Hampshire does not tax your income regardless of where it is earned. Massachusetts taxes income 'sourced' to Massachusetts — meaning MA income tax applies to income earned from Massachusetts employers (5% flat rate). However, NH residents pay no NH tax on top of that. During COVID, Massachusetts attempted to tax NH residents who worked remotely for MA employers, but the Supreme Court declined to hear a challenge. Post-COVID, remote workers for MA employers who are genuinely domiciled in NH and never physically enter MA for work may escape MA income tax. Consult a tax professional for your specific situation.
Florida has historically been the dominant retirement destination, and for good reason: warm climate, beaches, no estate tax, active retirement communities, and excellent healthcare infrastructure in South Florida. New Hampshire is an underappreciated retirement option for New Englanders: no income tax (now including investment income), proximity to family in the Northeast, four-season lifestyle, and slightly lower cost than southern New Hampshire's Boston suburbs. Financially: New Hampshire's high property tax (especially for larger homes) is the biggest disadvantage vs Florida. For retirees with smaller homes (under $350,000 property value) in a modest NH town, the total tax burden can be comparable to Florida's — and without the hurricane and insurance risk.