HI → FL Tax Savings

How Much Would You Save: Hawaii vs Florida Taxes

Hawaii taxes income up to 11%. Florida charges 0%. Compare the two side by side and see your potential savings.

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Hawaii vs Florida: Tax Comparison

See how Hawaii's tax structure compares to Florida across every major tax category.

Tax Category	Hawaii	Florida
State Income Tax	Up to 11%	0%
Capital Gains Tax	Yes	No
State Estate Tax	Yes	No
Homestead Property-Tax Relief	Check state eligibility	Available to qualifying homeowners

Your Potential Tax Savings

Estimated annual state income tax savings when moving from Hawaii to Florida, computed from Hawaii's income tax brackets for a single filer.

Annual Income

$100,000

You Could Save

$5,796/yr

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Annual Income

$150,000

You Could Save

$9,644/yr

≈ $96,440 over a decade

Annual Income

$250,000

You Could Save

$17,893/yr

Annual Income

$500,000

You Could Save

$44,210/yr

Florida residents pay 0% state income tax. The figures above run each income through Hawaii's 2026 individual income tax brackets for a single filer, after the state's standard deduction and before credits (California figures use the latest published 2025-indexed brackets). They cover state income tax only; local income taxes, filing status, and state-specific deductions can change your number. For a personalized projection, book a free consultation.Rate source: Tax Foundation 2026 State Individual Income Tax Rates and Brackets, with statutory 2026 overrides where post-publication legislation applies (Georgia HB 463, Kentucky HB 1, Ohio HB 96, Maryland BRFA 2025, North Carolina continuing decline, plus phasedowns in MS, NE, ID, MT, SC, IN, OK, UT per state DOR).

Key Tax Facts: Hawaii

What you need to know about Hawaii's tax environment before making your move.

Hawaii's top marginal individual income tax rate in this 2026 wage-income comparison is 11%. Deductions, taxable-income thresholds and credits affect the amount actually paid.

Hawaii has a state estate tax with a $5.49 million exemption.

Hawaii taxes capital gains at rates up to 7.25%.

Hawaii's extremely high cost of living compounds the burden of its high income tax rate.

What this Hawaii comparison includes

The comparison models a full year of wage income for a single filer in Hawaii. A top marginal rate is not the rate paid on every dollar. A move during the year, continuing Hawaii-source income, credits and local taxes can change the result.

Tax data used: 2026 schedule. HI Act 46 (2024) schedule (DOTAX); brackets per TF2026
Single-filer standard deduction in the model: $8,000 before any modeled income-based reduction. Personal exemptions and credits are separate; this figure is not a filing threshold.

Establishing Florida domicile does not automatically end another state's statutory residency or source-income rules. Keep a dated move record, a travel calendar and records of income connected with your former state. A mailing address or declaration alone does not determine tax residency.

Check current guidance from Hawaii Department of Taxation. Check why tax may remain due after moving.

Hawaii: separate N-15 from rental-business taxes

Hawaii uses Form N-15 for nonresidents and part-year residents. If a former home becomes a rental, the state identifies income-tax reporting and possible general excise or transient accommodations taxes as separate obligations. Keeping a Hawaii rental can therefore require more work than changing payroll withholding. This wage comparison includes none of those rental-business calculations.

Records to bring to your preparer

Dates the home changed from personal use to rental use
Rental receipts, expenses and registration records
N-15 income allocation and continuing Hawaii workdays

Hawaii taxation of residential rentals

Source checked September 17, 2026. Select instructions for the year you file; this is a planning question, not a filing determination.

Hawaii vs Florida: Side by Side

Explore the practical steps involved in moving from Hawaii to Florida.

Hawaii charges up to 11% income tax; Florida charges 0%.

Hawaii has a state estate tax; Florida does not.

Hawaii taxes capital gains at up to 7.25%; Florida has no capital gains tax.

At $200,000 of annual wage income, this model estimates $13,649 of Hawaii state income tax for a single filer, versus no Florida individual income tax. This is a full-year comparison, excludes local taxes and does not calculate a move-year return.

Plan the departure from Hawaii

Use the state migration guide to connect the calculation with residence, payroll and filing decisions. For Florida documents, follow the evidence checklist. A document package does not itself end Hawaii tax obligations.

Frequently Asked Questions

How much will I save by moving from Hawaii to Florida?

Hawaii has a top income tax rate of 11%. Florida has 0% income tax. A single filer earning $150,000 could save approximately $9,644 per year, and one earning $250,000 approximately $17,893 per year (2026 rate schedules, after Hawaii's standard deduction, state income tax only, before credits). Actual savings depend on your filing status and total income.

Hawaii: separate N-15 from rental-business taxes

Will I still owe Hawaii taxes after I move to Florida?

You may owe Hawaii tax for the resident portion of the year and on Hawaii-source income after leaving, such as rent from property there. Also check any statutory-residency and remote-work sourcing rules. Florida domicile alone does not settle these separate questions.