Florida Paycheck Calculator

Use Federal Pension Advisors' Florida paycheck calculator to find out your take-home pay for both salaried and hourly jobs. It helps you see how much you’ll actually take home after federal, state, and local taxes are deducted.

State

Earnings

Gross Pay Method

Gross Pay

Federal Taxes

Federal Filing Status

Dependents Amount

Other Income

Deductions

Additional Federal Withholding

Note: The results provided by this calculator are estimates and should not be considered as financial advice. For precise calculations and personalized advice, please consult with a financial professional.

Florida Taxes: An Overview

Florida is a popular choice for retirees and workers who want to avoid state income taxes because it doesn’t have any. If you move to Florida from a state with income tax, you'll likely notice a bigger paycheck since you won't have state income tax deducted. Plus, no Florida city charges local income tax, so the only taxes taken out of your paycheck will be federal.

Florida Paycheck Quick Facts:

Florida state income tax at 6%
The median household income in Florida is $67,917, based on the U.S. Census Bureau data
No cities in Florida impose local income taxes

Understanding Your Florida Paycheck

Living in Florida or other states without income tax means your employer will withhold less from your paychecks for state taxes. However, you'll still see deductions for federal taxes, including FICA (Social Security and Medicare taxes). Your employer will take out a portion of your paycheck for Social Security and Medicare and will match these contributions. If you’re self-employed, you’ll be responsible for covering both the employee and employer portions. Additionally, higher earners are subject to an extra Medicare tax that employers do not match.

The IRS recently updated Form W-4 to simplify the withholding process. The new form requires personal information, details about dependents, additional income or jobs, and specific amounts for tax credits, deductions, and annual income. These changes primarily affect people adjusting their withholdings or changing jobs.

When you check your pay stub, you won’t see any state or local income tax withheld in Florida. If you move from a state like California with income tax to Florida, your paychecks will be larger due to the absence of state income tax. This benefit might influence your decision on where to live during retirement, especially when on a fixed income.

Florida Median Household Income

Year	Median Household Income
2022	$67,917
2021	$59,734
2020	$57,763
2019	$58,368
2018	$54,644
2017	$53,086
2016	$51,176
2015	$48,825
2014	$46,140
2013	$48,532

Even though Florida doesn't have a state income tax, it's important to note that you won't escape taxes entirely. If you own a home there, you'll pay property taxes. Additionally, when you buy things, you'll be charged the state's 6% base sales tax, along with any extra county sales taxes.

Using a Florida Paycheck Calculator can also help you understand how often you get paid and how taxes will impact your take-home pay. And not only in Florida it can happen in any state like Michigan and all then in that case use Michigan paycheck calculator for Michigan.

How You Can Affect Your Florida Paycheck

If you want to increase your paycheck in Florida, you can talk to your employer about options like overtime, bonuses, commissions, and stock options. Keep in mind that while Florida doesn’t tax your supplemental wages at the state level, your employer will still withhold federal income taxes.

To reduce the amount of your paycheck that’s taxed federally, consider putting more money into your 401(k), which is a tax-advantaged retirement account. You can also contribute to a Flexible Spending Account (FSA) or a Health Savings Account (HSA) for medical expenses. Just remember that FSA funds must be used within the year and don’t carry over.

Additionally, check with your employer or HR about other tax-saving benefits, like commuter benefits, which allow you to pay for parking or public transit with pre-tax dollars.

Most Paycheck Friendly Places in Florida

Rank	County, State	Semi-Monthly Paycheck	Purchasing Power	Unemployment Rate	Income Growth	Most Paycheck Friendly Index
1	St. Johns County, FL	$2,487	2.58	2.3%	5.01%	91.98
2	Nassau County, FL	$2,487	2.25	2.5%	5.54%	89.21
3	Wakulla County, FL	$2,487	2.18	2.5%	6.17%	89.14
4	Walton County, FL	$2,487	2.01	2.6%	7.74%	89.06
5	Santa Rosa County, FL	$2,487	2.23	2.7%	4.96%	88.06
6	Clay County, FL	$2,487	2.15	2.6%	4.59%	87.21
7	Lafayette County, FL	$2,487	1.73	3.1%	9.27%	87.09
8	Union County, FL	$2,487	1.74	2.9%	7.98%	86.32
9	Martin County, FL	$2,487	1.90	2.7%	5.80%	85.99
10	Sarasota County, FL	$2,487	1.94	2.9%	5.65%	85.82
Florida		$2,487	1.7	3.1%	4.4%

Why Use a Florida Paycheck Calculator?

Understanding your take-home pay is essential for effective budgeting and financial planning. A Florida Paycheck calculator simplifies this process by accurately determining your net pay. It considers various deductions such as federal taxes, state taxes, Social Security, Medicare, and any pre-tax deductions like health insurance or retirement contributions. Using a calculator tailored to Connecticut’s tax regulations ensures that all relevant state-specific factors are included in your calculations.

Get Updated

Subscribe to our weekly updates for the latest on retirement planning, federal benefits, exclusive webinars, and more!