Correct. Florida has no state income tax, our local sales tax is 7%, we have a property tax exemption on the 1st $25,000 value of our home, and a terrible county school system, except for the academic & arts magnet schools (which are excellent but subject to a lottery system) My children are in private schools, but I also knew that when I moved here & factored it into the cost of living. The COL is much better here than our previous homes (Toronto and Providence)