Retiring in Texas or Florida

While I’m not a fan of the high property taxes that we have, this may need some level setting. Our home in the DFW area is valued similarly, in a very nice golf course community, and our property taxes are $8500. My guess is that the home above has some kind of special tax situation, like a municipal utility district tax in addition to property tax. Those are not uncommon in new developments where city service access is funded by the MUD tax.
It is probably like in California where property tax is 1% of the appraised value at purchase with its subsequent capped increase per year, but if you buy a home in a new development with Melo-Roos, it is allowed to add another 1% in property tax, making property tax at 2%.
 
While I’m not a fan of the high property taxes that we have, this may need some level setting. Our home in the DFW area is valued similarly, in a very nice golf course community, and our property taxes are $8500. My guess is that the home above has some kind of special tax situation, like a municipal utility district tax in addition to property tax. Those are not uncommon in new developments where city service access is funded by the MUD tax.
Wow, big difference!
 
It is probably like in California where property tax is 1% of the appraised value at purchase with its subsequent capped increase per year, but if you buy a home in a new development with Melo-Roos, it is allowed to add another 1% in property tax, making property tax at 2%.
I live in Texas, that is not how our property tax is done. The values are determined once a year (by county governments, I believe), there is a dispute period where they can be adjusted (or not) for anyone that wants to dispute them.

Once the values are all set for the year, then the taxing entities sort of spread their allowed spending for the next year around based on everyone's portion of the total value.

There are no state taxes, there are only county, city, school, and some special jurisdictions some time.
 
I wouldn't move to either of them but if I HAD to choose it would be Texas. Too many problems is Florida with insurance, not to speak of condo failures.
The condo problem is an easy fix, just have a regular single family home.

Also as pointed out, if you live right on the coast, the FL insurance is much higher than even a little bit inland. Car insurance is a whole different problem and is very high in FL. Point of reference, approx 3x higher in FL for same vehicle and same coverage vs OH in my case.
 
I grew up in Massachusetts but have lived in Florida for the last 40 years; 35 years in Tampa and 5 years in Tallahassee before that. Tallahassee is heavily wooded and is sometimes known as the city in the woods. It does get hot in the summer, but the tree canopies help to moderate the heat. As the state capital and home to FSU and Florida A&M, Tallahassee basically has two seasons: college football season and state legislative season. If you are not into football or politics it’s kind of boring, but it does have some nice surrounding wooded areas for hiking, fishing and hunting.

I moved to the Tampa area in 1991 and stayed after retiring in 2020. Since my house is paid off it’s more cost-effective even with sky high insurance rates. Winter weather is wonderful except for a few short cold spells in January and February when the temperature might get into the 30s and 40s. It does get extremely hot and humid in the summer around June to October. During that period, people tend to stay indoors unless they are right on the water or have to be outside. September and October is prime hurricane season for the Tampa Bay area. Although we haven’t had a direct hit in over 100 years, there have been several close calls. In 2024 Tampa got side-swiped by Hurricanes Helene and Milton within a two week period. Although I live in a flood zone, my neighborhood avoided flooding or power outages, but just a couple of miles away there was flooding and power outages lasting several days. Even today, more than a year later, many houses still have tarps on their roof due to hurricane damage. As far as wildlife goes, I have seen an occasional coyote or alligator (I live on a lake), so be careful with pets. The most annoying wildlife to me though, are the Muscovy ducks, big aggressive birds that poop all over the place.
 
I grew up in Massachusetts but have lived in Florida for the last 40 years; 35 years in Tampa and 5 years in Tallahassee before that. Tallahassee is heavily wooded and is sometimes known as the city in the woods. It does get hot in the summer, but the tree canopies help to moderate the heat. As the state capital and home to FSU and Florida A&M, Tallahassee basically has two seasons: college football season and state legislative season. If you are not into football or politics it’s kind of boring, but it does have some nice surrounding wooded areas for hiking, fishing and hunting.

