Cleveland, Columbus, Cincinnati

Moving to Florida from Ohio

What changes when you trade Ohio for Naples or Miami, and how to buy before you arrive.

Coming from Ohio

Closings work much like Ohio's title-company closings, with one Florida twist: title insurance rates are set by the state, and who pays the owner's policy depends on the county.

You're used to title-company closings — Florida works the same way, with state-set title insurance rates.

Your move checklist

Stop paying Ohio state income tax once Florida is your domicile (confirm with your accountant).
A pre-approval from the lender you choose, or proof of funds, to tour homes.
An insurance quote (wind and flood) before you make an offer.
A Florida driver's license within 30 days of becoming a resident, and homestead by March 1.

Naples or Miami

	Naples →	Miami →
Coast	Gulf of Mexico	Atlantic Ocean
County	Collier (and Lee to the north)	Miami-Dade (and Broward to the north)
Main airport	Southwest Florida International (RSW)	Miami (MIA) and Fort Lauderdale (FLL)
Housing	Single-family homes, golf communities, beachfront condos, Gulf-access canals	Condo towers, homes in Coral Gables and Coconut Grove, bayfront
Pace	Mid-size city, sunset beaches	Large, international, bilingual city

Homes for sale now

For sale Re4lty listing

$360,000

4 beds2 baths1,597 sq ft

2985 Moulin Rd, Davenport

With Luciano Dilascio Anan · Re4lty · MLS A12098826

For lease Re4lty listing

$2,750/mo

3 beds2 baths1,300 sq ftCondo

1750 W 46th St # 535, Hialeah

With Kenneth Wolf · Re4lty · MLS A12096895

For sale Re4lty listing

$360,000

2 beds2 baths1,125 sq ft

770 NE 199th St # 107F, Miami

With Luciano Dilascio Anan · Re4lty · MLS A12044436

For sale

$5,290,000

5 beds6 baths4,410 sq ft

7701 Coquina Drive, North Bay Village

Listing courtesy of Douglas Elliman · MLS A12047347

For sale

$320,000

3 beds2 baths

1109 Kraft St., La Belle

Listing courtesy of EXP Realty LLC · MLS A12111425

For sale

$430,000

3 beds3 baths1,566 sq ft

Address withheld, Miami

Listing courtesy of Florida Realty of Miami Corp · MLS A12106793

For sale

$455,000

4 beds3 baths1,975 sq ft

2915 49TH ST W, Lehigh Acres

Listing courtesy of Elsa Realty, LLC · MLS A12073284

For sale

$4,000,000

4 beds3 baths2,193 sq ft

405 W Dilido Dr, Miami Beach

Listing courtesy of Compass Florida, LLC · MLS A12103149

Questions from Ohio movers

How is a Florida closing different from Ohio?

You're used to title-company closings — Florida works the same way, with state-set title insurance rates.

What should I know coming from Ohio?

Closings work much like Ohio's title-company closings, with one Florida twist: title insurance rates are set by the state, and who pays the owner's policy depends on the county.

Can I buy without flying in?

Yes — video tours, e-signatures and remote closings. For in-person tours we ask for a pre-approval or proof of funds.

Can my agent in Ohio refer me?

Yes. Your agent refers you and earns a fee through their broker at closing. You work with a local Re4lty agent, in English or Spanish.