10 Advantages and Disadvantages of Living in Florida

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When you think of Florida, lots of images come to mind. There are the beaches, Disney World and sunshine. There are also alligators, hurricanes and well, Florida Man. So what are the advantages and disadvantages of living in Florida?

Finally, is making the move to Florida worth it? I’ll answer that for you today. I will keep my biases as low as possible since I have been here for most of my life.

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Advantages of Living in Florida

There are lots of great reasons to consider living in Florida. Here are six reasons why you may want to call the Sunshine State home. 

Fort Lauderdale Beach Florida the Advantages and Disadvantages of Living in Florida.
Fort Lauderdale, Florida

1. Lots of sunshine

If you like to get some sun, then you will have no problem in the Sunshine State. In fact, it is quite common for it to be sunny and 72 degrees during the winter. You won’t have to deal with those weeks of grey skies you can experience in most other parts of the country during the winter.

2. Some of the best beaches in the world

Looking to go to the beach? You won’t be short on great options. In fact, the majority of Floridians live close to the beach since the state is a peninsula. The Dr. Beach ratings of top beaches in America almost always have lots of Florida beaches on the list.  

Ana Maria Island in Florida
Ana Maria Island in Florida

3. Lots of entertainment options

Florida is home to Disney World, Universal Studios, Busch Gardens, South Beach, and Palm Beach. You won’t run out of things to do in Florida.

Cinderella Castle Magic Kingdom. The Advantages and Disadvantages of Living in Florida.
Walt Disney World

Best of all, since the weather is sunny year round, you will almost always have a chance to find something fun to do. 

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4. Low cost of living in some areas

Sure some parts of south Florida are pretty expensive. However, the majority of Florida can give you lots of bargains when it comes to real estate and general cost of living.

Florida modern townhome in Naples Florida

In fact, you can find some excellent bargains in north Florida. In fact, it shouldn’t be too hard to live in an area that has a lower than average cost of living. 

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5. No state income tax 

Florida has no state income tax. If you live in a high tax state like New York, New Jersey or California, you can save over 10% of your income by just moving to Florida. 

6. You won’t feel like a stranger 

Florida has people from just about every part of the world. Whether you are from New York, Pittsburgh, the UK or Germany, you are likely to find people from your hometown in Florida.

Florida sunset at beach with people on pier

This is especially true if you live in one of the major Florida cities like Miami, Tampa, Jacksonville, or Orlando. 

Disadvantages of Living in Florida

There are some other reasons why you may want to reconsider your move down to Florida. 

Kennedy Space Center in Florida

1. Humidity 

Yes, Florida can get hot. But the thing that you will have to contend with is the humidity. During the summer, the humidity can make it uncomfortable to be outside during the middle of the day. 

2. Hurricanes

Hurricanes are a fact of life in Florida. The fact is that every part of the state can be hit by a major hurricane. Since hurricane season lasts from June to the end of November, you have to be constantly prepared to evacuate if a major hurricane is headed to your area. 

Florida hurricane in Fort Lauderdale 2012

3. Some slow drivers on the road 

Florida has lots of older drivers on the road. So, you are going to have to get used to seeing a Toyota Avalon driving 45 miles an hour in the left lane with its blinker on. Sure you can get around these centenarian drivers. Just be sure to keep your eyes on the road. 

4. Some people in Florida are truly insane

Finally, there are some people in Florida who are just out of their minds. Here are some recent headlines from Florida. 

  • Florida man arrested for calling 911 after kitten is denied entry to a strip club
  • A Florida man chews off another man’s face
  • Florida man desperate for ride to Hooters calls 911
  • A Florida man arrested after botched castration surgery
  • Florida man busted for feeding iguanas to alligator in jail zoo

Let’s just say that you’ll want to be a little careful when you are going to live in the Sunshine State. 

Tips for Living in Florida

If you are looking to live in Florida, then you will want to check out these tips to make the most of your Sunshine State living experience. 

Florida Orange Grove

1. Check each region carefully 

Florida may be one state, however, there are many different regions with their own distinct flavor. If you are looking for a more rural living experience, then consider North Florida.

If you are looking for affordable suburban living, then the Central Florida area is ideal for you. But if you like lively nightlife and luxury shopping, then you will want to consider living in the South Florida area. 

Downtown Miami Florida at Nighttime the Advantages and Disadvantages of Living in Florida.
Downtown Miami Florida at Nighttime

2. Have a hurricane prep plan 

Living in Florida means living with hurricanes. Therefore, you will want to make sure that you have a hurricane prep plan. Here are some things that should be in your hurricane checklist:

  • Gas in vehicle
  • An evacuation plan
  • Plans for your prescription medication
  • A backup generator
  • Perishable foods
  • Proper insurance coverage

3. During the summer, reserve outdoor activity for the morning and the evening 

During the summer it will simply be too hot and humid to do anything during the middle of the day. However, the morning and the evening hours will usually be in the low to the mid 70s and quite comfortable.

Florida Manatee the Advantages and Disadvantages of Living in Florida.

So if you want to go boating or go to the beach, be sure to do it during the sunrise and the sunset hours. 

Remember: Keep track of your expenses and income on a spreadsheet or bookkeeping program such as FreshBooks.

Is living in Florida worth it? 

Overall, living in Florida will be worth it if you are looking for affordable living, year round sunshine and some fun activities.

While there are some challenges to living in Florida, you may enjoy the fact that it will be close to some great beaches and the fact that you’ll never have to dig your car out of the snow. Just watch out for Florida Man and you’ll be fine. 

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Until the next money adventure, take care from The Handy Tax Guy Team!

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Nikida Metellus

Nikida Metellus is a financial freedom advocate, author, and the reimagined voice behind ThemeParkHipster.com, now focused on helping you achieve a debt-free life and financial success. Based in Orlando, Florida, she combines her love for theme parks with actionable financial strategies, offering a unique perspective on balancing fun and finances. As the author of Complete Tax Planning Guide, she has now expanded her expertise to guide you on the road to financial freedom. Co-founder of Bramework and a coffee enthusiast at heart, Nikida is committed to empowering you with practical tips and insights to manage your money wisely. When she's not blogging or exploring Florida's attractions, she enjoys quality time with her husband and two daughters. Welcome to your journey toward a financially free life!

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