I moved to the Tampa area in 1991 and stayed after retiring in 2020. Since my house is paid off it’s more cost-effective even with sky high insurance rates. Winter weather is wonderful except for a few short cold spells in January and February when the temperature might get into the 30s and 40s. It does get extremely hot and humid in the summer around June to October. During that period, people tend to stay indoors unless they are right on the water or have to be outside. September and October is prime hurricane season for the Tampa Bay area. Although we haven’t had a direct hit in over 100 years, there have been several close calls. In 2024 Tampa got side-swiped by Hurricanes Helene and Milton within a two week period. Although I live in a flood zone, my neighborhood avoided flooding or power outages, but just a couple of miles away there was flooding and power outages lasting several days. Even today, more than a year later, many houses still have tarps on their roof due to hurricane damage. As far as wildlife goes, I have seen an occasional coyote or alligator (I live on a lake), so be careful with pets. The most annoying wildlife to me though, are the Muscovy ducks, big aggressive birds that poop all over the place.
As for folks staying indoors during the hottest months, not necessarily true. If one is very into an outdoor sport, they don't give it up in the summer. That would be Pickleball for me.
 
Floridians, how do you feel about driving in the rain there. Now and then when I visit I get stuck in the rain and it's scary. You can't see anything. Rain is insane there when it happens.
The rain is not always that heavy. And the really heavy rains do not last long.
 
I did some research on average nursing home cost and it's $5-$6k in Texas, eight k in Florida, $12k in CA and Wisconsin. So apparently varies quite a bit. I live in CA and can verify that it is $12k. Do these numbers reflect what people see? If so, I might have to seriously think about Texas to make sure I have a nice financial cushion. One stroke can burn through savings fast.
 
Also as pointed out, if you live right on the coast, the FL insurance is much higher than even a little bit inland. Car insurance is a whole different problem and is very high in FL. Point of reference, approx 3x higher in FL for same vehicle and same coverage vs OH in my case.
It is highly dependent on the flood zone one is in, the condition of one's roof and if one's home is stick or concrete. We are on the coast, well 1 mile from it as the crow flies, in a X Flood Zone, on an Island and our insurance is reasonable for Florida. We have friends further inland or in an AE Flood zone paying 2-3 times as much. It is kind of like the weather tax in California, one puts up with it for a higher than average standard of living.
 
Both states OP asked about would be excellent choices and both extremely great places to live.

I for one wants to be where there is less people. Weather isn't my first priority when it comes to my happiness.

I wish you well in your choice and according to what people want those two States are at the top.
 
I grew up in Massachusetts but have lived in Florida for the last 40 years; 35 years in Tampa and 5 years in Tallahassee before that. Tallahassee is heavily wooded and is sometimes known as the city in the woods. It does get hot in the summer, but the tree canopies help to moderate the heat. As the state capital and home to FSU and Florida A&M, Tallahassee basically has two seasons: college football season and state legislative season. If you are not into football or politics it’s kind of boring, but it does have some nice surrounding wooded areas for hiking, fishing and hunting.

I moved to the Tampa area in 1991 and stayed after retiring in 2020. Since my house is paid off it’s more cost-effective even with sky high insurance rates. Winter weather is wonderful except for a few short cold spells in January and February when the temperature might get into the 30s and 40s. It does get extremely hot and humid in the summer around June to October. During that period, people tend to stay indoors unless they are right on the water or have to be outside. September and October is prime hurricane season for the Tampa Bay area. Although we haven’t had a direct hit in over 100 years, there have been several close calls. In 2024 Tampa got side-swiped by Hurricanes Helene and Milton within a two week period. Although I live in a flood zone, my neighborhood avoided flooding or power outages, but just a couple of miles away there was flooding and power outages lasting several days. Even today, more than a year later, many houses still have tarps on their roof due to hurricane damage. As far as wildlife goes, I have seen an occasional coyote or alligator (I live on a lake), so be careful with pets. The most annoying wildlife to me though, are the Muscovy ducks, big aggressive birds that poop all over the place.
Also grew up in Tax a Chusetts and mother lives in Pinellas County Florida. She has a Concrete structure with a Tile Roof in Flood Plane AE. Here insurance is higher but manageble. During Milton they shut the pumping station down in her area and the roads flooded and came within 4 feet of the house. That was the worst she has seen in living there 20 years.
 
