Side-by-side state comparison

Florida vs Georgia Paycheck Comparison (2026)

Enter a salary below to see the take-home pay difference between Florida and Georgia for 2026, broken down line by line.

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Your Details

Annual Salary

$

Filing Status

Location A

State

No state income tax

Location B

State

Florida takes home more

+$4,242

more per year vs. Georgia · $353/mo · $163/paycheck

5-Year Difference

$21,208

Tax Component

Floridawinner

Georgia

Gross Salary$100,000$100,000

Federal Tax$13,170$13,170

Social Security$6,200$6,200

Medicare$1,450$1,450

State Tax$0$4,242

Local / City Tax$0$0

Annual Take-Home$79,180$74,939

Effective Tax Rate20.82%25.06%

This estimate is for planning purposes only and does not constitute tax or financial advice. Actual paycheck withholding depends on your employer's payroll system, custom W-4 elections, additional income, and personal tax situation. For specific tax-planning decisions, consult a licensed CPA or tax professional.

Quick answer

The take-home gap between Florida and Georgia at $100,000 single is about $4,242 per year, or roughly $353 per month. Florida taxes no wage income; Georgia applies a flat 4.99% state income tax (following recent rate-reduction reforms) on top of the same federal load.

Florida and Georgia sit on opposite sides of the southeastern state-tax spectrum despite sharing a long border. Florida taxes wages at zero, with state revenue resting on sales tax, tourism-related levies, and corporate franchise tax; Georgia applies a flat 4.99% state income tax that replaced its older multi-rate progressive schedule under recent reforms, with further reductions scheduled contingent on revenue benchmarks. Neither state collects employee-funded disability insurance or paid family leave. Florida runs the country's third-largest state economy on tourism (Disney, Universal, beach destinations), aerospace (Cape Canaveral, Boeing satellite operations), agriculture (citrus, sugar), and a growing fintech base around Miami. Georgia anchors a Fortune-500 cluster in Atlanta: Coca-Cola, Delta Air Lines, Home Depot, UPS, and Aflac headquarter there, alongside Hartsfield-Jackson, the busiest passenger airport in the world. Jacksonville and Brunswick sit close to the Florida line, putting a small cross-border commuter population in play. At $100,000 single, a Florida resident takes home $79,180 versus a Georgia resident's $74,939, a gap of $4,242 per year. Switch the calculator's filing status above to see the same pair under MFJ, Head of Household, or MFS.

At $100,000 single filer, take-home difference

Moving from Georgia to Florida saves approximately $4,242 per year at $100,000 single.

Computed from the tax engine with 2026 federal brackets, FICA, and state tax. Standard deduction, no pre-tax contributions.

How the state tax structures compare

Feature	Florida	Georgia
State structure	No state income tax on wages	4.99 percent flat tax
Taxes wages?	No	Yes

Take-home at four common salary points

Single filer, 2026 brackets, standard deduction, no pre-tax contributions. Delta is Georgia take-home minus Florida take-home.

Salary	Florida	Georgia	Delta
$50,000	$42,355	$40,609	-$1,746
$100,000	$79,180	$74,939	-$4,241
$150,000	$113,791	$107,055	-$6,736
$250,000	$183,182	$171,456	-$11,726

What this comparison includes

This comparison computes 2026 take-home pay in Florida and Georgia side by side, using 2026 federal brackets after the standard deduction, FICA contributions (Social Security up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), and each state's income tax schedule along with any state-administered payroll programs and supported local layers. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages. City-level taxes are layered only on the dedicated metro pages; this comparison covers state-and-typical-local figures only, so a worker considering a specific metro should follow the relevant city link in the See also section.

Florida vs Georgia FAQ

How much more is take-home in Florida than Georgia at $100,000?

At $100,000 single, a Florida resident takes home approximately $4,242 more per year than a Georgia resident, or roughly $353 per month. The driver is Georgia's flat 4.99% state income tax of $4,242; Florida has no comparable line. Federal income tax and FICA are identical at the same gross.

Does the Florida vs Georgia gap grow with salary?

Across the $50k-$250k range, the gap scales roughly linearly because Georgia uses a flat-rate structure. The spread moves from $1,747 at $50k single to $4,242 at $100k to $11,727 at $250k, growing in proportion to salary. If Georgia's scheduled rate reductions trigger, the absolute gap narrows over time at the same income.

Does this comparison include local taxes?

No. Neither Florida nor Georgia layers a city or county wage tax on top of the state line. Atlanta, Savannah, Jacksonville, Tampa, Miami, and Orlando residents all see the same state line on the pay stub. The headline numbers shown capture the complete state-and-local picture for residents of both states.

How does married filing jointly, head of household, or filing separately change the FL vs GA gap?

MFJ at $100,000 drops federal tax through wider brackets and a doubled standard deduction. Georgia's flat rate is filing-status-neutral across MFJ, HoH, and MFS, though the state standard deduction scales for MFJ, slightly softening the state line. Florida's $0 state line stays unchanged across all four statuses. The dollar gap tightens modestly under MFJ and HoH; Florida keeps the directional advantage at every status.

What about cost-of-living differences between Florida and Georgia?

Cost-of-living swings matter more than the tax delta in most cases. Compare metro-level rent and home-price indices alongside the paycheck gap: Atlanta's housing has climbed sharply over the past decade, while Florida coastal markets carry hurricane-insurance premiums that have risen even faster. Match each side at the specific metros you're weighing.

How does FL vs GA compare to other southeastern pairs?

Another natural comparison is Florida vs Texas. The mechanics overlap (both no-tax states) but the cost-of-living context differs: Texas inland metros undercut Florida coastal markets on housing, while Florida holds property tax benchmarks lower than Texas in many counties. For a low-tax-state alternative, see Tennessee vs Georgia, which produces a smaller paycheck gap than FL/GA.

How This Page Is Reviewed

The Florida vs Georgia comparison is reviewed against primary federal and state sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-07-10

Primary sources