IL to FL — the tax math, the equity picture, and the First Coast communities that fit IL buyers
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Talk to a Specialist →Illinois has a flat 4.95% income tax with no retirement income exclusion and no Social Security exemption. Florida has zero. A couple drawing $100K from IRAs in Illinois pays approximately $4,950/year in state income tax. In Florida, zero. Combined property tax and income tax savings for Chicago suburb buyers are often $8,000–$15,000/year — among the strongest financial cases we see.
Illinois / Chicago suburb buyers respond strongly to Del Webb brand recognition and typically have enough equity for Del Webb Nocatee at mid-range pricing. Del Webb Nocatee and Del Webb Ponte Vedra are the most common landing spots. Buyers from further suburbs with more modest equity frequently choose Del Webb eTown.
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Florida's Save Our Homes amendment caps your assessed value growth at 3%/year after year one of primary residency. This is the most powerful long-term property tax protection in any state we cover. Buyers from Illinois — where assessed values typically track market values — will find this cap produces significant compounding tax savings over a 15–20 year retirement horizon.
Tell us your Illinois home value and target community — we will run the full comparison for your situation.
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