The honest tax picture
Indiana exempts Social Security and applies a low flat state rate near 3% plus county income taxes to other retirement income. So the income-tax savings are real but modest. Florida adds zero income tax and no estate tax.
Sun City Center
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Book a CallIndiana to Florida
Moving From Indiana to Sun City Center, Florida (Retiree Guide)
By Dewey Kopenga and Travis Penny. updated June 2026
TL;DR
Indiana's flat state tax plus county income taxes apply to retirement income, so Florida's zero is a real if modest reduction. The stronger draws are escaping gray Midwest winters and a short, easy drive, at home prices comparable to Indiana suburbs.
IN income tax + county
~3% state + local
Florida income tax
0%
Drive from Indianapolis
~1,000 mi (1.5 to 2 days)
Social Security in Indiana
Already exempt
The weather upgrade
Indiana winters mean gray skies, ice, and cold. Sun City Center trades that for winter highs in the 60s and 70s and a year-round active outdoor calendar.
How most Indiana buyers do it
- ◆Season 1: Winter rental to test the community.
- ◆Season 2: Buy a single-level 55+ home and snowbird.
- ◆Establish Florida residency once you spend most of the year here.
Healthcare transfer
Medicare transfers automatically. Switch Medicare Advantage during open enrollment. HCA Florida South Bay Hospital is in Sun City Center, with Tampa General and Moffitt nearby.
Frequently Asked
Questions about indiana to florida.
On taxes alone the savings are modest. The stronger case is winter weather, a short drive, and a year-round active 55+ lifestyle.
Start your move
Planning your move from Indiana?
Tell us a bit about your timeline and we'll put together a Indiana-to-Sun City Center plan. Dewey and Travis both get a copy.
Ready when you are
Get the answer for your situation.
One 30-minute call covers property strategy and financing. Dewey and Travis on the line together.