Moving from Florida to Rhode Island
Moving to Rhode Island on the same salary slightly lowers your real buying power (-4.0%); you'd need about $83,900 to break even. Change the salary below to see your own numbers.
The salary comparison above is for W-2 earnings. Your retirement income and budget results appear in the calculator below.
State-median gross rent (2024 ACS): $1,812/month in Florida and $1,418/month in Rhode Island. These are state benchmarks, not current rental quotes or your own housing costs. Compare your salary offer, housing and moving-cost recovery using the personal-budget option in the calculator.
Equal salary in RI: $83,900
To keep the same lifestyle, you need about $83,900 in Rhode Island to match $80,000 in Florida ($3,900 more), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
The renter figure uses ACS gross rent, which includes tenant-paid electricity, gas, water/sewer and fuels. The buyer figure adds electricity separately to mortgage, property tax and insurance. Food, transport, healthcare, other spending and one-time moving costs are excluded. These are selected-cost changes, not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $80,000 | Florida | Rhode Island |
|---|---|---|
| Federal income tax | $8,770 | $8,770 |
| Social Security + Medicare | $6,120 | $6,120 |
| State income tax | $0 | $2,383 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $880 |
| Take-home pay | $65,110 | $61,847 |
Key facts: Florida to Rhode Island
- Median rent
- $1,812 → $1,418/mo
- Median home value
- $396,900 → $455,700
- Price level (U.S. = 100)
- 103.4 → 102.3
- Road distance
- ≈ 1,310 miles
- Natural hazard risk (FEMA)
- Very high county-score mean → High county-score mean
What changes when you move to Rhode Island
- Florida has no state income tax on wages; Rhode Island does. At $80,000 expect about $2,383 a year in Rhode Island income tax.
- BEA's housing rents price index is 14% lower in Rhode Island. Median rent goes from $1,812 to $1,418 a month and the median home value from $396,900 to $455,700.
- Homeowners pay more property tax: the median bill is $4,886 in Rhode Island vs $2,993 in Florida.
Who moves from Florida to Rhode Island
In the latest IRS migration data (2022–2023), 1,475 households (2,315 people) filed their taxes in Rhode Island after filing in Florida the year before. That makes Rhode Island the #40 destination for people leaving Florida. These households reported an average adjusted gross income of $79,772. Going the other way, 2,235 households moved from Rhode Island to Florida, a net loss of 760 households for Rhode Island.
Five-year trend
Moves from Florida to Rhode Island reached a five-year high in 2022–23, up 20% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Florida to Rhode Island
Moving cost: $900–$12,000
Moving about 1,310 miles from Florida to Rhode Island costs roughly $900 – $12,000, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $900 – $3,940 |
| Moving container You pack and load; the company drives the container. | $1,740 – $4,490 |
| Full-service movers Loading, transport and unloading. Packing, storage and other extra services may cost more; confirm the written estimate. | $2,810 – $12,000 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 131 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from Florida to Rhode Island
Car shipping: $1,000–$1,460
Shipping a sedan from Florida to Rhode Island on an open carrier costs about $1,000–$1,460, typically 3–7 days in transit over about 1,310 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published mainland-to-Hawaii and mainland-to-Alaska prices. Reverse ocean routes reuse those inbound prices as a proxy, not a separately sourced price for that direction. The 25% SUV and 35% enclosed-carrier uplifts are model assumptions; ocean carrier packages and vehicle charges can differ. Not a quote.
Florida vs Rhode Island take-home pay at every salary
| Salary | Equal salary in RI | Take-home change | Take-home in FL | Take-home in RI |
|---|---|---|---|---|
| $50,000 | $51,800 | -$1,808 | $42,355 | $40,547 |
| $75,000 | $78,600 | -$3,021 | $61,593 | $58,572 |
| $100,000 | $105,200 | -$4,248 | $79,180 | $74,932 |
| $150,000 | $158,500 | -$6,623 | $113,791 | $107,168 |
| $250,000 | $267,100 | -$11,957 | $183,182 | $171,225 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
At higher incomes, especially for homeowners, itemizing state and local taxes (deductible up to $40,400 in 2026) can lower your federal tax once you live in Rhode Island, which narrows the gap shown.
