Moving from Oregon to Davie, FL: The 2026 Guide

What changes financially when you move from Oregon to Davie, Florida?

Moving from Oregon to Davie, Florida trades one of the highest state income taxes in the country for Florida’s zero state income tax. You keep more of your paycheck, your business income, and your investment gains. The offset is real. Florida home insurance and Broward County housing costs run higher than what you know in Oregon, so the move rewards high earners the most. Run your own numbers before you commit.

Oregon and Florida sit at opposite ends of the tax map. Oregon runs a high income tax and charges no sales tax. Florida charges no income tax and funds itself through sales and property taxes instead. When you move from Oregon to Davie, that trade is the whole financial story, and it lands differently depending on how you earn.

I talk to a lot of buyers coming south, and the ones from high income tax states ask the sharpest questions. Here is the honest version of the Oregon to Davie math, what you gain, and the costs Oregon buyers almost always underestimate.

The tax math: Oregon income tax versus Florida’s zero

Start with the paycheck. Oregon’s top income tax bracket runs close to 10 percent in 2026 according to the Oregon Department of Revenue, and it reaches upper middle incomes faster than most people expect. Florida has no state income tax at all. Not on wages, not on self employment income, not on investment gains or retirement withdrawals.

For a high earner, that difference alone can be worth many thousands of dollars a year. A household paying near the top Oregon rate keeps that money in Davie. That is the single biggest reason Oregon sellers look at South Florida.

The offset is sales tax. Oregon charges none. Broward County, where Davie sits, charges a combined 7 percent sales tax, which is the 6 percent state rate plus a 1 percent county surtax, per the Florida Department of Revenue. You will feel that on everyday purchases. For most movers it does not come close to erasing the income tax savings, but it is real, so put it in your budget.

Property taxes are the third piece. Once you own and live in a Davie home, you file for Florida’s homestead exemption, which takes $50,000 off your assessed value and caps your annual assessment increase at 3 percent under Save Our Homes, per the Broward County Property Appraiser. That cap is a real advantage for anyone planning to stay put for years, and you can read the full county picture in the Broward property tax breakdown.

Where the move is less of a sure thing is retirement income. Oregon lets many retirees subtract a share of federal pension and retirement income, so a retiree on fixed income may see a smaller state tax gap than a working high earner does. If most of your income is Social Security and modest withdrawals, run the actual comparison first. The tax savings math I ran for New Jersey buyers shows how to structure that comparison, and the same method works for Oregon.

What your housing budget actually buys in Davie

Housing is where the trade tightens. Portland area prices are high, but so is Davie, and you should not assume your Oregon equity buys more house here by default.

The median single family sale price in Davie is $893,000 (single-family median, trailing 182 days ending Sep 7, 2026, based on 206 listings, per BeachesMLS), and homes sell near 96% of list.

Davie is a single family town at heart, with everything from gated communities to open acreage. If you want land, Davie is unusual for South Florida. Neighborhoods like Long Lake Ranches (33330) and Ivanhoe Estates (33324) offer acreage and equestrian lots that are almost impossible to find closer to the coast, which is a genuine draw for buyers leaving Oregon’s open spaces.

What your budget actually buys depends on the exact community, lot size, and condition, so pull current listings before you anchor on a number. My Davie cost of living guide breaks down the full monthly picture beyond the mortgage.

The costs Oregon buyers underestimate: insurance, wind, and flood

Here is the part Oregon buyers rarely price in. Florida home insurance costs far more than what you pay in the Pacific Northwest, and it is the number that surprises people most.

Oregon’s main home risks are wildfire and earthquake. Davie’s are wind and water. A Florida policy prices in hurricane exposure, and premiums can run several thousand dollars a year on a single family home, sometimes more than your old Oregon property tax bill. I never quote a flat number, because your premium depends on the roof age, the construction, the wind mitigation features, and the flood zone of the specific house. Get an actual quote on any home before you set your budget. My guide to Davie hurricane deductibles explains the part of the policy that trips people up.

Flood zones matter too. Parts of Davie sit in FEMA flood zones that require separate flood insurance, and parts do not. Check any address on the FEMA Flood Map Service Center before you write an offer. Two homes on the same street can carry very different insurance costs based on zone and elevation.

How to time your move and establish Florida residency

The move rewards a little planning. Here is the order that works.

1. Get your budget real first. Talk to a Florida lender and get approved so you know your true number here, including insurance and taxes, not just the Oregon version.

2. Establish Florida residency on purpose. Get a Florida driver license, register your vehicles and to vote, and file a declaration of domicile. Oregon looks at where you actually live if there is ever a question about your final part year return.

3. Close, move in, and file for homestead by March 1 to lock in the exemption and the Save Our Homes cap for the next year.

4. Plan for one last split tax year. The year you move, you file a part year Oregon return for income earned while you lived there. After that, your filing gets much simpler.

5. Line up your sale and purchase. Selling in Oregon and buying in Davie in the same window takes coordination, especially across three time zones and a long distance closing.

My complete guide to moving to Davie walks through the logistics on the ground, from the commute to daily life here.

Frequently Asked Questions

Do you pay state income tax in Florida if you move from Oregon?

No. Florida has no state income tax on wages, self employment income, investment gains, or retirement withdrawals. The year you move, you file a final part year Oregon return for income you earned while you still lived in Oregon. After that, your state income tax obligation ends.

Is it cheaper to live in Davie than in Oregon?

It depends on how you earn. High earners usually come out ahead because Florida has no income tax while Oregon taxes income at one of the highest rates in the country. Housing and home insurance are higher in Davie, so retirees on fixed income often see a smaller gap. Run your specific numbers before you assume.

How much is home insurance in Davie compared to Oregon?

Higher, and often by a lot. Florida premiums price in hurricane and flood risk that Oregon policies do not, and they can run several thousand dollars a year on a single family home. There is no flat rate, because roof age, construction, wind mitigation, and flood zone all move the number. Get a real quote on the specific home before you budget.

When should I file for the homestead exemption after moving from Oregon?

File by March 1 of the year after you buy and occupy your Davie home. The homestead exemption removes $50,000 from your assessed value and caps your annual assessment increase at 3 percent under Save Our Homes, per the Broward County Property Appraiser.

Can I buy a Davie home from Oregon before I move?

Yes. Buying at a distance is common for relocation buyers. You get preapproved with a Florida lender, and you lean on a local agent for the read you cannot get from photos, meaning condition, flood zone, insurance cost, and whether the price actually holds.

Talk to a Davie Real Estate Expert

If you are seriously weighing a move from Oregon to Davie, the best next step is a direct conversation about your actual numbers. You can find the listings yourself. What you cannot pull up online is whether the price holds, what the insurance will really cost, and how to write an offer from a distance that protects you. Anthony is a Davie native, a Broker Associate with Coldwell Banker, and the agent who built livingindavieflorida.com. Schedule a strategy call here.

Anthony Spitaleri

Living in Davie Florida

954-235-5783

Davie, Florida

livingindavieflorida.com

Written by Anthony Spitaleri, Broker Associate with Coldwell Banker and a Davie native. More about Anthony