What a plumbing, HVAC or electrical tech earns in Florida, what the state adds to payroll, whether labor is taxed, what a license costs, how lien rights work and when the heating and cooling seasons peak — each figure from the agency that sets it, with the date we read it.
Wages BLS OEWS May 2025
Payroll and licenses state agencies
Checked and
Plumbing median
$25.44/h−17.1% vs the U.S.48th of 51
HVAC median
$27.24/h−7.1% vs the U.S.41st of 51
Electrical median
$27.52/h−9.4% vs the U.S.48th of 51
New-employer SUTA
2.70%on the first $7,000
Payroll programs
Noneno paid-leave or disability program found
Sales tax on labor
Not taxedrepair and installation on buildings
1Pay in Florida
Hourly pay across all industries, May 2025. Half of the workers in each trade earn less than the median and half earn more; one in ten earns less than the 10th percentile. Union and non-union, no self-employed.
Hourly pay, 10th to 90th percentileDrawn to scale: one dollar axis for all three trades
PlumbingU.S. median $30.67
$25.44$18.72$35.39
plumbers: 10th percentile $18.72, 25th $22.70, median $25.44, 75th $30.20, 90th $35.39 an hour; U.S. median $30.67.
HVACU.S. median $29.33
$27.24$18.45$37.60
HVAC techs: 10th percentile $18.45, 25th $22.51, median $27.24, 75th $30.59, 90th $37.60 an hour; U.S. median $29.33.
ElectricalU.S. median $30.38
$27.52$18.36$37.10
electricians: 10th percentile $18.36, 25th $22.91, median $27.52, 75th $29.76, 90th $37.10 an hour; U.S. median $30.38.
$10$20$30$40
25th–75th percentile
State median
U.S. median
Hourly pay by percentile for plumbers, HVAC techs and electricians in Florida, BLS OEWS May 2025
Percentile
Plumbing
HVAC
ElectricalElec.
10th
$18.72
$18.45
$18.36
25th
$22.70
$22.51
$22.91
Median
$25.44
$27.24
$27.52
75th
$30.20
$30.59
$29.76
90th
$35.39
$37.60
$37.10
Mean
$26.94
$27.55
$27.72
U.S. median
$30.67
$29.33
$30.38
vs U.S.
−17.1%
−7.1%
−9.4%
Rank
48th
41st
48th
Jobs
29,260
39,160
49,700
Dollars an hour. BLS occupations: Plumbers, pipefitters and steamfitters (SOC 47-2152); Heating, air conditioning and refrigeration mechanics and installers (SOC 49-9021); Electricians (SOC 47-2111). “vs U.S.” compares the medians; rank 1 is the highest median of the 50 states and DC. Released May 15, 2026; the next survey is due each spring.
2Payroll costs the state adds
What Florida charges an employer on top of wages: unemployment tax, and any paid-leave or disability program funded through payroll, and who must carry workers’ comp. Federal Social Security, Medicare and unemployment tax apply in every state and are already in the calculator. Workers’ comp premiums depend on the class code and the insurer, so the card gives the rules, not a rate.
Per tech, a year2.70% × $7,000 = $189At the new-employer rate, for a plumber paid the state median ($25.44 × 2,080 h = $52,915). The calculator uses the rate alone.
1 employee in construction · 4 employees otherwiseConstruction-industry employers must carry coverage with one or more employees; other employers with four or more. Owners who are corporate officers or LLC members count as employees in both cases (Fla. Stat. § 440.02). myfloridacfo.com
Where to buy it
Private insurersEmployers insure with a stock or mutual company, association or exchange authorized in Florida, or self-insure with approval (Fla. Stat. § 440.38(1)). leg.state.fl.us
Owners
Corporate officers and LLC members (an LLC member must own at least 10%) can exclude themselves only by filing a Notice of Election to be Exempt with the Division; the exemption goes to the person, not the business. Outside construction, sole proprietors and partners are not employees unless they elect coverage on form DWC-251. myfloridacfo.com
Construction
In construction, no more than three officers of a corporation (or group of affiliated corporations) may be exempt, and each must own at least 10% of the stock (Fla. Stat. § 440.02). Contractors must confirm every subcontractor has coverage before work starts; an uninsured sub’s workers become the contractor’s employees. leg.state.fl.us · myfloridacfo.com
Statute and agency pages read
Paid leave and disability insurance
We found no state paid family and medical leave or temporary disability insurance program funded through payroll in Florida on October 28, 2026. State paid sick leave rules, where they exist, are not covered here.
