From the GTA to South Florida — we've done the research, made the move, and built the guide. Cost of living, real estate, taxes, mortgages, lifestyle and more. Written by a dual-licensed REALTOR® who made the journey.
More Canadians than ever — and Torontonians in particular — are making the move or buying a second home in South Florida. The numbers explain why.
| Factor | 🏙️ Toronto / GTA | 🌴 South Florida |
|---|---|---|
| Income Tax | Up to 53.5% combined | 0% state income tax |
| Median Home Price | ~CAD $1.1 million | ~USD $480,000 |
| Property Tax (annual) | ~1.0% of assessed value | ~0.83% of assessed value |
| Average Temperature (Jan) | −5°C (23°F) | 24°C (75°F) |
| Car Insurance (annual avg) | ~CAD $1,800–$2,400 | ~USD $1,200–$1,800 |
| Average Commute (Toronto) | ~60 min each way | Varies by area |
| Average Grocery Spend/mo | ~CAD $800–$1,100 | ~USD $550–$750 |
South Florida averages 250+ sunny days per year. After 30 winters in Toronto, that's not a small thing.
Florida levies zero state income tax. For Canadians earning or investing, this is one of the most significant financial advantages of the move.
Selling a GTA home at $1.1M CAD and buying in South Florida at $480K USD — many Canadians purchase their Florida home outright and still have capital left over.
South Florida — particularly Broward County — has one of the largest Caribbean and Jamaican communities in the world. You won't feel far from home.
Fort Lauderdale and Miami airports offer multiple direct daily flights to Toronto. You're never far from family, business, or Tim Hortons.
It's simpler than you think — and we guide you through every step.
We talk through your goals, budget in CAD or USD, timeline, and whether you're buying to live, snowbird, or invest.
We connect you with lenders who specialize in Canadian buyers — including foreign national mortgage programs that work without a US credit history.
Full access to the Miami REALTORS® MLS. We shortlist properties, arrange virtual or in-person tours, and advise on value and risk.
Per NAR guidelines, we sign a clear written agreement — your rights, our responsibilities, and all compensation disclosed upfront before we tour.
We submit your offer, negotiate strategically, and protect your interests — whether you're in Toronto or already in Florida.
We coordinate inspections, title, and closing — even remotely from Canada. You close, get your keys, and start your Florida life.
Stop guessing. Enter any property price and see your real numbers — down payment, mortgage, closing costs, and total cash needed — all converted to Canadian dollars.
Estimates only · Not financial advice · Consult a mortgage professional
Taxes, housing, groceries, insurance, utilities — we compare every major expense category so you know exactly what your monthly budget looks like on both sides of the border. The results will surprise you.
Read Full Guide →Your bank gives you the worst exchange rate. Here's how specialist FX services can save you thousands on a property purchase.
Read Guide →Deposit structures, assignment clauses, developer reputation, and how to spot the right project. A Canadian investor's honest guide.
Read Guide →Healthcare, mail forwarding, car registration, hurricane insurance, banking — the real details travel blogs skip over.
Read Guide →More guides added regularly · Subscribe for updates
Get All Guides Free →A vetted network of cross-border specialists — so you're never starting from zero.
Foreign national mortgage specialists who understand Canadian buyer profiles. Close without US credit history using income and asset documentation.
Get a Referral →Transfer large amounts from CAD to USD at rates your bank will never offer. Specialist FX services can save you thousands on a property purchase.
Get a Referral →Florida-licensed attorneys experienced in international buyer transactions, FIRPTA withholding, and cross-border title issues.
Get a Referral →CPAs who understand both Canadian and US tax obligations — FIRPTA, rental income, treaty benefits, and what to declare where.
Get a Referral →International movers experienced in cross-border logistics, customs documentation, and Canada-to-Florida relocations.
Get a Referral →Dual-licensed in Ontario and Florida. The only professional in your network who holds active licenses on both sides of the border.
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