Florida College Costs & 529 Plan Guide

Average tuition, fees, room & board for Florida colleges in 2026-2027. Compare costs and plan your 529 savings.

🎓 Florida College Cost Overview

PUBLIC IN-STATE (ANNUAL)

$17,200

$68,800 for 4 years

PUBLIC OUT-OF-STATE (ANNUAL)

$35,800

$143,200 for 4 years

UNIVERSITY OF FLORIDA

$21,700

$86,800 for 4 years

PROJECTED IN 10 YEARS (5% INFLATION)

$112,068

$28,017/yr in 2035

💰 Florida 529 Plan Tax Benefits

STATE TAX DEDUCTION

None

No state income tax

FEDERAL TAX BENEFIT

Tax-Free Growth

All 529 earnings grow and are withdrawn tax-free for education

Florida does not offer a state income tax deduction for 529 plan contributions. However, you still benefit from federal tax-free growth and tax-free withdrawals for qualified education expenses.

Calculate Your Savings Plan →

College Savings Strategies for Florida Families

To cover the full 4-year in-state cost at today's prices ($68,800), a Florida family starting at birth would need to save approximately $319/month. Factoring in 5% annual cost inflation and 7% investment returns in a 529 plan, the recommended monthly savings increases to approximately $384.

Monthly Savings Targets for Florida In-State

Starting Age	Monthly Savings Needed	Total Contributed	Est. 529 Growth
Age 0 (18 years)	$384/mo	$83,034	+$82,542
Age 5 (13 years)	$512/mo	$79,889	+$49,844
Age 10 (8 years)	$793/mo	$76,118	+$25,530
Age 13 (5 years)	$1,226/mo	$73,590	+$14,219