New-employer rates usually last one to three years — longer in some states (four years in Indiana, four to five in D.C.); then the state assigns your own rate, and your rate notice wins over any figure here. The calculator below uses the new-employer rate where one is clear. Where a state’s own pages could not be read, the card says so and gives the U.S. Labor Department’s figure.
3What a shop in Florida needs to charge
The calculator’s example shop — three techs, $120,000 of overhead, a truck each, 10% net profit — with Florida’s median wage for each trade and its unemployment tax filled in. Your own numbers will differ; change them in the calculator below.
Example shop
Break-even
Rate, 10% profitRate
Plumbingwage $25.44
$101.41
$112.68→ $115
HVACwage $27.24
$105.27
$116.97→ $120
Electricalwage $27.52
$105.87
$117.64→ $120
Per billable hour; → is the rate rounded up, as the calculator rounds it. Everything except the wage and the unemployment tax is the national example (BLS, IRS and DOL figures listed on the labor rate calculator).
4Change the numbers for your shop
The labor rate calculator, opened on Florida: pick your trade, put in your own crew, pay and overhead, and the rate and break-even redraw as you type.
Your labor rate
Example shop in Florida: 3 techs at the state’s median plumber wage, $120,000 overhead. Change any number or pick another state.
Charge at least Example shop · Florida
$112.68per billable hour
Charge at least $112.68 per billable hour; break-even $101.41.
Truck per billable hour$16,719.14 ÷ 1,216.8 h = $13.74
Break-even$54.80 + $32.87 + $13.74 = $101.41
Rate at 10% profit$101.41 ÷ (1 − 10%) = $112.68
5Sales tax on your work
What Florida’s tax agency says about repair and installation labor on buildings and the parts and fixtures that go into them. This is what the agency’s pages say, not tax advice.
Labor
Not taxedOn lump-sum, cost-plus, guaranteed-price or time-and-materials contracts for real property, the contractor charges the customer no tax, even when materials and labor are itemized.Retail sale plus installation contracts (all materials itemized and priced before work starts) are taxed on the materials, not the installation labor. Repairs to a mobile home with an MH decal, or with no decal, are taxed on the whole charge, labor included.
Materials
Contractor, when buyingNormally the contractor is the ultimate consumer and pays tax to its suppliers on all purchases; under a retail sale plus installation contract it buys the itemized materials tax-exempt and charges the customer tax on them.
The license a shop needs from the state to contract for each trade, the board that issues it and the fees on its own schedule. Cities and counties can add their own licenses, registrations and permit fees; exam vendors and fingerprinting may charge more.
Plumbing Certified Plumbing Contractor (CF), qualifying a business (form DBPR CILB 6-M)A person must be certified or registered to engage in the business of contracting in Florida (Fla. Stat. 489.113(2)); a plumbing contractor executes contracts to install, maintain, repair, alter, extend or design plumbing.
HVAC Certified Class A Air Conditioning Contractor (CA) (form DBPR CILB 6-G); alternatively Certified Mechanical Contractor (CM)A person must be certified or registered to engage in the business of contracting in Florida (Fla. Stat. 489.113(2)); a class A air-conditioning contractor’s services are unlimited for central air-conditioning, refrigeration, heating and ventilating systems.
Fee
Amount
Both
Initial certification application fee(May 1 of even year – Aug 31 of odd year)one-time (covers license to next biennial renewal)
$245
Initial certification application fee(Sept 1 of odd year – Apr 30 of even year)one-time (covers license to next biennial renewal)
$145
State construction exam registration fee(paid to Professional Testing, Inc.)one-time (per registration)
$135
Active renewal fee (certified contractor)2 years ($255 with qualified business)
$205
Plumbing · Certified Plumbing Contractor (CF), qualifying a business (form DBPR CILB 6-M)
Plumbing exam administration fee (paid to DBPR)one-time (per exam)
$80
HVAC · Certified Class A Air Conditioning Contractor (CA) (form DBPR CILB 6-G); alternatively Certified Mechanical Contractor (CM)
Trade Knowledge computer-based test fee(paid to Pearson VUE)one-time (per exam)
$80
Initial certification fee depends on when you apply in the 2-year cycle ($245 or $145). A late renewal (after the Aug 31, 2026 deadline) is $230 ($280 with business); certified licenses renew every two years, next on Aug 31, 2028. Florida also has 'registered' (local-competency-based) contractors who may work only where they hold local certificates; certified licenses are statewide.
