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Maryland has a state income tax of 2–5.75% plus county income tax of 2.25–3.2%. DC has income tax of 4–10.75%. Combined state+county rates in MD can reach 8–9%. The move to Florida eliminates $4,000–$10,000+/year in state/local income tax. DC metro home equity ($500K–$800K+) converts strongly into the GL Homes and new-construction tiers.
Equity Conversion
| MD/DC Home Sale | Net After Costs | PBC Option |
|---|---|---|
| $300K | ~$277K | Legacy condo ($130K) + $147K reserves, or mid-tier villa ($260K) minimal reserves |
| $500K | ~$462K | GL Homes Valencia ($450K) or Bellaggio/Cascades |
| $700K+ | ~$645K+ | Cresswind, Regency at Avenir, or Valencia Sound/Del Mar |
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What to Know
Florida has no state income tax, which benefits Maryland / DC retirees with taxable pension and investment income. Florida homeowners insurance is significantly more expensive than Maryland / DC. Property tax comparison depends on your specific home values and municipalities in both states. Run the full budget before assuming Florida is cheaper across the board.
Related Research
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