Updated August 7, 2026. Quick answer: every figure Clear Money Guide holds about Florida, on one page, each one copied from a dataset that cites its own statute or agency. Built for reporters on deadline — take any line, follow the link for the source.
What stands out about Florida
These are the figures where Florida differs most from the rest of the country — selected by counting how many jurisdictions share each value, not by editorial preference.
- Formation fee: $125 required ($100 filing fee + $25 registered agent designation) — the only jurisdiction of the 48 we have data for
- Annuity limit: $250,000 deferred-annuity cash surrender; $300,000 for an annuity in benefit — the only jurisdiction of the 47 we have data for
- Grace period days: Not less than 30 days — one of only 2 of 47
- Has law: No — one of only 8 of 51
What dying costs here
- Small estate limit: 150000
- Small estate scope: personal_only
Source and full detail: the cost-of-dying index. Figures copied from those pages, which own them.
Estate and property law status
- Authorized: yes
- Statute or act: Fla. Stat. 117.201-117.305 (Part II, Ch. 117)
- Effective date: 2020-01-01
- Conditions: ‘Online notarization’ means a notarial act using audio-video communication technology through which the principal or witness appears before the notary. The notary must be commissioned under Ch. 117 and separately register as an online notary public with the Dept. of State. RON service providers a…
- Association name: Florida Life and Health Insurance Guaranty Association (FLAHIGA)
- Death benefit limit: $300,000
- Cash surrender limit: $100,000
- Annuity limit: $250,000 deferred-annuity cash surrender; $300,000 for an annuity in benefit
- Aggregate limit: $300,000
- Statute citation: Fla. Stat. § 631.717(12) (Florida Life and Health Insurance Guaranty Association Act, ch. 631 pt. III)
- Extended windows: Annuities (fixed and variable): the policy must provide an unconditional refund for at least 21 days – this one is mandatory
- Refund basis: Fixed annuity: unconditional refund of premiums paid, including any contract fees or charges. Variable or market-value annuity: the cash surrender value provided in the contract plus any fees or charges deducted from the premiums or imposed under the contract, or a refund of all premiums paid
- Grace period days: Not less than 30 days
- Trigger: the due date of any premium after the first
- Coverage during grace: The policy continues in force during the grace period; if the policy becomes a claim during the grace period before the overdue premium (and the current policy year’s deferred premiums, if any) is paid, the amount of such premium or premiums with interest not in excess of 8 percent per year may b…
- Variations: Industrial life insurance: 4 weeks, except that for policies whose premiums are payable monthly the grace period is 1 month but not less than 30 days (Fla. Stat. Sec. 627.504). Group life insurance: 31 days for any premium due except the first (Fla. Stat. Sec. 627.559). Annuity and pure endowment…
Source and full detail: notary rules by state · guaranty association limits · life insurance free-look periods · life insurance grace periods. Figures copied from those pages, which own them.
Working and earning here
- Has law: No
- Disclosure trigger: none
- Salary history ban: no
- Local ordinances: none identified
- Statute citation: Fla. Stat. Title XXXI (Labor), ch. 448 Part I – no disclosure provision; cf. Fla. Stat. Sec. 218.077, Sec. 448.077 (local preemption)
- Authority: statute
- Reciprocity: n/a
- Contested: no
Source and full detail: pay transparency laws by state · paid family leave by state · the convenience-of-the-employer rule. Figures copied from those pages, which own them.
Renting here
- Return deadline: No deductions: 15 days after termination and vacating. Deductions: written notice of intention to impose a claim within 30 days of vacating; if the tenant does not object within 15 days of receiving it, the landlord may deduct and must remit any balance within 30 days of the notice.
- Interest required: conditional
- Statute citation: Fla. Stat. 83.49
Source and full detail: security deposit law by state. Figures copied from those pages, which own them.
Starting a business here
- Formation fee: $125 required ($100 filing fee + $25 registered agent designation)
- Annual report: $138.75
- Publication requirement: none
- Statute citation: Fla. Stat. 605.0213 (fees) and 605.0212 (annual report) — cited from the Division of Corporations schedule; statutory text not separately fetched
- Five year total: at least $819
Source and full detail: LLC cost by state. Figures copied from those pages, which own them.
Tax treatment here
- Has law: No
- Treatment: none
- Rate: n/a – no individual income tax
- Preferential mechanism: none
- Tax year: 2026
- Statute citation: Fla. Const. art. VII, § 5(a)
Source and full detail: capital gains tax by state. Figures copied from those pages, which own them.
For journalists: how to cite this
Clear Money Guide, Florida Money Statistics 2026. https://clearmoneyguide.com/state-money-statistics/florida/. Every figure on this page is copied from a Clear Money Guide dataset that states its own primary source and the date it was read — follow the section links for the statute or agency behind any number. Free to reuse with attribution under CC BY 4.0.
What this sheet does and does not contain
This sheet aggregates; it does not research. Every figure is copied from the owning page linked in each section, and a figure we do not own is simply absent — not estimated, not inferred from a neighbouring state. That is why sheets differ in length: this one states 40 figures, and a state where we hold less will show fewer. A short sheet means we have less, not that the state has less.
Statutory law changes. Each linked owner page carries the date its figures were read; check there before relying on anything here. See also Florida financial adviser statistics and all 51 state money sheets.
General information about published law and public data, not legal, tax or investment advice. No advertising appears on this page and we earn nothing from it.