Florida vs Tennessee: take-home pay and taxes
On a $75,000 salary you take home $61,593 a year in Florida and $61,593 in Tennessee — $0 more in Tennessee. But prices are about 13% higher in Florida, so moving from Florida to Tennessee on the same take-home after prices takes $65,385.
| Per year | Offer A · Florida | Offer B · Tennessee |
|---|---|---|
| Pay (salary and bonus) | $75,000 | $75,000 |
| Federal income tax | −$7,670 | −$7,670 |
| Social Security and Medicare | −$5,737 | −$5,737 |
| State and local taxes | $0 | $0 |
| Take-home | $61,593 | $61,593 |
| Offer value (take-home + match + benefits − commute) | $61,593 | $61,593 |
| Price level (U.S. = 100) | 103.4 | 91.9 |
| Value in U.S.-average prices | $59,559 | $67,043 |
Price level is BEA's Regional Price Parity for the state — what the same things cost there compared with the U.S. average, housing included. It's an average for the whole state, not a budget. The matching salary keeps Offer A's take-home after prices, with the same W-4 and no 401(k) or benefits.
Take-home pay in Florida and Tennessee
| Salary | Florida take-home | Tennessee take-home | Florida state taxes | Tennessee state taxes | Tennessee vs Florida |
|---|---|---|---|---|---|
| $50,000 | $42,355 | $42,355 | $0 | $0 | +$0 |
| $75,000 | $61,593 | $61,593 | $0 | $0 | +$0 |
| $100,000 | $79,180 | $79,180 | $0 | $0 | +$0 |
| $150,000 | $113,791 | $113,791 | $0 | $0 | +$0 |
| $200,000 | $148,927 | $148,927 | $0 | $0 | +$0 |
A year. Single filer, paid every two weeks, standard W-4, each state's default form choices, no 401(k) or benefits. Federal tax, Social Security and Medicare are the same in both; the whole difference is state and local tax and state payroll premiums.
What makes up the difference
- Florida: no state income tax on wages — $0 a year on $75,000.
- Tennessee: no state income tax on wages — $0 a year on $75,000.
The salary you'd need to move
| Salary now | Florida → Tennessee: same take-home | … after prices | Tennessee → Florida: same take-home | … after prices |
|---|---|---|---|---|
| $60,000 | $60,000 | $52,999 | $60,000 | $68,076 |
| $75,000 | $75,000 | $65,385 | $75,000 | $86,001 |
| $100,000 | $100,000 | $87,436 | $100,000 | $114,143 |
"After prices" uses the Bureau of Economic Analysis's Regional Price Parities for 2024: Florida 103.4, Tennessee 91.9 (U.S. = 100). Housing is most of the gap — rents are 122.1 in Florida and 79.1 in Tennessee on the same scale. These are state averages: a big city can cost well above its state's figure. See what rent fits in Florida and Tennessee. On $75,000, the reverse move — Tennessee to Florida — needs $86,001 for the same take-home after prices; Tennessee is the cheaper state.
Who moves between them
About 18,526 people moved from Florida to Tennessee and 16,211 from Tennessee to Florida in 2024, according to the Census Bureau's American Community Survey — one of the 40 busiest pairs of states we cover. Survey estimates have margins of error.
If you move: your W-4 and state forms
Your federal W-4 doesn't change with the state. Tennessee has no income tax on wages, so there's no state withholding form to fill in there. If you move mid-year, Tennessee taxes the part of the year you lived there. Working remotely for an employer in the other state has its own rules — see the moving between states tax guide.
How it's worked out
- Take-home in each state from the same engine as our paycheck calculators: IRS Publication 15-T (2026), Social Security and Medicare, and each state's own withholding formula, payroll premiums and default form choices.
- Prices from the Bureau of Economic Analysis's Regional Price Parities for 2024 (released 2026-02-19): each state's price level for everyday spending, with the U.S. at 100. Dividing take-home by it puts both offers in the same dollars.
- The matching salary is found by searching salaries in the second state until its take-home, after prices, equals the first — to the cent.
More comparisons
Florida paycheck calculator · Tennessee paycheck calculator · Job offer comparison · Salary needed to move · Florida vs Texas · Florida vs Georgia · Florida vs New York · Florida vs North Carolina · Florida vs Pennsylvania · Florida vs Virginia · California vs Florida · Florida vs Ohio · Florida vs Michigan · Florida vs Illinois · Florida vs New Jersey
Sources
- BEA — Real Personal Consumption Expenditures by State and Real Personal Income by State, 2024 (Feb 19, 2026) — Regional Price Parities: California 110.7, Hawaii 110.0, D.C. 109.9, New Jersey 108.8 highest; Arkansas 86.9 lowest; full table SARPP in BEA's interactive data (checked 2026-09-27)
- FRED (St. Louis Fed) — 2024 Regional Price Parities by State (BEA data) — all items, goods, rents and other services for every state and D.C. (checked 2026-09-27)
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide — Social Security and Medicare rates
- Social Security Administration — 2026 wage base of $184,500
- U.S. Census Bureau — State-to-State Migration Flows, 2024 (ACS 1-year, Table 1) — movers age 1 and over by current state and state of residence one year earlier; estimates with margins of error (checked 2026-09-27)
- Florida Department of Revenue — Florida does not tax personal income
- Tennessee Department of Revenue — GEN-34 Income Tax Withholding — no state income tax on earned income and no withholding requirements
Questions
Do you take home more in Florida or Tennessee?
In Tennessee: $0 more a year on $75,000 (single filer). Florida state taxes are $0 and Tennessee's $0 on that salary.
What salary in Tennessee equals $75,000 in Florida?
$75,000 for the same take-home pay, or $65,385 for the same take-home after prices (BEA Regional Price Parities: Florida 103.4, Tennessee 91.9).
Is Florida or Tennessee cheaper to live in?
Tennessee: BEA puts prices about 13% lower there than in Florida on average, mostly because of housing. Costs vary a lot between cities within each state.