DC to Florida - Where to look?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:By all means, move to Florida. But don’t expect tax or any other savings. At your anticipated house price, you’ll pay $35,000 in real estate taxes in the South Florida metro area. Almost equal amount in insurance. Two cars minimum, insurance, gas. High healthcare costs (if you need it). So while you might enjoy the climate change, you won’t save money.

You’ll thank me for this revelation.

NP
I’m puzzled by your “high healthcare costs” and other claims. We’ve not noticed any discernible difference on healthcare costs between DC and FL. Some people even use concierge medicine with fixed pricing that eliminates surprise billing, telemedicine, no wait times, next day appts. We also have EVs and our State Farm car insurance rates have dropped from DC. We’re in Indian River County and the taxes are nowhere near $35K. My MIL lives in Boca and her taxes are nowhere near that figure, either. She just bought, too.

You sound like you have some strange investment/motivation or more likely, you’re just jealous.

The people on the DCUM real estate forum have this strange fear of Florida, despite having spent no time here and having no first hand knowledge of what it's like to live here. They hear about people moving down here, and it stresses them out that people may be having a better life than them, so they dig in their heels to make up nonsensical reasons to hate Florida, most of which aren't based in fact. These threads often devolve into them saying stuff like "I could never live there because of the alligators". Which is when you know they're arguing in bad faith.

+1 DP here and this is so true. They're livid that someone eschews liberal areas in favor of living in a red state. It's so important to their political identity to believe that red states can't be good places to live. So alligators and daily access to late-term abortions become "concerns" along with making up lies about the COL.

[Anonymous]

I’m all for OP moving to Florida if they want to live there for any reason including politics, but there are some important factors that make Florida an expensive place to live so you can’t look at just the income tax part of the equation.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:By all means, move to Florida. But don’t expect tax or any other savings. At your anticipated house price, you’ll pay $35,000 in real estate taxes in the South Florida metro area. Almost equal amount in insurance. Two cars minimum, insurance, gas. High healthcare costs (if you need it). So while you might enjoy the climate change, you won’t save money.

You’ll thank me for this revelation.

NP
I’m puzzled by your “high healthcare costs” and other claims. We’ve not noticed any discernible difference on healthcare costs between DC and FL. Some people even use concierge medicine with fixed pricing that eliminates surprise billing, telemedicine, no wait times, next day appts. We also have EVs and our State Farm car insurance rates have dropped from DC. We’re in Indian River County and the taxes are nowhere near $35K. My MIL lives in Boca and her taxes are nowhere near that figure, either. She just bought, too.

You sound like you have some strange investment/motivation or more likely, you’re just jealous.

The people on the DCUM real estate forum have this strange fear of Florida, despite having spent no time here and having no first hand knowledge of what it's like to live here. They hear about people moving down here, and it stresses them out that people may be having a better life than them, so they dig in their heels to make up nonsensical reasons to hate Florida, most of which aren't based in fact. These threads often devolve into them saying stuff like "I could never live there because of the alligators". Which is when you know they're arguing in bad faith.

+1 DP here and this is so true. They're livid that someone eschews liberal areas in favor of living in a red state. It's so important to their political identity to believe that red states can't be good places to live. So alligators and daily access to late-term abortions become "concerns" along with making up lies about the COL.

I’m thrilled for people to move to Florida, I’ve just never liked it there. It’s okay for warmth in the winter. I don’t like the vibe. But why would I care if other people go? All I want is for them to not make it so nutso that I can’t move there when I’m old if it is suddenly appealing. Old people have cold bones.

[Anonymous]

Anonymous wrote:

Anonymous wrote:By all means, move to Florida. But don’t expect tax or any other savings. At your anticipated house price, you’ll pay $35,000 in real estate taxes in the South Florida metro area. Almost equal amount in insurance. Two cars minimum, insurance, gas. High healthcare costs (if you need it). So while you might enjoy the climate change, you won’t save money.

You’ll thank me for this revelation.

NP
I’m puzzled by your “high healthcare costs” and other claims. We’ve not noticed any discernible difference on healthcare costs between DC and FL. Some people even use concierge medicine with fixed pricing that eliminates surprise billing, telemedicine, no wait times, next day appts. We also have EVs and our State Farm car insurance rates have dropped from DC. We’re in Indian River County and the taxes are nowhere near $35K. My MIL lives in Boca and her taxes are nowhere near that figure, either. She just bought, too.

