Nurse Salary in Florida After Taxes (2026): RN Take-Home
From MyCashCalc, the free finance reference
Quick answer: a registered nurse earning the Florida average of $90,650 (BLS OEWS, May 2025) takes home about $72,602 a year ($6,050 a month) under 2026 federal tax rules, because Florida has no state income tax on wages.
- Florida RN median wage: $84,190, which nets about $68,058 a year (BLS OEWS, May 2025)
- National RN mean: $101,420; national median: $97,550 (BLS OEWS, May 2025)
- Employed RNs in Florida: 229,940
- 2026 federal standard deduction for a single filer: $16,100 (IRS Rev. Proc. 2025-32)
All take-home figures on this page assume a single filer, biweekly pay and no pre-tax benefits. For your own numbers, use our Paycheck Calculator.
Florida RN Salary: Gross Pay Breakdown
| Period | Amount |
|---|---|
| Annual (BLS mean, May 2025) | $90,650 |
| Monthly | $7,554 |
| Biweekly | $3,487 |
| Weekly | $1,743 |
| Hourly (annual ÷ 2,080 hours) | $43.58 |
Federal Tax Breakdown (Single Filer, 2026)
Brackets and the standard deduction come from IRS Rev. Proc. 2025-32, which sets the 2026 values.
| Component | Amount |
|---|---|
| Gross salary | $90,650 |
| Standard deduction | −$16,100 |
| Federal taxable income | $74,550 |
Federal income tax on $74,550:
| Bracket | Income Range | Rate | Tax |
|---|---|---|---|
| 10% | $0 to $12,400 | 10% | $1,240.00 |
| 12% | $12,400 to $50,400 | 12% | $4,560.00 |
| 22% | $50,400 to $74,550 | 22% | $5,313.00 |
| Total federal income tax | $11,113 |
FICA taxes:
| Tax | Rate | Amount |
|---|---|---|
| Social Security | 6.2% on $90,650 | $5,620.30 |
| Medicare | 1.45% on $90,650 | $1,314.43 |
| Total FICA | $6,935 |
Total federal burden: about $18,048
Florida State Tax
Florida does not tax wages, so the paycheck carries no state income tax line. There is also no state disability payroll deduction of the kind California withholds.
Take-Home Pay Summary: Florida RN
| Deduction | Amount |
|---|---|
| Federal income tax | $11,113 |
| FICA (SS + Medicare) | $6,935 |
| FL state income tax | $0 |
| Total deductions | $18,048 |
| Annual take-home | $72,602 |
| Monthly take-home | $6,050 |
| Biweekly take-home | $2,792 |
Effective total tax rate: about 19.9%
At the Florida median of $84,190 the same method gives $9,692 of federal income tax, $6,441 of FICA and a take-home of about $68,058 a year ($5,671 a month).
Florida RN vs. Other States: Take-Home Comparison
Gross salaries are BLS state annual means for registered nurses (OEWS, May 2025). Net pay is our 2026 calculation for a single filer, including state income tax and, for California, SDI.
| State | Mean RN Salary | Annual Take-Home | Monthly Take-Home | State Income Tax |
|---|---|---|---|---|
| California | $150,280 | ~$102,298 | ~$8,525 | Yes |
| New York | $113,440 | ~$82,917 | ~$6,910 | Yes |
| Texas | $95,380 | ~$75,930 | ~$6,327 | No |
| Florida | $90,650 | ~$72,602 | ~$6,050 | No |
Florida keeps about 80 cents of each gross dollar, more than New York (about 73) or California (about 68). Lower gross pay still leaves Florida last of the four in dollars. The New York figure excludes New York City income tax, and the California figure uses the 1.3% SDI rate the EDD set for 2026.
Florida Nurse Pension: FRS
Nurses on the payroll of a Florida public employer that participates in the Florida Retirement System (FRS) contribute 3% of salary (FRS, myfrs.com). Nurses at private hospitals usually get a 401(k) or 403(b) plan instead.
On $90,650, the FRS contribution is $2,719.50 a year. If that contribution is withheld before federal income tax, as an employer pick-up normally is, federal tax falls to about $10,515 and take-home after the pension lands near $70,481 a year ($5,873 a month). Your pay stub shows how your employer treats it.
Maximizing Take-Home as a Florida RN
| Strategy | 2026 limit | Effect |
|---|---|---|
| 401(k) or 403(b) deferral | $24,500 (IRS) | At $90,650 most of the top slice is taxed at 22%, so each dollar deferred saves up to 22 cents of federal tax |
| Catch-up at age 50+ | $8,000 extra (IRS) | Same treatment as the base deferral |
With no state income tax to plan around, every saving comes from lowering federal taxable income. Deferrals do not reduce Social Security or Medicare tax.
Frequently Asked Questions
How much does a Florida nurse make per hour after taxes?
Spread over 2,080 hours, a $72,602 take-home works out to about $34.90 an hour net, against $43.58 gross.
Why do median and mean RN pay differ in Florida?
BLS reports both. The mean ($90,650) is pulled up by high earners such as experienced specialty nurses, while the median ($84,190) is the midpoint of all Florida RNs. A new graduate will usually start below both.
How much more would a Florida nurse make in Texas?
Comparing BLS state means, Texas RNs earn $95,380, or $4,730 more than Florida. Since neither state taxes wages, the take-home gap is about $3,328 a year ($277 a month), slightly smaller than the gross gap because the extra pay is taxed at 22% federally plus FICA.
Is Florida part of the Nurse Licensure Compact?
Florida is a member of the Nurse Licensure Compact (Florida Board of Nursing, Nurse Compact FAQs), so an RN with a Florida multistate license can practice in other compact states without a new license.
See Also
- Nurse salary after taxes (all states)
- Nurse salary by state 2026
- Nurse salary in Texas
- Nurse salary in New York
- New York vs. Florida take-home pay
- No income tax states take-home pay
References
- Internal Revenue Service. 2026 federal income tax brackets and standard deduction. irs.gov
- Social Security Administration. 2026 Social Security wage base and FICA contribution rates. ssa.gov
- U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics. bls.gov
- State departments of revenue. 2026 state income tax rates and brackets.
This page was last edited on October 13, 2026. Figures are estimates for informational purposes only and are not tax or financial advice.
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