Tax Planning for Physicians in Florida (2026)

Physicians in Florida face no income tax on wages on top of the 37% federal bracket and payroll taxes. This guide summarizes the 2026 Florida rules that matter most to doctors, dentists and practice owners.

Florida income tax rates for 2026

Florida does not levy a personal income tax on wages, salaries or self-employment income.

Pass-through entity tax (SALT workaround)

Not applicable. The state does not tax wage or business income for individuals, so there is no state tax to move to the entity level.

Local income taxes

Florida physicians generally do not face a separate city or county income tax on wages.

Planning notes for Florida physicians

• Florida has no personal income tax, which is why many physicians relocate there; a move only works if you truly change domicile and cut ties with your former state.
• Florida taxes C corporations (5.5%) but not S corporations or partnerships at the entity level, so most physician practices pay no Florida income tax.
• With no state tax to deduct, Florida residents get little from the federal SALT deduction, so charitable and retirement strategies become more important for itemizing.

Federal strategies that apply in every state

State tax is only part of the picture. The federal rules drive most of the savings for physicians in Florida:

• W-2 physician tax strategies: maximize 401(k)/403(b), 457(b), HSA and the backdoor Roth.
• 1099 physician tax planning: solo 401(k), deductions and the S corporation decision.
• Practice owners: entity, compensation, cash balance plans and exit planning.
• Real estate and cost segregation for physicians with time to participate.

City guides for Florida physicians

Local taxes and planning notes for physicians in Miami, Tampa, Orlando, Jacksonville, Fort Lauderdale. Our planning is delivered virtually, so location does not limit access.

Guides by specialty

Surgeons · Anesthesiologists · Radiologists · Orthopedic Surgeons · Cardiologists · Dentists · Dermatologists · Emergency Physicians · Gastroenterologists · Ophthalmologists · Neurosurgeons · Plastic Surgeons · Psychiatrists · Hospitalists · Pain Management Physicians

This article is for general educational purposes and is not tax, legal or investment advice. Tax law changes often and its application depends on your facts. Figures reflect 2026 rules as published by the sources listed above. Consult a qualified professional before acting. See our editorial policy.