Moving from Florida to Iowa
Moving from Florida to Iowa covers about 1,162 miles — a mid-distance interstate move. Whether you drive a rental truck or hire movers, this checklist keeps every step on track.
Generate My ChecklistFL vs IA at a Glance
Income Tax
Sales Tax
Time Zone
You'll be changing time zones
Distance
Moving Cost
Professional move, 2–3 BR home. Summer +20–30%.
What This Move Means for You
Modest cost-of-living shift
Overall costs in Iowa are about 12% lower than in Florida — enough to notice on housing, but not a dramatic change.
New state income tax to plan for
Florida has no state income tax, but Iowa's top rate is about 3.8%. Factor the change into your take-home pay and monthly budget.
Higher property taxes
Iowa's effective property tax rate (1.33%) is higher than Florida's (0.78%). If you plan to buy, weigh the extra annual cost into your budget.
Colder winters ahead
Iowa averages 21°F cooler than Florida. Pack cold-weather clothing and expect higher heating bills through the winter.
Before You Leave Florida
Surrender the Florida plate before you cancel the insurance
The plate belongs to the state. Turn it in at a motor vehicle service center or a Tax Collector office before you drop Florida coverage. You can also mail it in with a request to cancel and recycle it. If you drop the insurance while the plate is still active, you face financial responsibility sanctions and a suspended driving privilege. Keep the receipt. If you paid the initial registration fee on that vehicle, the receipt can be credited toward a future registration.
Source: FLHSMV, License Plates and RegistrationKeep the Florida policy alive until the new registration exists
Florida tells departing residents to keep coverage until the vehicle is registered in the new state or all valid plates and registrations are surrendered. If you stay with the same insurer, it can switch the coverage to your new state when you change the registration. A lapse can suspend your driving privilege for up to three years. There is no hardship license for insurance suspensions.
Source: FLHSMV, Florida Insurance RequirementsThere is no final Florida income tax return
Florida has no personal income tax, inheritance tax, gift tax, or tax on intangible personal property. Leaving creates no part-year state return and no final filing.
Source: Florida Department of Revenue GT-800025Tell the county property appraiser you are no longer a permanent resident
Homestead exemption ends when the property stops being your permanent home, and you must report it. An appraiser may later find that you got the exemption in any of the previous 10 years without being entitled to it. The property then owes the exempted taxes plus a penalty of 50 percent of the unpaid taxes for each year. It also owes 15 percent interest per year, enforced through a recorded tax lien. Contact the appraiser in the county where the property is as soon as you establish residency elsewhere.
Source: Florida Statutes s. 196.161Your Moving Timeline
8 Weeks Before
At about 1,162 miles (~21 hours), you can drive a rental truck or hire movers — compare both. If you drive, plan an overnight stop and factor in fuel and lodging.
4 Weeks Before
Notify your utility providers, update your address with USPS, and begin packing non-essential items.
1 Week Before
Confirm with your movers, finish packing, clean your home, and prepare a moving day essentials bag.
Moving Day
Supervise loading, do a final walkthrough of your old home, and hand over the keys.
After the Move
Update your driver's license at the Iowa DMV, register to vote in IA, and set up your new utilities.
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Climate Comparison
Florida
Subtropical with warm temperatures year-round, high humidity, and frequent summer thunderstorms.
Iowa
Humid continental with cold, snowy winters and warm summers.
Utilities & Cost of Living
Florida
Iowa
Frequently Asked Questions
How far is it from Florida to Iowa?
The driving distance from Florida to Iowa is approximately 1,162 miles — about 21 hours of driving at highway speeds.
How much does it cost to move from Florida to Iowa?
A professional interstate move from Florida to Iowa typically costs between $4,000 and $7,500, depending on the size of your home and time of year.
- Summer moves (May–September) tend to cost 20–30% more.
What is the cost of living difference between Florida and Iowa?
Florida has a cost of living index of 100.7 versus 88.6 for Iowa (US average = 100).
- Overall, Iowa is about 12% lower than Florida.
How do property taxes compare between Florida and Iowa?
Florida's effective property tax rate is about 0.78%, versus 1.33% in Iowa.
- On a typical home that difference raises your annual holding costs, so factor it in if you plan to buy.
How soon do I need to update my driver's license after moving to Iowa?
After establishing residency in Iowa, you have 90 days to update your driver's license at a Iowa DMV office.
- Vehicle registration is a separate transaction with its own deadline, which in most states differs from the license deadline — confirm both with the Iowa DMV before you go.
What is the climate like in Iowa?
Iowa has humid continental with cold, snowy winters and warm summers.
- The annual average temperature is 50°F, with about 35 inches of precipitation per year.
- Average monthly electricity bills run around $112.