You sound like you have some strange investment/motivation or more likely, you’re just jealous.

Recent CCMD transplant. We relocated to south Florida and there is a lot of truth to how expensive PP is suggesting.
I’m 2 miles from the beach and near downtown. My taxes are 25k, my house insurance is 9k (with a 50k hurricane deductible), my car insurance is double. I don’t see difference in health care costs but groceries are more money. Gas is not.
At the end of the day, it’s not cheap to live here or in the desirable places across the state. You may get “more” for your money (different way of living), but I would never say it’s a LCOL.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Atlantic Beach, FL. There’s a Mayo Clinic in Jacksonville, lots of healthcare support, retirement living, and some change of seasons. There is also the newer area of Nocatee. It is more tucked away, about an hour to the airport and 20 minutes to the beach.

This is a good recommendation. Ponte Vedra is great, too. I think Jax is relatively underrated, which means it should get expensive soon with all the FL growth.

For people familiar with the JAX / Amelia Island area...any thoughts on Southern, GA beach areas that literally border Amelia Island?

Wondering if homeowners' insurance rates are any different, property tax rate comparison, etc.? Are the areas comparable in terms of quaint towns (e.g., is there a Fernandina Beach equivalent?)?

[Anonymous]

Anonymous wrote:Yuck, be a better person

Screw you.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:By all means, move to Florida. But don’t expect tax or any other savings. At your anticipated house price, you’ll pay $35,000 in real estate taxes in the South Florida metro area. Almost equal amount in insurance. Two cars minimum, insurance, gas. High healthcare costs (if you need it). So while you might enjoy the climate change, you won’t save money.

You’ll thank me for this revelation.

NP
I’m puzzled by your “high healthcare costs” and other claims. We’ve not noticed any discernible difference on healthcare costs between DC and FL. Some people even use concierge medicine with fixed pricing that eliminates surprise billing, telemedicine, no wait times, next day appts. We also have EVs and our State Farm car insurance rates have dropped from DC. We’re in Indian River County and the taxes are nowhere near $35K. My MIL lives in Boca and her taxes are nowhere near that figure, either. She just bought, too.

You sound like you have some strange investment/motivation or more likely, you’re just jealous.

The people on the DCUM real estate forum have this strange fear of Florida, despite having spent no time here and having no first hand knowledge of what it's like to live here. They hear about people moving down here, and it stresses them out that people may be having a better life than them, so they dig in their heels to make up nonsensical reasons to hate Florida, most of which aren't based in fact. These threads often devolve into them saying stuff like "I could never live there because of the alligators". Which is when you know they're arguing in bad faith.

Incorrect. I moved there and moved right back within 8 months. High crime rate, crazy drivers/unsafe roads (witnessed a lot of accidents), prevalent fraud, lazy people - felt like a different country.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:By all means, move to Florida. But don’t expect tax or any other savings. At your anticipated house price, you’ll pay $35,000 in real estate taxes in the South Florida metro area. Almost equal amount in insurance. Two cars minimum, insurance, gas. High healthcare costs (if you need it). So while you might enjoy the climate change, you won’t save money.

You’ll thank me for this revelation.

NP
I’m puzzled by your “high healthcare costs” and other claims. We’ve not noticed any discernible difference on healthcare costs between DC and FL. Some people even use concierge medicine with fixed pricing that eliminates surprise billing, telemedicine, no wait times, next day appts. We also have EVs and our State Farm car insurance rates have dropped from DC. We’re in Indian River County and the taxes are nowhere near $35K. My MIL lives in Boca and her taxes are nowhere near that figure, either. She just bought, too.

You sound like you have some strange investment/motivation or more likely, you’re just jealous.

The people on the DCUM real estate forum have this strange fear of Florida, despite having spent no time here and having no first hand knowledge of what it's like to live here. They hear about people moving down here, and it stresses them out that people may be having a better life than them, so they dig in their heels to make up nonsensical reasons to hate Florida, most of which aren't based in fact. These threads often devolve into them saying stuff like "I could never live there because of the alligators". Which is when you know they're arguing in bad faith.

Incorrect. I moved there and moved right back within 8 months. High crime rate, crazy drivers/unsafe roads (witnessed a lot of accidents), prevalent fraud, lazy people - felt like a different country.