PlumbingPlumbing candidates also pay $80 to Pearson VUE for the Business & Finance computer test. Fingerprint, credit-report and insurance costs are extra.
HVACComputer-based candidates also pay $80 for the Business & Finance test.
Keeping the license
Renewal
PlumbingFlorida plumbing contractor licenses renew every two years: certified contractors by August 31 of even-numbered years, registered contractors by August 31 of odd-numbered years. myfloridalicense.comHVACFlorida air-conditioning and mechanical contractor licenses renew every two years: certified contractors by August 31 of even-numbered years, registered contractors by August 31 of odd-numbered years. myfloridalicense.com
Continuing ed.
PlumbingCILB licensees need at least 14 hours of continuing education each two-year cycle, including workers’ compensation, business practices, workplace safety, 1 hour of laws and rules, and Florida Building Code hours for their trade (F.S. 489.115(4)(b)); licensees in their first cycle owe 0 or 7 hours depending on issue date. leg.state.fl.usHVACCILB air-conditioning and mechanical licensees need at least 14 hours of continuing education each two-year cycle, including workers’ compensation, business practices, workplace safety, 1 hour of laws and rules, and Florida Building Code hours for their trade (F.S. 489.115(4)(b)). leg.state.fl.us
Reciprocity
PlumbingThe Construction Industry Licensing Board’s reciprocity agreements (Louisiana, North Carolina, Mississippi) cover only general, building and residential licenses, so none applies to plumbing. Out-of-state plumbers may apply by endorsement, for example after holding a similar license for at least 10 years. myfloridalicense.comHVACThe CILB’s reciprocity agreements (Louisiana, North Carolina, Mississippi) cover only general, building and residential licenses, so none applies to air-conditioning or mechanical licenses; endorsement is the route for out-of-state contractors. myfloridalicense.com
Initial certification by examination (Active)one-time (covers license to next biennial renewal)
$296
Active renewal fee (certified)2 years
$296
A late renewal (after the Aug 31, 2026 deadline) is $321 (certified); licenses renew every two years, next on Aug 31, 2028. Certified and registered electrical contractors renew Aug 31 of every even-numbered year (ECLB FAQ). Business must show net worth of at least $10,000; insurance required.
Keeping the license
Renewal
Certified and registered electrical contractors renew with the Electrical Contractors’ Licensing Board every two years, by August 31 of even-numbered years. myfloridalicense.com
Continuing ed.
Electrical contractors need at least 11 hours of continuing education each two-year cycle: at least 7 hours on technical subjects and 1 hour each on workers’ compensation, workplace safety and business practices, plus 2 hours on false alarm prevention if they also do alarm work (F.S. 489.517). leg.state.fl.us
Reciprocity
The Electrical Contractors’ Licensing Board lists no reciprocity agreements; out-of-state electrical contractors may qualify by endorsement with a substantially equivalent exam or license, or after 10 years of licensure in another state with similar scope (F.S. 489.511(5)). myfloridalicense.com
Contractor registration, bond and insurance the state asks of a trade shop
Registration
Florida has no separate statewide contractor registration on top of the trade license: the plumbing or air-conditioning certificate or registration from the Construction Industry Licensing Board, or the electrical certificate or registration from the Electrical Contractors’ Licensing Board, is itself the contractor license (F.S. 489.115, 489.511). Local governments may collect a business tax and permit fees. leg.state.fl.us · myfloridalicense.com
Bond
Florida trade licenses need no bond in general, but when a business qualifies through a Financially Responsible Officer, that officer must post a $100,000 bond payable to the Construction Industry Licensing Board. myfloridalicense.com
Insurance
$100,000Active plumbing and air-conditioning contractors (CILB categories other than general and building) must keep $100,000 liability and $25,000 property damage insurance plus workers’ compensation or an exemption; electrical contractors (ECLB) must carry $300,000 per occurrence, $500,000 property damage and $100,000 per person, or an $800,000 combined single limit. myfloridalicense.com
Board and statute pages read
State or city license?
