Updated October 4, 2026. Quick answer: No state deduction, because there is no state income tax to reduce. The Florida Department of Revenue says “The State of Florida does not have a personal income tax”.
What Florida allows for 529 contributions
| Item | What the documents say |
|---|---|
| Treatment | Not applicable: no personal income tax |
| Limit | None |
| Source | Florida Department of Revenue |
A $10,000 contribution by a married couple
A married couple who put $10,000 into a 529 account for one child deducts $0 on a Florida return, because there is no Florida personal income tax return to deduct it on.
Optional adviser-matching service
Balance education savings with retirement
For U.S. investors with $250,000 or more in investable assets. Want help balancing education savings with retirement? Request adviser introductions for your wider investment plan.
This is investment-adviser matching, not 529 enrollment or tax-return preparation.
WiserAdvisor is an independent matching service. Free to request, with no obligation to hire. Request up to three adviser introductions; a match is not guaranteed. Submitting its form allows calls, texts and emails from WiserAdvisor and up to three advisers.
Clear Money Guide may earn a referral payment for a qualifying completed form. Advisers pay for introductions; an introduction is not a Clear Money Guide recommendation.
Compare investment advisersOpens on WiserAdvisor’s site in a new tab.
What changes in 2026
No change for 2026 appears in the document read for this page.
Federal rules
A state break sits beside the federal rules for 529 plans: the statute is 26 U.S.C. 529 and the IRS explains it in Publication 970, Tax Benefits for Education.
Common mistakes
- Looking for a Florida deduction form; there is none.
Related: how Florida taxes retirement income, whether Florida taxes pensions, the five questions behind any 529 state tax break, and the state-by-state table of 529 deductions.
Sources
- Report Tax Violations (Income Tax as Related to Child Support): https://floridarevenue.com/taxes/compliance/Pages/violations.aspx
Sources: the primary documents linked above, read on October 4, 2026. General information, not tax advice. Your own facts decide the outcome, and a preparer, the plan administrator or the agency itself is the right place to confirm anything consequential.