Moving from Florida to the Phoenix area is a big change in climate, costs and daily routine, and whether it works out financially depends on your own income, home equity and plans. This guide is a planning checklist rather than a sales pitch: it shows where to find the official numbers, which questions to take to your CPA and lender, and how to build a short list of Phoenix-area neighborhoods that fit how you live.
1. Income tax: Florida has none, so compare the whole picture
Florida does not impose a personal income tax (Florida Department of Revenue, personal income tax FAQ, accessed November 2, 2026). Moving to Arizona means moving to a state that does tax individual income. Arizona taxes individual income at a flat 2.5% for tax year 2023 and later (Arizona Department of Revenue, accessed November 2, 2026).
What to do: ask your CPA to estimate what an Arizona return would look like for your income, deductions and retirement income, and to plan around the year you change residency. Rental income from a Florida property you keep and the sale of your Florida home each change the answer.
2. Property tax and the home you buy
Property tax depends on the specific property. For a home in the Phoenix area, look up the parcel on the Maricopa County Assessor site (or the Pinal County Assessor for parcels there) and ask for the current tax bill in the listing or from the title company. New-construction communities can also carry special district assessments; ask for those in writing. For your current home, use your own county's tax bill as the comparison point.
3. Housing: compare current listings and monthly cost
Prices change month to month, so this guide does not quote averages. Instead:
- Get a current list of homes that match your must-haves (size, single-story, pool, lot, HOA or not) in two or three areas.
- Compare total monthly ownership cost, not just price: mortgage, property tax, homeowners insurance, HOA dues and any special district assessment.
- If you're selling in Florida, get a net-proceeds estimate there first so your Arizona budget is based on real numbers.
- Loan amounts above the 2026 conforming limit of $832,750 in Maricopa and Pinal counties need jumbo financing (FHFA); ask your lender which applies to your price range.
4. Schools: verify assignment by address
Public schools in Florida are organized by local school district, and the Phoenix area has many separate districts plus charter and open-enrollment options. The assigned school depends on the exact address. Before you write an offer, confirm the school assignment with the district's boundary tool or office, and check enrollment and open-enrollment rules if a particular school matters to you.
5. Climate and daily life
The Phoenix area is a hot desert with a long summer, with a different climate from Florida. Plan the move date, the first summer's cooling costs and outdoor routines around it. Use National Weather Service Phoenix climate data for the months you care about rather than general descriptions, and check the home's AC age and roof condition during inspection.
6. Getting back home
If you'll be heading back to Florida for family or holidays, think about how often you'll travel and which airport you'll use. Flight schedules and fares change, so check current nonstop options from Phoenix Sky Harbor before you choose a part of town. Drive time to the airport varies across the metro, so map it from each neighborhood on your shortlist at the times you'd actually travel.
7. Build a neighborhood shortlist
There's no single neighborhood that fits everyone coming from Florida. Start with how you want to live, then match areas to it:
- Walkable, restaurants and activity: compare Scottsdale and Tempe areas.
- Newer homes and master-planned amenities: compare Gilbert, Queen Creek and parts of Mesa and Chandler; see the East Valley new construction guide.
- Established neighborhoods and larger lots: compare parts of Mesa, Chandler and Phoenix.
- Active-adult (55+) communities: see the East Valley 55+ communities guide.
Tell Ryan your budget, must-haves and timeline and he'll send a shortlist of areas and current homes to compare. For the bigger picture, see the Arizona relocation guide.
Frequently Asked Questions: Florida to Phoenix
Ryan Moxley is a REALTOR® with My Home Group (ADRE SA643872000), who helps buyers relocating from Florida compare Phoenix-area neighborhoods. Contact Ryan at (480) 227-9143 or ryan@moxleycollective.com.