Florida Paycheck Calculator

Florida Income Tax Rate

Florida does not levy a state individual income tax on wages. Your paycheck’s statutory layers are therefore federal income tax and FICA, plus any pre- and post-tax deductions you select. Employers start from gross pay, subtract pre-tax benefits—traditional 401(k), Section 125 health premiums, HSA/FSA, and commuter plans—then compute federal withholding using your Form W-4 and pay frequency. Bonuses and commissions follow federal supplemental wage methods. Because Florida has no state or municipal wage tax, your net pay is shaped mainly by federal brackets, Social Security and Medicare thresholds, and benefit choices. The table confirms a 0% Florida wage income tax across the last decade.

Florida Median Household Income

Florida’s median household income has generally risen over the decade, supported by growth in healthcare, logistics, hospitality, construction, professional services, aerospace, and tech-adjacent roles. Pandemic volatility briefly slowed progress, then nominal gains resumed as labor markets tightened across major metros such as Miami–Dade, Orlando, Tampa Bay, and Jacksonville. The figures below are nominal, directional benchmarks for budgeting or offer comparisons. For purchasing power, review “real” (inflation-adjusted) dollars and account for local costs— housing, transportation, childcare, and insurance vary widely by region and county. Household size and employer benefits meaningfully influence how far a salary goes across Florida communities.

Florida Federal Insurance Contributions Act (FICA)

FICA applies uniformly in Florida. Employees pay 6.2% Social Security on wages up to the federal wage base (employers match) and 1.45% Medicare on all wages (also matched). High earners owe an additional 0.9% Medicare surtax above federal thresholds; employers do not match that surtax. Section 125 health premiums typically reduce both income-tax and FICA wages, while traditional 401(k) lowers income-tax wages but not FICA. Florida pay stubs usually show separate lines for Social Security, Medicare, federal withholding, pre-tax deductions, post-tax deductions, and year-to-date totals—helpful for verifying accuracy each pay period.

Florida Number of Cities with Local Income Taxes

Florida municipalities do not levy percent-of-wages local income taxes. Payroll withholding generally includes only federal income tax and FICA.

How Your Florida Paycheck Works

Your paycheck begins with gross wages. Payroll subtracts pre-tax benefits—traditional 401(k), HSA/FSA, Section 125 health premiums, and eligible commuter benefits—to determine taxable wages. Withholding then includes federal income tax (per your W-4) and FICA (Social Security and Medicare). With no Florida state or city wage tax, your take-home pay depends heavily on federal bracket placement, FICA thresholds, and your benefit elections. Post-tax items—Roth 401(k), garnishments, union dues, charitable gifts—occur after taxes and do not reduce taxable wages. Pay frequency (weekly, biweekly, semimonthly, monthly) changes per-check cash flow but not annual tax owed.

Florida Wage and Hour Laws: Overtime, Pay Frequency

Overtime: Florida follows FLSA—most non-exempt employees earn 1.5× their regular rate for hours over 40 in a workweek; exemptions apply based on duties and salary thresholds.
Pay frequency: Employers must set regular paydays and pay on consistent intervals; biweekly or semimonthly schedules are common. State rules also require timely final pay and itemized wage statements—confirm specifics in employer policy or agreements.

FAQs

How do I use the Florida Paycheck Calculator?

Enter gross pay, pay schedule, W-4 details, and pre/post-tax deductions to estimate federal withholding, FICA, and net pay.

Does Florida tax wage income?

No. Florida has no state income tax on wages.

Do any Florida cities have a wage income tax?

No. Municipalities do not levy percent-of-wages income taxes on paychecks.

What taxes appear on a Florida pay stub?

Federal income tax, Social Security, Medicare, plus any benefits and other deductions—no state or city wage tax lines.

How do 401(k) and HSA contributions affect take-home pay?

They reduce income-tax wages and increase net pay; 401(k) does not reduce FICA, while many health premiums do.

How are bonuses withheld in Florida?

Under federal rules, employers may use percentage or aggregate methods; there is no additional Florida wage withholding.

Are tips taxable in Florida?

Yes. Reported tips are subject to federal income tax and FICA and must be included in payroll.

Why did my withholding change midyear?

Updated W-4, raises, overtime, or benefit changes can shift brackets and per-check withholding.

How often must I be paid in Florida?

Employers must maintain a regular payday and consistent intervals—commonly biweekly or semimonthly—subject to wage-payment rules.