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Moving from New Jersey to Jacksonville

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

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Why Monmouth / Ocean / Bergen / Morris County Buyers Choose the First Coast

NJ taxes retirement income at up to 10.75%. Florida has zero state income tax. A retired NJ couple drawing $100K from IRAs saves $4,000–$8,000/year in state income tax moving to Florida.

NJ buyers typically have the highest equity of any feeder state. Del Webb Nocatee and Del Webb Ponte Vedra are the most common landing spots. Buyers who want to avoid CDD fees often choose Del Webb eTown. NJ buyers respond strongly to the Mayo Clinic argument — particularly buyers from Bergen, Monmouth, and Morris Counties who are accustomed to access to top medical centers.

The Property Tax Comparison

Annual Property Tax — New Jersey vs First Coast Florida

Current NJ annual property tax~$9,000–$16,000/yr on a $600K home (NJ effective rate 1.5–2.8%)
First Coast FL — primary homestead~$7,000–$8,500/yr (St. Johns County, primary homestead, $600K) + CDD if Nocatee
Est. annual property tax change~$500–$7,000/yr property tax savings (partially offset by CDD if Nocatee)
These are estimates based on typical NJ county effective rates and St. Johns / Duval County millage with primary homestead exemption. Your actual numbers depend on your specific NJ 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 $350K–$1.1M in New Jersey 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 New Jersey — 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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