Skip to content
Sun City Center

Minnesota to Florida

Moving From Minnesota to Sun City Center, Florida (Retiree Guide)

By Dewey Kopenga and Travis Penny. updated June 2026

TL;DR

Minnesota is one of the few states that still taxes Social Security for many retirees and carries a high income tax plus a state estate tax. Florida removes all three, and the winter contrast could not be sharper, making Sun City Center a decisive change for Minnesota retirees.

MN income tax (retiree)

up to ~9.85%

Florida income tax

0%

MN estate tax

Yes (FL: none)

Drive from Minneapolis

~1,500 mi (2 to 3 days)

The tax math for Minnesota retirees

Minnesota taxes much retirement income, still taxes Social Security for many households, and tops out near 9.85%. It also levies a state estate tax. Florida charges nothing on income and has no estate or inheritance tax, one of the largest tax swings of any feeder state.

The winter break

Few winters are harder than Minnesota's. Sun City Center offers winter highs in the 60s and 70s with year-round golf, pools, and clubs in a true 55+ community.

How most Minnesota buyers do it

  • ◆Season 1: Rent for a winter to confirm the lifestyle.
  • ◆Season 2: Buy a single-level 55+ home and snowbird.
  • ◆Lock Florida residency: 183+ days, license, voter registration, homestead.
  • ◆Sell or summer-only the Minnesota home once settled.

Healthcare transfer

Medicare transfers cleanly. Switch Medicare Advantage during open enrollment. HCA Florida South Bay Hospital serves Sun City Center, with Tampa General and Moffitt nearby.

Frequently Asked

Questions about minnesota to florida.

Often yes. Minnesota's high income tax, Social Security taxation, and estate tax mean Florida's zero across the board can be one of the biggest swings of any state.

Start your move

Planning your move from Minnesota?

Tell us a bit about your timeline and we'll put together a Minnesota-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.

← Back to the main guide