Taxes in Boca Raton
Florida's no-state-income-tax structure applies fully in Boca Raton, and the combined sales tax rate here is a flat 6.5%, same as the rest of Palm Beach County -- but as elsewhere in South Florida, that advantage should be weighed against genuinely elevated property insurance costs. This page covers state and local tax structure broadly; see property-taxes for the property-tax specifics.
Exploring the idea of moving?
We can connect you with a local real estate professional who knows the area -- no pressure, just a starting point.
Learn moreNo State Income Tax
Florida has no state individual income tax, applying to wages, retirement income, and capital gains alike -- a statewide fact, not specific to Boca Raton, but a genuine draw for people relocating from higher-tax states.
Sales Tax: 6.5% Combined, Same as the Rest of the County
The combined sales tax rate in both Palm Beach County and the City of Boca Raton is 6.5% as of 2026 -- 6% Florida state sales tax plus a 0.5% Palm Beach County surtax, per Avalara and SalesTaxHandbook rate tables. Boca Raton does not levy an additional city sales tax, so the county-wide 6.5% figure applies across the city.
Real Estate Transaction Taxes
Buying or selling property here also triggers Florida's documentary stamp tax ($0.70 per $100 of sale price on the deed, customarily seller-paid, plus $0.35 per $100 on any note) and a 0.2% intangible tax on new mortgages -- statewide, statute-set costs unchanged for 2026. On this site's base-record median sale price of $675,000, the deed doc stamp tax alone works out to about $4,725; see buying-a-home for the full worked example.
Property Taxes in Brief
Property taxes are covered in full on the property-taxes page -- in short, the city millage fell slightly to $3.66 per $1,000 for FY2026 (the lowest full-service-city rate in Florida, per the mayor), while combined effective rates for a full county/city/school/special-district bill are cited differently by different sources, running roughly 0.9%-1.07% depending on which one you use, with meaningful variation by ZIP code on top of that.
The Real Tradeoff Is Insurance, Not Just Taxes
For many households, Florida's no-income-tax advantage is at least partly offset by Boca Raton's homeowners and flood insurance costs, which run well above national and Florida-state averages by most measures (see homeowners-insurance). Anyone comparing total cost of living against a state with income tax should model insurance and property tax together, not income tax savings in isolation.
Key takeaways
- Florida has no state income tax, applying to wages, retirement income, and capital gains -- a real, statewide (not Boca Raton-specific) advantage.
- Palm Beach County and Boca Raton share a flat combined sales tax rate of 6.5% (6% state + 0.5% county) as of 2026, with no additional city sales tax.
- Real estate transactions carry Florida's standard documentary stamp tax ($0.70/$100 on the deed, $0.35/$100 on the note) and a 0.2% intangible tax on new mortgages -- about $4,725 in deed doc stamp alone on the base record's $675,000 median sale price.
- The no-income-tax advantage is meaningfully offset for many households by Boca Raton's insurance costs -- model both together, not income tax alone.
Want to know what your budget actually buys here?
Tell us a bit about what you're looking for and we'll connect you with someone local who can walk you through real numbers.
Get local guidanceRead the full Boca Raton overview for the complete picture -- housing, taxes, climate, and who this place genuinely fits.
Planning a move?
Tell us what you're looking for and we'll connect you with a local expert who can help you make it happen.
Talk to a local expert