You moved to the wrong part of the state. Parts of Florida that attract transplants can be really transient and not very nice. You have to know where to look.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:By all means, move to Florida. But don’t expect tax or any other savings. At your anticipated house price, you’ll pay $35,000 in real estate taxes in the South Florida metro area. Almost equal amount in insurance. Two cars minimum, insurance, gas. High healthcare costs (if you need it). So while you might enjoy the climate change, you won’t save money.

You’ll thank me for this revelation.

NP
I’m puzzled by your “high healthcare costs” and other claims. We’ve not noticed any discernible difference on healthcare costs between DC and FL. Some people even use concierge medicine with fixed pricing that eliminates surprise billing, telemedicine, no wait times, next day appts. We also have EVs and our State Farm car insurance rates have dropped from DC. We’re in Indian River County and the taxes are nowhere near $35K. My MIL lives in Boca and her taxes are nowhere near that figure, either. She just bought, too.

You sound like you have some strange investment/motivation or more likely, you’re just jealous.

The people on the DCUM real estate forum have this strange fear of Florida, despite having spent no time here and having no first hand knowledge of what it's like to live here. They hear about people moving down here, and it stresses them out that people may be having a better life than them, so they dig in their heels to make up nonsensical reasons to hate Florida, most of which aren't based in fact. These threads often devolve into them saying stuff like "I could never live there because of the alligators". Which is when you know they're arguing in bad faith.

Incorrect. I moved there and moved right back within 8 months. High crime rate, crazy drivers/unsafe roads (witnessed a lot of accidents), prevalent fraud, lazy people - felt like a different country.

You just described DC.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:By all means, move to Florida. But don’t expect tax or any other savings. At your anticipated house price, you’ll pay $35,000 in real estate taxes in the South Florida metro area. Almost equal amount in insurance. Two cars minimum, insurance, gas. High healthcare costs (if you need it). So while you might enjoy the climate change, you won’t save money.

You’ll thank me for this revelation.

NP
I’m puzzled by your “high healthcare costs” and other claims. We’ve not noticed any discernible difference on healthcare costs between DC and FL. Some people even use concierge medicine with fixed pricing that eliminates surprise billing, telemedicine, no wait times, next day appts. We also have EVs and our State Farm car insurance rates have dropped from DC. We’re in Indian River County and the taxes are nowhere near $35K. My MIL lives in Boca and her taxes are nowhere near that figure, either. She just bought, too.

You sound like you have some strange investment/motivation or more likely, you’re just jealous.

The people on the DCUM real estate forum have this strange fear of Florida, despite having spent no time here and having no first hand knowledge of what it's like to live here. They hear about people moving down here, and it stresses them out that people may be having a better life than them, so they dig in their heels to make up nonsensical reasons to hate Florida, most of which aren't based in fact. These threads often devolve into them saying stuff like "I could never live there because of the alligators". Which is when you know they're arguing in bad faith.

Incorrect. I moved there and moved right back within 8 months. High crime rate, crazy drivers/unsafe roads (witnessed a lot of accidents), prevalent fraud, lazy people - felt like a different country.

You just described DC.

Yes, part of DC is like that. On the other hand, most of Florida is like this.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:By all means, move to Florida. But don’t expect tax or any other savings. At your anticipated house price, you’ll pay $35,000 in real estate taxes in the South Florida metro area. Almost equal amount in insurance. Two cars minimum, insurance, gas. High healthcare costs (if you need it). So while you might enjoy the climate change, you won’t save money.

You’ll thank me for this revelation.

NP
I’m puzzled by your “high healthcare costs” and other claims. We’ve not noticed any discernible difference on healthcare costs between DC and FL. Some people even use concierge medicine with fixed pricing that eliminates surprise billing, telemedicine, no wait times, next day appts. We also have EVs and our State Farm car insurance rates have dropped from DC. We’re in Indian River County and the taxes are nowhere near $35K. My MIL lives in Boca and her taxes are nowhere near that figure, either. She just bought, too.

You sound like you have some strange investment/motivation or more likely, you’re just jealous.

Recent CCMD transplant. We relocated to south Florida and there is a lot of truth to how expensive PP is suggesting.
I’m 2 miles from the beach and near downtown. My taxes are 25k, my house insurance is 9k (with a 50k hurricane deductible), my car insurance is double. I don’t see difference in health care costs but groceries are more money. Gas is not.
At the end of the day, it’s not cheap to live here or in the desirable places across the state. You may get “more” for your money (different way of living), but I would never say it’s a LCOL.

