Moving from Florida to Frisco, TX
The short answer: Florida-to-Frisco is not a tax move — neither state taxes income, and typical Florida home prices are actually lower than Frisco's. People make this move for Frisco ISD schools, the DFW job market, newer master-planned communities, and an escape from Florida's homeowners-insurance costs and hurricane seasons. The honest trade: you give up the coast, and Frisco itself will cost you more for housing than much of Florida.
The side-by-side: Florida vs. Frisco
Rounded, current figures for a typical mover — your exact origin city and address will move these numbers, sometimes a lot. Home prices are typical (median) values for the areas named; tax rates are the published state and typical local effective rates.
| Florida | Frisco, TX | |
|---|---|---|
| Typical home price | around $420,000 statewide | around $650,000 |
| State income tax | None — Florida has no state income tax, just like Texas | No state income tax |
| Property tax (typical effective) | About 0.9% typical effective rate | Roughly 1.6–1.8% of assessed value, all-in, for many addresses (before exemptions — varies by exact address) |
| Overall cost of living | Near the U.S. average overall — but homeowners insurance is among the most expensive in the nation | Roughly 5–10% above the U.S. average — driven by housing; most everyday costs sit near or below national levels |
| Schools | Varies widely by district and neighborhood | Frisco ISD — A-rated, small-schools model, covers most of the city |
| Getting around | Varies by metro | Car-first; Dallas North Tollway + SH 121; DFW Airport ~30 min |
For the full property-tax picture — rates, the homestead exemption, and how PID assessments work — see our guide to property taxes in Frisco, and run any address through the property tax calculator at www.movetofrisco.com.
Why people make this move
- Schools are the headline. Frisco ISD is one of Texas’s top-rated districts; Florida families who were weighing private school or district lotteries often find the public option here is the upgrade.
- Insurance sanity. Florida homeowners premiums are the highest in the country by a wide margin, and some carriers have left the state entirely. Texas insurance is not cheap — hail sees to that — but it is a functioning, competitive market.
- No hurricane season. North Texas has severe storms, hail, and tornado watches, but no storm surge, no evacuations, and no months-long hurricane tracking.
- The DFW job market. One of the largest and most diversified metro economies in the U.S. — corporate headquarters, finance, tech, healthcare, and logistics, with DFW Airport about 30 minutes away.
The honest trade-offs
- Housing costs more here. Frisco’s typical home is around $650,000 versus about $420,000 across Florida. If your Florida home is paid down, run the numbers carefully — this move is about schools, jobs, and lifestyle, not a cheaper house.
- Property-tax rates are higher. Roughly 1.6–1.8% of assessed value for many Frisco addresses versus about 0.9% typical in Florida — partly offset by Texas’s homestead exemption and the absence of Florida’s insurance burden.
- You trade the ocean for lakes. Lewisville Lake and Lake Ray Hubbard are weekend water, but there is no Gulf beach an hour away.
- What some people miss about Florida: the beach life, winter warmth without a jacket, and no shortage of water. Frisco summers are as hot as Florida’s — just drier, and with colder snaps in winter.
Schools: the Frisco ISD factor
This is the section most Florida movers are really here for. Frisco ISD pairs A-rated academics with a small-schools model — more campuses, each smaller than the mega-high-schools common in Florida districts — across a fast-growing, master-planned city. As always, verify zoning for the exact address with our Frisco ISD explained guide.
Jobs and commuting
Frisco sits on the Tollway corridor through Plano’s Legacy West — one of the densest corporate job clusters in the South — with The Star, PGA Frisco, and two major hospital systems in or near the city, and DFW Airport about 30 minutes via SH 121. See our commuting guide for drive-time realities.
How to plan the move
- Sequence it: follow the 90-day moving plan and the free relocation checklist so movers, utilities, licenses, and school enrollment land in the right order.
- Pick the area by zone and commute: our neighborhoods compared guide and the complete relocation guide walk through east vs. west vs. north Frisco.
- Get the local details: the Frisco Insider Pack covers the setup details new residents always ask about — and the free weekly Insider email keeps you current while you plan.
Frequently asked questions
Is Frisco cheaper than Florida overall?
It depends on the lines that dominate your budget. The side-by-side above compares the big four - housing, income tax, property tax, and everyday costs - with rounded, current figures. For Florida movers the deciding lines are usually housing and taxes, so run your exact origin city and income through the comparison rather than relying on state averages.
If Florida has no income tax either, why move?
For most Florida movers it comes down to three things: Frisco ISD schools, the depth of the DFW job market, and getting out from under Florida's homeowners-insurance costs and hurricane exposure. It is rarely a housing-cost move - Frisco homes typically cost more than Florida homes.
Are property taxes in Frisco higher than in Florida?
Frisco's combined rates run roughly 1.6-1.8% of assessed value for many addresses before exemptions. For comparison, Florida's property taxes: About 0.9% typical effective rate. The dollar bill depends on the home's value too, so compare exact addresses with the property tax calculator on this site, and file your Texas homestead exemption as soon as you move in.
How are the schools in Frisco compared with Florida?
Frisco ISD is one of Texas's top-rated districts, built on a small-schools model with deliberately smaller campuses, and it covers most of the city - so the school decision is about campuses, not district-hunting. Zoning is address-by-address; verify any home's exact schools before you buy or sign a lease.
What surprises Florida movers most about Frisco?
The most common surprises are that Frisco home prices and property-tax rates are both higher than Florida's — balanced by lower insurance costs and no hurricane season. Most movers say the adjustment takes a season - plan your first summer (or first storm season) with your eyes open.
How do I plan the move step by step?
Start with the 90-day moving plan on this site, work through the free relocation checklist, and grab the Frisco Insider Pack for the local details - utilities, licenses, school enrollment, and the setup order that keeps a long-distance move calm.
Moving from somewhere else?
See the full series: Moving to Frisco from another state — including Moving from Illinois · Moving from Arizona · Moving from Oklahoma.
Planning your move from Florida?
Start with the free relocation checklist, the 90-day moving plan, and the Frisco Insider Pack — all at www.movetofrisco.com.
Read more Frisco guides