Cost Factors to Consider When Moving in Florida

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Moving to a new place can be exhilarating yet stressful. As experienced movers in Florida, we understand that a big part of that stress comes from the unknown financial aspects. Hence, we have compiled this detailed guide outlining the major cost factors to consider when moving in Florida. Here, you’ll get a comprehensive view of what to expect regarding expenses, giving you a roadmap to a financially savvy move.

The cost factors to consider when moving in Florida

So, you have decided to make the move. Before you pack your first box, exploring the different moving services available in Florida is vital. Typically, they range from full-service options, offering a hassle-free move, to self-service options, where you play a more hands-on role. According to HomeAdvisor, the average price range for a moving service in Florida is $469 for a full-service move. Understanding this can be a critical first step in planning your budget.

Picture of a person taking money out of their wallet
Various moving services are available in Florida.

Determining the cost of moving services

Various elements dictate the total cost of relocation. Primarily, the distance of the move significantly influences the price, with long-distance ones being more expensive than their local counterparts. Furthermore, the total volume or weight of your belongings can further pump the costs. While budgeting, you also need to consider the type of items you are moving. Special items like pianos or art pieces might incur additional fees. Local movers catering to Florida residents often offer a detailed breakdown of these costs, helping you avoid hidden charges. Lastly, auxiliary services such as packing, assembly, and storage can affect the final tally. Typically, these are optional but can offer convenience for a smoother moving experience.

Luckily, there are strategies to minimize the financial impact of your move. For once, you can book your moving services during the off-peak season, generally between October and April, to get more competitive rates. Also, shedding items you no longer need can reduce the volume of goods, thereby decreasing costs. As a cherry on top, getting quotes from multiple providers and negotiating can also land you a more favorable deal.

Understanding the cost of living

Stepping into the new chapter of your life in Florida also means adapting to the local cost of living. Generally speaking, this term refers to the amount needed to afford basic expenses such as housing, groceries, transportation, and healthcare in a specific region. To illustrate, Numbeo reports that as of 2023, the cost of living in Miami is approximately 14% higher than in Orlando.

Picture of the Floridian coastline
The costs of living in Florida vary from city to city.

Housing costs

Transitioning to a new home means diving deep into the housing market in Florida. Whether you’re looking to rent or purchase a property, understanding the associated costs can save you from potential financial pitfalls. Primarily, housing costs in the region fluctuate based on whether you opt to rent or own. According to Zillow, as of 2023, the median home value in Florida is $390,000, with rental prices averaging $2,700 per month. While these numbers provide a general idea, nuances exist based on specific locations and property types.

Factors affecting housing costs

Location undeniably tops the list. For instance, beachfront properties in areas like Miami Beach command higher prices than those in inland cities such as Gainesville. Furthermore, the size of the property, its age, and its amenities also contribute to its final price. However, there’s another factor many fail to consider when relocating in FL: the seasonal impact on housing prices. Properties might be more expensive during the tourist season when demand surges.

But here’s a pro tip: Collaborate with a local real estate agent. They can guide you through market dynamics, ensuring you get the best value for your money. Since they are locals, they can also recommend reputable providers of storage units in Florida. These can also help you mitigate costs since a storage unit is often cheaper than a larger home.

Understanding closing costs

Closing costs are those additional expenses incurred when finalizing a property purchase. As per the Mortgage Bankers Association, closing costs in the Sunshine State can range from 2% to 5% of the home’s purchase price. This includes fees like title search, appraisal, and credit report checks.

Home insurance in Florida

Shifting the focus to home insurance, Florida’s geographical location makes it susceptible to natural disasters like hurricanes. Thus, insuring your property becomes paramount. The Insurance Information Institute notes that Florida’s average home insurance premium is around $4,200 per year, higher than the national average due to its unique risk factors. However, we recommend you always shop around when getting insurance. Numerous providers offer varying rates. Also, a keen understanding of the breakdown of closing costs can aid in negotiations, ensuring you don’t overpay.

The impact of home characteristics on moving costs

Certain characteristics of your home, such as its size, can drive the moving expenses up. For instance, relocating a four-bedroom house will undoubtedly be more costly than a one-bedroom apartment due to the sheer volume of belongings. In addition, if you have a large family, your expenses could be higher. More people often mean more belongings, more rooms, and potentially even more hands on deck to facilitate the move.

Picture of a mother with kids
The cost factors to consider when moving in Florida also include the size of your family.

Start planning the move with costs finally uncovered!

As you can see, there are many cost factors to consider when moving in Florida, ranging from housing to closing costs. Knowing what they are, however, you’ll have a drastically easier time planning your more. Sure, it might take time to investigate all of this, but trust us when we say that doing so will save you headaches in the future.



Kasperowicz, L. (2023). Best and cheapest homeowners insurance in Florida in 2023.

Bond, C. (2023). How Much Does it Cost To Move to Florida in 2023? Moving Advice From HireAHelper.

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