Retirement in
South Florida
America's #1 retirement destination for good reason. Zero state income tax, world-class healthcare, a vibrant active lifestyle, and nearly perfect weather year-round. Here's everything you need to plan your move.
77°F
Average Year-Round Temperature
#1
Retirement State in the US
$0
State Tax on Social Security
900+
Miles of Beautiful Coastline
Financial Benefits
Tax Advantages for Florida Retirees
A retired couple moving from New York to Florida can save $15,000–$40,000 or more per year depending on income sources and assets.
Social Security Benefits
Tax-Free at State Level
Florida does not tax Social Security income. Most northern states do.
IRA / 401(k) Distributions
Tax-Free at State Level
No Florida income tax means retirement account withdrawals are only taxed federally.
Pension Income
Tax-Free at State Level
Government, military, and private pensions — all free from Florida state taxation.
Investment / Dividend Income
Tax-Free at State Level
Dividends, interest, and capital gains — zero Florida state tax on all of it.
Estate / Inheritance Tax
No Florida Estate Tax
Florida has no estate or inheritance tax. Federal exemption is $13.6M per individual (2026).
Homestead Exemption
Up to $50,000 Off Assessed Value
Plus the Save Our Homes cap limits assessment increases to 3%/year.
Active Adult Living
Top 55+ Communities
South Florida has some of the nation's most diverse active adult communities — from affordable condo villages to ultra-luxury golf club estates.
Century Village — Deerfield Beach
55+ Condo Community
$120,000–$350,000
One of Broward's most established 55+ communities. Buses, pools, tennis, social events, and a fully staffed clubhouse. Very active snowbird population.
Century Village — Boca Raton
55+ Condo Community
$150,000–$450,000
Larger and more upscale than the Deerfield campus. Golf courses, theater, full amenities. A favorite for New York and New Jersey retirees.
Century Village — West Palm Beach
55+ Condo Community
$100,000–$300,000
Most affordable of the Century Village campuses. Strong Jewish community. Close to Norton Museum and Kravis Center.
Kings Point — Delray Beach
55+ Gated Community
$200,000–$500,000
Manned gate, expansive clubhouse, indoor and outdoor pools, 18-hole golf. One of Palm Beach County's premier active adult communities.
Boca West Country Club
Luxury 55+ (All Ages Allowed)
$400,000–$2.5M
Forbes Top 50 Private Club. 4 championship golf courses, 31 tennis courts, spa, multiple restaurants. Membership required.
Pelican Landing — Pompano Beach
55+ Waterfront Community
$250,000–$700,000
Intracoastal and marina access. Boating community with boat slips, pools, and fitness center. Minutes from Pompano Beach Pier.
Del Webb at Tradition (Port St. Lucie)
Active Adult New Construction
$350,000–$600,000
New construction north of Palm Beach County. Resort-style amenities, pickleball courts, and Del Webb's signature activity programming.
World-Class Medical Care
Healthcare in South Florida
Cleveland Clinic Florida
Weston (Broward)
One of America's top-rated hospitals. Heart and vascular, cancer, and neurology centers of excellence.
Memorial Healthcare System
Hollywood / Pembroke Pines
Largest public health system in Broward County. 6 hospitals, A-rated by The Leapfrog Group.
Broward Health
Fort Lauderdale / Pompano Beach / Deerfield
4 hospitals across Broward. Broward Health North is closest to Pompano Beach.
Boca Raton Regional Hospital (Baptist Health)
Boca Raton
Recognized for orthopedics and oncology. Full cancer center and cardiac care.
JFK Medical Center
Atlantis (Palm Beach County)
Comprehensive Level II Trauma Center and regional hospital serving central Palm Beach County.
Palm Beach Gardens Medical Center
Palm Beach Gardens
Strong cardiac, orthopedic, and emergency services in northern Palm Beach County.
Medicare in Florida
Medicare and Supplemental Coverage
South Florida is one of the best markets in the country for Medicare Advantage plans due to the high density of participating providers. As of 2026, Broward and Palm Beach counties have 50+ Medicare Advantage plan options.
Open Enrollment: October 15 – December 7. Plans take effect January 1.
Top Carriers: Humana, UnitedHealthcare, Aetna, and AvMed all have strong South Florida networks.
SHIP (State Health Insurance Assistance Program): Florida's free Medicare counseling program. Call 1-800-963-5337.
🎾 The Lifestyle: Pickleball is everywhere.
South Florida has hundreds of pickleball courts, bocce clubs, golf leagues, book clubs, and social organizations specifically for the 55+ community. The social life here is genuinely exceptional — many retirees say it's the most active they've ever been.
Ready to plan your Florida retirement?
Jacob Edri specializes in helping retirees from New York, New Jersey, Illinois, and beyond find the perfect South Florida community for the next chapter of their lives.
Talk to Jacob