If I ever moved back to south Florida, I’d buy a cheap-ish condo and have one car.

Having nice things down there is expensive.

You want to save, go country in TN.

[Anonymous]

Anonymous wrote:Jacksonville beach is highly underrated in my opinion. Ponte vedra. Although it’s definitely not as warm as S FL

As a part time resident of Ponte Vedra Beach I agree with this although we lost a lot of dunes in the 2nd hurricane last Fall.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:By all means, move to Florida. But don’t expect tax or any other savings. At your anticipated house price, you’ll pay $35,000 in real estate taxes in the South Florida metro area. Almost equal amount in insurance. Two cars minimum, insurance, gas. High healthcare costs (if you need it). So while you might enjoy the climate change, you won’t save money.

You’ll thank me for this revelation.

NP
I’m puzzled by your “high healthcare costs” and other claims. We’ve not noticed any discernible difference on healthcare costs between DC and FL. Some people even use concierge medicine with fixed pricing that eliminates surprise billing, telemedicine, no wait times, next day appts. We also have EVs and our State Farm car insurance rates have dropped from DC. We’re in Indian River County and the taxes are nowhere near $35K. My MIL lives in Boca and her taxes are nowhere near that figure, either. She just bought, too.

You sound like you have some strange investment/motivation or more likely, you’re just jealous.

The people on the DCUM real estate forum have this strange fear of Florida, despite having spent no time here and having no first hand knowledge of what it's like to live here. They hear about people moving down here, and it stresses them out that people may be having a better life than them, so they dig in their heels to make up nonsensical reasons to hate Florida, most of which aren't based in fact. These threads often devolve into them saying stuff like "I could never live there because of the alligators". Which is when you know they're arguing in bad faith.

+1 DP here and this is so true. They're livid that someone eschews liberal areas in favor of living in a red state. It's so important to their political identity to believe that red states can't be good places to live. So alligators and daily access to late-term abortions become "concerns" along with making up lies about the COL.

It’s just always been a pretty cheesy place. Beautiful beaches and some nice pockets but the “Florida man” game didn’t come about by coincidence. The weather and country club life are appealing and I wish I liked the state, but I just don’t. If I had $8 million, I’d buy on 30A but the rest of it is pretty unappealing. And Desantis is a crazy fascist - that doesn’t help at all.

[Anonymous]

I’m surprised no one has recommended Del Boca Vista.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:By all means, move to Florida. But don’t expect tax or any other savings. At your anticipated house price, you’ll pay $35,000 in real estate taxes in the South Florida metro area. Almost equal amount in insurance. Two cars minimum, insurance, gas. High healthcare costs (if you need it). So while you might enjoy the climate change, you won’t save money.

You’ll thank me for this revelation.

NP
I’m puzzled by your “high healthcare costs” and other claims. We’ve not noticed any discernible difference on healthcare costs between DC and FL. Some people even use concierge medicine with fixed pricing that eliminates surprise billing, telemedicine, no wait times, next day appts. We also have EVs and our State Farm car insurance rates have dropped from DC. We’re in Indian River County and the taxes are nowhere near $35K. My MIL lives in Boca and her taxes are nowhere near that figure, either. She just bought, too.

You sound like you have some strange investment/motivation or more likely, you’re just jealous.

The people on the DCUM real estate forum have this strange fear of Florida, despite having spent no time here and having no first hand knowledge of what it's like to live here. They hear about people moving down here, and it stresses them out that people may be having a better life than them, so they dig in their heels to make up nonsensical reasons to hate Florida, most of which aren't based in fact. These threads often devolve into them saying stuff like "I could never live there because of the alligators". Which is when you know they're arguing in bad faith.

PP. I don’t have a strange fear of Florida, I live here and like it. But OP has no clue about the hidden costs. Who knows what her health insurance will, ours is expensive and we get very, very little for it with high deductibles. I can guarantee her though, that her RE taxes will be 1.8% of the purchase price, and her insurance will be excruciatingly high, even if no flood zone. Two cars, high insurance and high gas consumption due to long distances (for most people, but that’s individual). Investment interest? Certainly not, that ship sailed 2 years ago.