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Moving from Maryland / DC to Jacksonville

MD/DC to FL — the tax math, the equity picture, and the First Coast communities that fit MD/DC buyers

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Why Montgomery County / Howard County / Anne Arundel / DC proper Buyers Choose the First Coast

Maryland has a state income tax plus a county income tax — combined rates of 6.5–8.0% for most residents. DC's top rate is 10.75%. Florida has zero. For a couple drawing $120K in retirement income from MD, the annual income tax savings moving to FL runs $7,800–$9,600/year.

MD/DC buyers have among the highest incomes and equity in the feeder market. Del Webb Nocatee is the most common landing spot. Note: Nova55Living also covers Northern Virginia — if you are weighing VA vs FL, we can compare both markets for your specific situation.

The Property Tax Comparison

Annual Property Tax — Maryland / DC vs First Coast Florida

Current MD/DC annual property tax~$5,500–$10,000/yr on a $600K home (Montgomery, Howard, DC)
First Coast FL — primary homestead~$7,000–$8,500/yr (St. Johns County, primary homestead, $600K)
Est. annual property tax change~$0–$2,500/yr on property tax; income tax is the primary driver
These are estimates based on typical MD/DC county effective rates and St. Johns / Duval County millage with primary homestead exemption. Your actual numbers depend on your specific MD/DC county, current assessed value, home price in FL, and whether you purchase in Nocatee (CDD fees apply) or Duval County (no CDD). Consult a CPA for your specific situation.
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What $450K–$1.2M in Maryland / DC Equity Buys on the First Coast

Del Webb Nocatee →Del Webb Ponte Vedra →Del Webb eTown →

The Florida Save Our Homes Advantage

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 Maryland / DC — where assessed values typically track market values — will find this cap produces significant compounding tax savings over a 15–20 year retirement horizon.

St. Johns County Tax Guide →Nocatee CDD Fee →All First Coast Communities →

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