State income tax in AZ is small.
SS is fully deductible and medical expenses too.
Property taxes are, depending on location, also reasonable. You just have to avoid progressive areas.
I figured out that I pay less overall taxes then what I would pay if I moved to no-tax Texas. There are very high property taxes and expensive tool roads.
I did not looked into FL, but I suspects it is the similar.
But, even if there were 0 taxes or even if they pay me to live there, I would not.
There is just something in the air, which makes me sick!
Yes humidity combined with 100+ temps is unbearable for a picnic. But it is always breezy and tolerable temp on beach at 7 AM. I have not been sick since moving here in 2016. Best part is I can jump on a last minute discount cruise with 90 minute drive to second largest cruise port in Port Canaveral.
In 9 years I am here, did 20+ cruises of 4 to 7 days. Zero state income tax paid for all the cruises. When I croak, my kids will not pay state death tax in Florida. I am already 85 so I plan on dying in FL. I dropped home insurance 5 years ago. Chances of house burning down are ridiculously small. Also pay no auto liability insurance, since in FL one can self insure by showing $40k in assets.
Only thing I dislike in FL is I gave up golf. Weather is too hot for 8 months to walk 18 holes. That is the only thing I miss from WA-OR border where 9 months were great weather for golf.
You are right about state income tax in AZ is now flat 2.5%
It used to be based on income bracket and I remember my tax rate was high when I retired in 1999.
My house is worth $400kon market. My property tax bill for next year is $2850. Sales tax 6.5%. with no home insurance and cost free self insurance certificate, my living expenses are ridiculously small. So I can go on a Caribbean cruise every month with 90 minutes drive to cruise port.