Inheritance Tax in Florida: There Isn't One (2025)

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H1

Inheritance Tax in Florida: There Isn't One

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ANSWER SECTION

No, Florida does not have an inheritance tax. Florida also has no estate tax whatsoever. When you inherit assets in Florida, you pay zero state taxes on the inheritance. The only taxes that might apply are federal estate tax (for estates over $13.99 million in 2025) and potential capital gains tax when you sell inherited assets.

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H2: Understanding Inheritance vs. Estate Tax

Many people confuse these two types of taxes:

Type	Who Pays	Florida Has It?
Inheritance Tax	Beneficiaries who receive assets	No
Estate Tax	Estate before distribution to heirs	No
Federal Estate Tax	Estates exceeding threshold	Yes (if over $13.99M)

Inheritance Tax:

• Paid by the person receiving the inheritance
• Based on their relationship to the deceased
• Varies by state (Iowa, Kentucky, Maryland, Nebraska, New Jersey, Pennsylvania have it)

Estate Tax:

• Paid by the estate itself
• Based on total estate value
• Applied before assets distributed

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H2: Federal Estate Tax May Still Apply

While Florida has no estate tax, federal estate tax may apply:

2025 Federal Estate Tax Threshold:

• $13.99 million per individual
• $27.98 million per married couple (with portability)
• Only amounts ABOVE the threshold are taxed

Federal Estate Tax Rates (2025):

Estate Value Above Exemption	Tax Rate
$0 - $10,000	18%
$10,000 - $20,000	20%
$20,000 - $40,000	22%
$40,000 - $60,000	24%
$60,000 - $80,000	26%
$80,000 - $100,000	28%
$100,000 - $150,000	30%
$150,000 - $250,000	32%
$250,000 - $500,000	34%
$500,000 - $750,000	37%
$750,000 - $1 million	39%
Over $1 million	40%

Note: Only about 0.1% of estates owe federal estate tax due to the high exemption.

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H2: Stepped-Up Basis on Inherited Assets

One major tax benefit for Florida heirs is the stepped-up basis rule:

How It Works:

• When you inherit property, your "basis" becomes the fair market value at the date of death
• If you sell immediately, you owe little or no capital gains tax
• Only appreciation AFTER the date of death is taxable

Example:

• Parent bought stock for $50,000
• Stock worth $200,000 at parent's death
• Your stepped-up basis: $200,000
• If you sell for $200,000: $0 capital gains tax
• If you sell later for $220,000: Only $20,000 is taxable gain

This applies to:

• Stocks and securities
• Real estate
• Business interests
• Most appreciated assets

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H2: States With Inheritance Tax (Comparison)

Only six states impose inheritance tax as of 2025:

State	Spouse Exempt?	Children Exempt?	Rates
Iowa	Yes	Yes	0-15%
Kentucky	Yes	Yes (up to $1,000)	4-16%
Maryland	Yes	Yes	0-10%
Nebraska	Yes	No	1-18%
New Jersey	Yes	Yes	11-16%
Pennsylvania	Yes	No (lineal heirs exempt)	4.5-15%

Florida Advantage:

• Moving to Florida from one of these states could save significant inheritance taxes
• No domicile requirement for inheritance tax—the decedent's state of residence determines tax

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H2: Related Tax Questions

Learn about Florida's capital gains treatment in our guide on capital gains tax Florida with the 0% state rate breakdown.

For information on Florida estate tax (also none), see our guide on Florida estate tax with federal thresholds explained.

Compare with Pennsylvania's inheritance tax in our guide on how to avoid Pennsylvania inheritance tax with legal strategies.

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