Moving to Florida in 2026

Insurance is the #1 concern — costs are 181% above the national average. However, the market is stabilizing with new insurers entering the state. Shop around, consider wind mitigation upgrades, and factor insurance into your budget. Many buyers still save significantly overall due to zero income tax.

Yes — condos are firmly in buyer territory with 13.2 months of supply. Prices dropped 2.4% YoY to a $305K median. New condo safety regulations (post-Surfside) have increased HOA fees, but this creates negotiating opportunities for informed buyers.

Orlando, Jacksonville, and Tampa suburbs offer the best combination of schools, affordability, and amenities. Orlando is 42% cheaper than Miami. Kissimmee and Clermont are rising stars. Port St. Lucie is great for value.

International buyer activity surged 50% in 2025, primarily in Southeast Florida (Miami, Fort Lauderdale, Palm Beach). Median international sale price is $442K. Miami attracts buyers from Latin America, Canada, and Europe.

Both have zero income tax. Florida has lower property taxes (0.86% vs 1.60%) but much higher insurance costs. Florida offers beaches and a tropical lifestyle; Texas offers more land, bigger homes, and a stronger job market. Your ideal state depends on priorities.

For single-family homes, the market is approaching equilibrium (6.2 months supply). For condos, it's a buyer's market. Prices are stabilizing after years of growth. Mortgage rates are expected around 6.3%. If you've been waiting, 2026 offers more negotiating power than any year since 2019.