Cost of living: Florida vs Rhode Island
| Measure | Florida | Rhode Island |
|---|---|---|
| Overall price level (U.S. = 100) | 103.4 | 102.3 |
| Housing rents price index | 122.1 | 105.6 |
| Utilities price index | 90.1 | 146.7 |
| Goods price index | 98.1 | 97.2 |
| Median rent (monthly) | $1,812 | $1,418 |
| Median home value | $396,900 | $455,700 |
| Median property tax (yearly) | $2,993 | $4,886 |
| Electricity (residential) | 15.10¢/kWh | 29.23¢/kWh |
| State sales tax rate | 6% | 7% |
| Median household income | $77,735 | $83,504 |
Renting and buying: Florida vs Rhode Island
| Measure | Florida | Rhode Island |
|---|---|---|
| Income to rent the median home (30% rule) | $72,480 | $56,720 |
| Monthly cost to own the median home (20% down) | $2,621 | $3,040 |
| Income needed to buy the median home | $112,328 | $130,277 |
| Homeowners insurance (yearly median, homes with a mortgage) | $2,492 | $1,778 |
| Infant child care (center, yearly) | $14,230 | $18,972 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in Rhode Island for other down payments.
Your yearly budget: Florida vs Rhode Island
On an $80,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $48,597 a year in Florida and $44,760 in Rhode Island if you rent: $3,837 less after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $60,319 and $66,209 ($5,890 more).
Your yearly budget, before vs after
| Yearly cost | FL | RI | Change |
|---|---|---|---|
| Income and payroll taxes on $80,000, single filer | $14,890 | $18,153 | +$3,263 |
| Car insurance one car, state average | $1,865 | $1,540 | -$325 |
| Gas 12,000 miles at 25 mpg | $1,902 | $1,979 | +$77 |
| Health insurance one adult, age 40, own plan before subsidies | $8,196 | $6,072 | -$2,124 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $21,744 | $17,016 | -$4,728 |
| Total if you rent | $48,597 | $44,760 | -$3,837 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $25,967 | $29,814 | +$3,847 |
| Property tax median home | $2,993 | $4,886 | +$1,893 |
| Homeowners insurance state median, with a mortgage | $2,492 | $1,778 | -$714 |
| Electricity state average bill | $2,014 | $1,987 | -$27 |
| Total if you buy | $60,319 | $66,209 | +$5,890 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $14,230 a year in Florida and $18,972 in Rhode Island (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Cost of living in Rhode Island cities: Providence.
After you arrive in Rhode Island
- Rhode Island new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in Florida and Rhode Island.
- How Rhode Island taxes retirement income.
Frequently asked questions
How much salary do I need in Rhode Island to live like I do in Florida?
An $80,000 salary in Florida works out to about $83,900 in Rhode Island once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $105,200.
Will I pay less tax in Rhode Island than in Florida?
No, about $3,263 more a year in income and payroll taxes on an $80,000 salary (18.6% of pay in Florida vs 22.7% in Rhode Island). Property and sales taxes are shown separately.
How much does it cost to move from Florida to Rhode Island?
For a 2–3 bedroom home over about 1,310 miles, expect roughly $900–$3,940 with a rental truck, $1,740–$4,490 with a moving container, or $2,810–$12,000 with full-service movers.
Are more people moving from Florida to Rhode Island?
Moves from Florida to Rhode Island reached a five-year high in 2022–23, up 20% from 2018–19.
How many people move from Florida to Rhode Island?
IRS migration data for 2022–2023 show 1,475 households (2,315 people) moved from Florida to Rhode Island, making Rhode Island the #40 destination for people leaving Florida. 2,235 households moved the other way.
Is Rhode Island cheaper than Florida?
Overall prices in Rhode Island are 1.1% lower than Florida (BEA Regional Price Parities 2024). Median rent is $1,418 vs $1,812 a month.
Compare other moves
Where people from Florida actually move
- FL to Georgia 28,263 households
- FL to Texas 24,196 households
- FL to New York 22,011 households
- FL to North Carolina 20,553 households
- FL to California 14,113 households
- FL to Tennessee 12,505 households
- FL to Virginia 12,414 households
- FL to Pennsylvania 11,056 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing.