The Sunshine State: Whether you love Florida for Disney, Major League Baseball spring training, Art Basel or the Keys, you’ve probably thought about moving there, especially on a cold winter day somewhere else. There are many exciting activities you’ll have access to in Florida, not to mention the low taxes. The state is a popular destination for retirees for a reason.

参考译文：阳光之州：无论您喜欢佛罗里达的迪士尼、美国职业棒球大联盟的春季训练、巴塞尔艺术展还是 Keys，您都可能考虑过搬到那里，尤其是在寒冷的冬日其他地方。您可以在佛罗里达参加许多令人兴奋的活动，更不用说低税收了。出于某种原因，该州是退休人员的热门目的地。

Housing Costs in Florida 佛罗里达州的住房费用

Florida was hit hard by the housing market crash in 2008. The state suffered a high rate of foreclosure and home values took a dive, though it’s rebounded nicely. Many cities in Florida are affordable options for homeowners, such as Jacksonville, where the median home value is $186,519 and more than half of the city’s residents own homes.

On the other hand, Miami is a much more renter-centric city. More than 70% of Miami’s residents choose to rent, possibly because home’s are more expensive than other large cities in the Florida. In fact, its median home value is $317,273.

参考译文：佛罗里达州在 2008 年的房地产市场崩盘中遭受重创。该州的止赎率很高，房价下跌，尽管反弹得很好。佛罗里达州的许多城市都是房主负担得起的选择，例如杰克逊维尔，那里的房屋中位价为 186,519 美元，该市一半以上的居民拥有房屋。 另一方面，迈阿密是一个以租房者为中心的城市。超过 70% 的迈阿密居民选择租房，可能是因为房屋比佛罗里达州的其他大城市贵。事实上，它的房屋价值中位数为 317,273 美元。

If you don’t have the funds to make a down payment yet, renting could be a legitimate possibility. According to March 2019 rent data from Apartment List, a two bedroom apartment in Miami has a median rent of $1,355, while the same apartment type in Daytona Beach has a $1,018 median rent.

In comparison, the national median rent for a two bedroom apartment is $1,175. That places Miami $180 above the national mark and Daytona Beach $157 beneath it.

The table below illustrates the home value vs. rent comparisons for the biggest cities in the Sunshine State. Look through these price differences carefully when searching for a place to live in Florida. If you have further questions about how these numbers will affect your personal financial situation, consider working with a financial advisor.

参考译文：如果您还没有足够的资金支付首付，那么租房可能是一种合理的可能性。根据 Apartment List 2019 年 3 月的租金数据，迈阿密的两居室公寓的租金中位数为 1,355 美元，而代托纳海滩的相同公寓类型的租金中位数为 1,018 美元。
相比之下，全国两居室公寓的租金中位数为 1,175 美元。这使得迈阿密比国家标准高出 180 美元，而代托纳比奇比国家标准低 157 美元。
下表说明了阳光州最大城市的房屋价值与租金比较。在佛罗里达州寻找住处时，请仔细查看这些价格差异。如果您对这些数字将如何影响您的个人财务状况还有其他疑问，请考虑与财务顾问合作。

Utilities 实用程序

Florida’s energy prices are on the high side. Residents pay an average monthly electricity bill of $126.44, based on information from the U.S. Energy Information Administration (EIA). That’s 13% higher the national average of $111.67.

The data from the EIA also shows that residents of Florida consume the sixth most kWh per month in the country at 1,089. This is likely due to the hot and humid climate, which has many residents running the air conditioning for most of the year.

参考译文：佛罗里达州的能源价格偏高。根据美国能源信息署 (EIA) 的信息，居民平均每月支付 126.44 美元的电费。这比全国平均水平 111.67 美元高出 13%。EIA 的数据还显示，佛罗里达州居民每月消耗的千瓦时电量为 1,089，在全国排名第六。这可能是由于炎热潮湿的气候，许多居民一年中大部分时间都在使用空调。

Food 食物

Do you associate food in Florida with gator, Cuban cuisine, citrus, seafood or even key lime pie? Whatever your food style, you’ll pay varying amounts for it depending on where you live within the state.

In Jacksonville, a gallon of milk goes for $3.58 and a pound of apples is priced at $2.26. In Sarasota, the prices of each of these items is slightly lower at $3.37 and $2.17. These statistics are from Numbeo.com for 2019.

On a larger scale, the MIT Living Wage Calculator shows that an adult with no children in Florida will need a living wage of $25,324 before taxes. Of that estimate, just about $3,000 is allocated for the purchase of food.

参考译文：您是否将佛罗里达的食物与鳄鱼、古巴美食、柑橘、海鲜甚至酸橙派联系在一起？无论您的饮食风格如何，您都会根据您在该州的居住地支付不同的金额。
在杰克逊维尔，一加仑牛奶售价 3.58 美元，一磅苹果售价 2.26 美元。在萨拉索塔，这些商品的价格略低，分别为 3.37 美元和 2.17 美元。这些统计数据来自 2019 年的 Numbeo.com。
在更大范围内，麻省理工学院生活工资计算器显示，佛罗里达州没有孩子的成年人需要税前 25,324 美元的生活工资。在这一估计中，只有大约 3,000 美元用于购买食品。

Taxes 税收

 Florida is a low-tax state, which means that taxes don’t pay a huge role in the cost of living in Florida. As a matter of fact, there’s no state income tax in Florida. Plus, the average effective property tax rate in Florida is 1.02%, which is less than the national average.

Florida has a statewide sales tax of 6%. Some counties add their own sales tax to that 6%, with anywhere from a 0.5% to 2% hike. In turn, the state has a sales tax rate that maxes out at 8%, though, which is lower than the top rates in other big states, like California.

The bad news is that Floridians pay high gas taxes. Florida’s gas tax is 41.36 cents per gallon on regular gas, the 10th-highest in the nation. There’s also a special tax on alcohol, in Florida. This comes out to 48 cents per gallon on beer and $6.50 per gallon on spirits.

A special tax on communications services means consumers pay 7.44% extra on all phone, internet and television services. Service providers bill a maximum of 5.07%, with the remaining 2.37% left for consumers to pay on their own. Floridians pay a tax of 11.44% on satellite services like DirecTV.

参考译文：佛罗里达州是一个低税率的州，这意味着税收在佛罗里达州的生活成本中不会占很大的比重。事实上，佛罗里达州没有州所得税。此外，佛罗里达州的平均有效财产税率为 1.02%，低于全国平均水平。
佛罗里达州的全州销售税为 6%。一些县将自己的销售税添加到这 6% 的基础上，涨幅从 0.5% 到 2% 不等。反过来，该州的销售税率最高为 8%，低于加利福尼亚等其他大州的最高税率。
坏消息是佛罗里达人缴纳高昂的汽油税。佛罗里达州的汽油税为每加仑 41.36 美分，在全国排名第 10。佛罗里达州还对酒精征收特别税。啤酒每加仑 48 美分，烈酒每加仑 6.50 美元。
对通信服务征收特别税意味着消费者在所有电话、互联网和电视服务上额外支付 7.44%。服务提供商最多收取 5.07% 的费用，剩余的 2.37% 留给消费者自己支付。佛罗里达人为 DirecTV 等卫星服务缴纳 11.44% 的税。