Moving from New York to Orlando: Costs, Areas and Homes
On Long Island and in Westchester, the typical homeowner pays $10,000 or more a year in property tax. Around Orlando, the typical bill is about $2,700 to $3,200. Then add a state income tax of 4% to 10.9%, and a city tax on top if you live in the five boroughs.
This page puts the real figures side by side, county by county, including the ones that do not flatter Florida, so you can decide with your eyes open.
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Tell Brenden when you are moving and roughly what you want to spend. He will send back the two or three areas that fit, what that budget buys in each, and how to shop from New York. No cost, no obligation.
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New York vs Central Florida, county by county
Same survey, same year, same definitions, so the comparison is fair. These are what homeowners report, not asking prices.
| Area | Median home value | Median yearly real estate tax | Median monthly owner cost (with mortgage) | Median household income |
|---|---|---|---|---|
| Nassau County, NY | $704,400 | $10,000+ | $3,697 | $143,144 |
| Suffolk County, NY | $626,300 | $10,000+ | $3,266 | $126,863 |
| Westchester County, NY | $691,100 | $10,000+ | $4,001 | $118,596 |
| Rockland County, NY | $667,500 | $10,000+ | $3,551 | $103,847 |
| Kings County (Brooklyn) | $912,500 | $6,653 | $3,560 | $81,027 |
| Queens County | $720,300 | $6,355 | $3,093 | $85,273 |
| Richmond County (Staten Island) | $682,300 | $6,234 | $2,934 | $97,911 |
| New York State | $449,800 | $6,542 | $2,544 | $85,820 |
| Orange County, FL | $432,500 | $3,227 | $2,216 | $82,152 |
| Seminole County, FL | $424,600 | $2,745 | $2,069 | $85,403 |
| Lake County, FL | $360,100 | $2,860 | $2,032 | $76,617 |
| Volusia County, FL | $353,500 | $2,696 | $1,891 | $71,508 |
| United States | $360,600 | $3,211 | $2,035 | $81,604 |
Source: US Census Bureau, American Community Survey 2024 1-year estimates, tables B25077 (median value of owner-occupied homes), B25103 (median real estate taxes paid), B25088 (median selected monthly owner costs with a mortgage) and B19013 (median household income), pulled 2026-09-16 from api.census.gov. "$10,000+" is the survey's top reporting category, so the true median is at least that.
What the income tax difference looks like
Take a married couple filing jointly with $150,000 of New York taxable income in 2025. Using New York's own rate schedules:
New York State tax: at this income New York taxes every dollar at 5.5%, so 5.5% x $150,000 = $8,250
New York City tax, if they live in the city: $3,264 plus 3.876% of the amount over $90,000 = $5,590
Florida state income tax on the same income: $0
That is roughly $8,250 a year outside New York City and Yonkers, and about $13,800 inside the city, before any property tax difference. Your own numbers depend on deductions and credits, so treat this as an illustration, not a tax estimate.
Source: New York State Department of Taxation and Finance, Instructions for Form IT-201 (2025), New York State tax computation worksheet for income over $107,650 and New York City tax rate schedule; Florida Constitution, Article VII. In the year you move, talk to a tax professional about filing as a part-year New York resident.
What homes actually sold for last month
The Census figures above are what owners estimate their homes are worth. These are real closings in Stellar MLS for August 2026.
| County | Median sale price | Closed sales | Median days on market |
|---|---|---|---|
| Orange | $425,000 | 1,367 | 34 |
| Seminole | $420,000 | 495 | 28 |
| Lake | $375,000 | 686 | 44 |
| Volusia | $340,000 | 715 | 47 |
Source: Stellar MLS via Bridge RESO API, StandardStatus Closed, PropertyType Residential, closings in August 2026, pulled 2026-09-08. One month is a snapshot, not a trend.
Wondering what a specific budget buys? See what $475,000 buys in Clermont, Winter Garden and Minneola or what $575,000 buys in Lake Mary, Winter Springs and Oviedo.
Where to start looking
It comes down to three questions: will you commute into Orlando, do you want to be near the ocean, and how much house do you want for the money.
Commuting into Orlando
East toward the coast
Areas to compare on price
For scale: over the 12 months to August 2026, Clermont's median closed price was $470,000 against $673,392 in nearby Winter Garden (Stellar MLS closed sales).
Full county-by-county breakdown, homestead rules and a buy-before-you-move plan are in the Relocating to Orlando guide. For moving-day costs, read the real costs of moving from New York to Orlando.
What New Yorkers ask
How much lower are property taxes in Orlando than in New York?
In the Census Bureau's 2024 American Community Survey, the median homeowner in Nassau, Suffolk, Westchester and Rockland counties paid $10,000 or more a year in real estate taxes, the survey's top category. In Orange, Seminole, Lake and Volusia counties the median was $2,696 to $3,227. Those medians include long-time owners whose assessments are capped by Save Our Homes. When you buy, the assessment resets to the home's just value, so a new buyer's first bill is often above the county median. Your own bill depends on the purchase value, local millage and whether you qualify for Florida's homestead exemption.
Does Florida have a state income tax?
No. Article VII, Section 5 of the Florida Constitution bars a state tax on the income of individuals. New York State taxed 2025 income at rates from 4% to 10.9%, and New York City residents paid an additional city tax of 3.078% to 3.876%.
Are incomes lower in Central Florida than in New York?
Than the New York suburbs, yes: $143,144 in Nassau and $126,863 in Suffolk, against $71,508 to $85,403 in the four Central Florida counties (Census ACS 2024). Brooklyn ($81,027) and Queens ($85,273) are in the same range as Orlando. If you will take a local job, compare the offer, not just the house. If you keep working remotely for a New York employer, New York may still tax those wages, so ask a tax professional before you count on the savings.
When does the Florida homestead exemption start if I move mid-year?
You must own the home and make it your permanent residence by January 1 to qualify for that tax year, then apply with the county property appraiser by March 1. Close in the middle of the year and your first homestead year is the next one.
Price out your move before you list in New York
Send your details and get the areas that fit, with what your budget buys in each.
Call 407-616-9019The Homes In Orlando Team | Brenden Rendo, REALTOR® | NextHome Neighborhood Realty | 407-616-9019 | brenden@homesinorlando.forsale