How to Move to Florida From Indiana (Sun City Center Retiree Guide)

Direct answer

You move to Florida from Indiana by establishing legal domicile, filing homestead, and unwinding Indiana ties. Indiana's flat state rate around 3 percent is stepping down, verify current, and county income taxes add another 1 to 2 percent on top for a combined burden of roughly 4 to 5 percent. Social Security is exempt. Pension and IRA withdrawals are taxed at the combined rate. Florida charges zero.

The tax swap, Indiana versus Florida

The biggest single dollar difference for most Indiana retirees is the county tax nobody counts on retirement account withdrawals. A couple drawing 100,000 dollars a year from IRA and pension income typically saves 4,000 to 5,000 dollars annually across state and county tax. Higher AGI households and Marion County residents save proportionally more.

Tax disclaimer

Tax information is general and for educational purposes only. It is not tax advice. Rates, exemptions, and thresholds change and vary by county and by individual circumstance. Verify current figures with the Indiana Department of Revenue and consult a licensed CPA or tax attorney before making relocation decisions. Tax data verified July 2026.

The seven step move

• ◆Decide snowbird or outright move. Most Indiana retirees start with one winter rental in Sun City Center before buying.
• ◆Line up Florida financing before you list at home. Get fully underwritten so you can write a non contingent offer once you are ready.
• ◆Pick your neighborhood category: Sun City Center Proper for detached single family, Kings Point for gated condo and villa living, or Renaissance for the higher end.
• ◆Sequence the sale and purchase. Options include buy first with bridge or asset based financing, sell first with rent back, or overlap with a short term rental.
• ◆Establish Florida domicile and document it. See the checklist below.
• ◆Move the household. Full service movers, container pods, or auto transport for one vehicle plus a fly down are the three common patterns.
• ◆File Florida homestead by March 1 of the year after you close. Miss that date and you lose the exemption for a full year.

Establishing Florida domicile from Indiana

Indiana audits departures at a low rate. Standard domicile documentation carries almost every case. Keep the file: Declaration of Domicile, license issue date, voter card, homestead approval, physician transfer, and a monthly location log. County residency for county tax purposes is separate, document it.

• ◆File a Declaration of Domicile with the Hillsborough County Clerk of Court.
• ◆Get a Florida driver license and surrender the license from your former state.
• ◆Register vehicles in Florida and cancel the old state registration.
• ◆Register to vote in Hillsborough County.
• ◆Update your address on federal tax returns, Social Security, and Medicare.
• ◆Move primary banking and brokerage relationships to Florida addresses.
• ◆Transfer primary physicians and specialists to Tampa Bay providers.
• ◆Update wills, trusts, powers of attorney, and health directives to Florida law.
• ◆File Florida homestead by March 1 to lock the exemption and the Save Our Homes 3 percent cap.
• ◆Count and document days present. Keep flight receipts, EZ Pass records, and credit card geolocation.

Logistics: drive, flights, and moving

The drive from Indianapolis is about 1,000 miles and 14.5 hours down I-65 to I-75, a straightforward two day run. Nonstops IND to Tampa International run daily. Household moves for a full three bedroom band 5,000 to 9,500 dollars, and auto transport Indiana to Tampa runs roughly 900 to 1,300 dollars per car.

Financing from out of state

Get fully underwritten before you list at home. That means income, assets, and credit verified so your Florida offer can go in without a financing contingency. Travis works multiple retiree friendly programs. Asset depletion qualifies buyers on brokerage and retirement balances instead of monthly income. Social Security and pension income qualification gets you the gross up boost most lenders miss. Kings Point condos need non warrantable condo programs, and Travis has relationships that lend where big banks decline. See the full financing overview. Travis Penny is a licensed mortgage broker, NMLS 1649161, and this is not an offer to lend. Loans are subject to underwriting approval.

Why Indiana retirees pick Sun City Center

Indiana retirees pick Sun City Center for the combined tax reset, the winter delta, and a 55 plus community with a hospital inside. Sun City Center is cart legal, walkable, has HCA Florida South Bay inside the community, and puts Tampa International 45 minutes north. Indiana taxes IRA money at combined 4 to 5 percent. Florida charges zero.

Call Rex

Ready to plan the move? Call Rex, your 24/7 concierge, (813) 576.3131. Rex hands warm calls to Dewey for real estate and Travis for financing during business hours, and takes messages the rest of the time.