5 Things NJ Homeowners Must Know Before Moving to Florida
What are the biggest hidden realities NJ homeowners should understand before relocating to Florida?
Most people only hear the sunshine-filled version of the story — no state income tax, warm weather, lower cost of living. But the truth is far more nuanced, and misunderstanding it can lead to expensive surprises once you’re already settled in the Sunshine State.
In my latest YouTube video, I break down the five essential factors that every Northern NJ homeowner — especially those in Bergen County — needs to know before making the move.
1. Florida Property Taxes and Insurance Aren’t Automatically Cheaper
One of the biggest misconceptions is that moving to Florida dramatically lowers your housing expenses.
But depending on the region, community type, and property style, Florida’s property taxes and insurance premiums can be significantly higher than what you may be used to in New Jersey.
For many NJ homeowners, this comes as the first major shock.
2. Hurricane Insurance Is a Non-Negotiable — and It’s Expensive
Unlike NJ, Florida has mandatory layers of insurance tied to storm exposure and risk zones.
This includes:
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Windstorm coverage
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Hurricane deductibles
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Flood insurance (depending on the property)
These costs add up quickly, and many NJ buyers don’t factor them into their homeownership budget until it’s too late.
3. The Cost of Living Isn’t Automatically Lower
Florida can be more affordable than New Jersey — but not universally.
Depending on whether you’re considering:
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Palm Beach County
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Broward County
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Miami-Dade
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Southwest Florida
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The Treasure Coast
…you’ll find big variations in housing prices, HOA fees, utilities, insurance, and day-to-day expenses.
Your relocation plan needs to account for these regional differences, not the assumptions most people make.
4. Timing a NJ Home Sale With a Florida Purchase Is Complex
Selling in New Jersey while buying in Florida isn’t as simple as “sell first, then buy.”
Different market speeds, seasonal patterns, and negotiation dynamics can create timeline pressure that affects:
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Your sale price in NJ
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Your buying power in Florida
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Your stress level in both states
This is one of the biggest reasons why many homeowners seek professional transition guidance — so nothing falls through the cracks.
5. Florida Isn’t One Market — It’s Dozens
From beaches to inland communities, luxury towers to 55+ developments, golf communities to waterfront neighborhoods — Florida offers completely different lifestyles depending on where you land.
Choosing the wrong region can create lifestyle mismatches, higher long-term costs, and regrets that could have been avoided with the right preparation.
Final Takeaway
Before you commit to moving from New Jersey to Florida, you need clarity — not assumptions.
That means knowing the real numbers, understanding the risks, and building a transition plan that protects your equity, timeline, and long-term lifestyle goals.
After 32+ years helping NJ homeowners navigate major life moves, and now fully leaning into my role as your NJ → Florida Transition Strategist, I’m here to make sure your next chapter starts the right way.
📌 Ready to Plan Your NJ → Florida Move With Confidence?
Let’s talk through your options, your numbers, and your ideal timeline — without pressure or sales tactics.
📞 Call/Text: 201-970-3960
📧 Email: [email protected]
📍 Visit Our Office:
Keller Williams City Views Realty
2200 Fletcher Avenue
Fort Lee, NJ 07024
Scott Selleck | The Selleck Group
NJ + FL Licensed Realtor | 32+ Years of Experience
Specializing in Bergen County → Florida Relocations