Definitely have to be aware of mold in FL. Our two walk-in showers get wiped down with Costco yellow microfiber towels and a fan put on them for at least 30 minutes after every shower. The tub surround gets wiped down and we clip up the wet shower curtain liners on the 2 showers with curtains. We put up Command hooks and then add clips with hooks to grab the bottom of the shower curtain liner and raise it while it dries. No moldy liners and zero mold in the showers in almost 11 years.
I squeegee the shower doors and tile walls after every shower. Have gotten Mr. A(v2) in the habit, too. Removes soap scum and helps prevent water spots. The water is moderately hard and although I have a whole-house carbon filter, I never wanted to install a water softener - never was convinced they are good for you.
 
So I saw a couple places in Texas and Florida that are close to nice beaches and cooler in summer. Rockport Texas and Niceville Florida. The average highs are 90 or Rockport and 89 for Niceville during the peak of summer which are fine for beach weather. Niceville is next to Destin. Wonder if anyone lived or know about those places.
 
Rockport is pretty with all the huge spreading live oaks and lots of great birds, it’s a popular retiree and snowbird destination. But being right on the bay it can get quite humid, and Rockport is vulnerable to hurricanes. We tend to avoid the TX coast in the summer even though the ocean moderates the temperatures, you’re trading off against the coastal humidity. It gets really hot here in the summer, but not nearly as humid.

Florida beaches on the gulf side beat TX beaches hands down. The white sand beaches around Destin are stunning. The only “nice” beach in TX as far as I’m concerned is South Padre Island. Fortunately for us it’s only an hour and 20 minutes to get there, so we visit occasionally, especially during spring bird migration.

I think you’ll have to visit these places. Rockport is a quite small city, although it’s not far from Corpus Christi. We might have driven through Niceville once on the way to Destin from I-10. I remember pine forests.
 
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I just looked up a bunch of suburbs in Texas and Florida and Cedar Park happens to be one of the least humid in the summer. Maybe that has to do with 1000' elevation?
 
I just looked up a bunch of suburbs in Texas and Florida and Cedar Park happens to be one of the least humid in the summer. Maybe that has to do with 1000' elevation?
Likely. The elevation will help keep temperatures cooler than they would be at sea level.
 
I just looked up a bunch of suburbs in Texas and Florida and Cedar Park happens to be one of the least humid in the summer. Maybe that has to do with 1000' elevation?
That’s really not much higher elevation than north Austin. Once you climb up onto the Edward’s Plateau - Mopac/Loop 1 runs along the base of it, and US183 climbs up it as it crosses Loop 1 - you are already at almost 900 ft elevation.

A lot of the Austin greater metropolitan area is in hills and along lakes already in the TX hill country. I don’t know if I ever noticed that it was particularly less humid than other parts of north Austin. We used to live up there not that far from Cedar Park.
 
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Looked up climate for fort davis Texas and even less humid. Much cooler too. At 5000' elevation so that makes sense. Seems rather remote but weather seem pretty mild in summer.
 
Looked up climate for fort davis Texas and even less humid. Much cooler too. At 5000' elevation so that makes sense. Seems rather remote but weather seem pretty mild in summer.
Unfortunately, no 5000ft elevations in Florida to cool off to in the summer.
 
We live at 5300 ft in Arizona. We are usually 20* cooler in the summer than Phoenix, but that also means wer are 20* colder in the winters. Usually a Jacket if you leave early in the morning but by noon it is sweatshirt weather and our Humidity is rarely above 10%. But the drawback to that are Wildland Fires.
 
There is a dry line that crosses TX north to south, and mostly active in the spring and summer. The location can move somewhat but it normally stays west of the TX Hill Country. Moist air to the east of the dry line comes from the Gulf SE prevailing winds. Very dry hot desert air is to the west southwest winds. Spectacular powerful thunderstorms can develop along this dry line. It usually stays west of Kerrville TX, for example, but I’ve seen occasional weather reports where it moves into the TX hill country causing huge storms.
 
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There is a dry line that crosses TX north to south, and mostly active in the spring and summer. The location can move somewhat but it normally stays west of the TX Hill Country. Moist air to the east of the dry line comes from the Gulf SE prevailing winds. Very dry hot desert air is to the west. Spectacular powerful thunderstorms can develop along this dry line. It usually stays west of Kerrville TX, for example, but I’ve seen occasional weather reports where it’s come close.
I might consider Fort Davis as summer home and East of dry line for fall through spring. Prefer good precipitation during fall through spring with lots of greens and warmth and cooler and dry during summer.
 
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