State and local Who licenses the trades in Florida
Florida licenses these trades both ways: certified contractors pass the state exam and may work statewide, while registered contractors hold a county or city certificate of competency and may work only in that locality (plus adjoining ones that accept it). Cities and counties cannot require a state-certified contractor to get a local competency license for work within the state certificate (F.S. 489.113(4)(a)). myfloridalicense.com
State and city pages read
7Getting paid: liens and payment rules
What Florida law says about lien rights on private jobs — the notices, the deadline to file and the deadline to sue — and whether a statute sets payment deadlines or caps retainage. Read from the statute itself; it is not legal advice.
On a direct contract over $2,500 for a single- or multi-family dwelling of up to four units, the contract itself must carry Florida’s construction-lien warning in at least 12-point capitalized bold type, signed and dated by the owner (§ 713.015). Before suing to enforce the lien, the contractor must deliver a final payment affidavit to the owner at least 5 days before filing (§ 713.06(3)(d)). leg.state.fl.us
Subs and suppliers
Notice requiredEvery lienor without a direct contract with the owner (except laborers) must serve a Notice to Owner before starting or within 45 days after starting work, and in any case before the owner’s final payment; sub-subs and suppliers to subs must also serve the contractor. Missing it is a complete defense to the lien (§ 713.06(2)(a)). leg.state.fl.us
File the lien
90 daysRecord the claim of lien with the clerk no later than 90 days after your final furnishing of labor, services or materials (or 90 days after termination, if earlier), and serve it on the owner before or within 15 days after recording (§ 713.08). The same 90 days applies to subs and suppliers. leg.state.fl.us
Enforce it
1 yearSue to enforce within 1 year after the claim of lien (or an amended claim showing a later final furnishing date) is recorded; if the owner records and serves a Notice of Contest of Lien, the deadline shrinks to 60 days after service (§ 713.22). leg.state.fl.us
Homes
The mandatory lien warning applies only to direct contracts over $2,500 on dwellings of up to four units; a missing warning does not bar enforcement against someone who was not adversely affected, and the rule does not apply when the owner is a licensed contractor or a developer selling parcels (§ 713.015). leg.state.fl.us
Statutes read
Payment deadlines and retainage
Private jobs (public contracts have their own rules)
Prompt payment
Statute sets deadlinesThe Construction Contract Prompt Payment Law covers written private contracts with lien rights: payment is due on the contract’s terms once you send a written request (and, for anyone below the owner, once they have been paid), and late payments bear interest at the s. 55.03 judgment rate plus 12% a year starting the 14th day after payment is due (§ 715.12). leg.state.fl.us
Retainage
Florida sets no percentage cap on private-job retainage; if the contract allows retainage, the owner must pay the balance including retainage within 14 days after substantial completion (architect’s certificate, certificate of occupancy or owner possession) and completion of the punchlist, or interest accrues (§ 715.12(7)). leg.state.fl.us
Statutes read
8Heating and cooling season in Florida
Degree days, NOAA’s index of the energy it takes to heat or cool a building: each degree a day’s mean temperature falls below 65 °F is one heating degree day, each degree above is one cooling degree day. Thirty-year normals for Jacksonville, month by month.
Heating degree days
1,228
Cooling degree days
2,803
Nights ≤ 32 °F
14
Days ≥ 90 °F
80
Normal heating and cooling degree days (base 65 °F) and freezing nights by month at Jacksonville, NOAA 1991–2020 normals
Month
Heating
Cooling
Nights ≤ 32 °F≤ 32 °F
Jan
350
15
6
Feb
234
24
3
Mar
143
64
1
Apr
43
136
–
May
4
311
–
Jun
0
459
–
Jul
0
544
–
Aug
0
530
–
Sep
0
416
–
Oct
25
217
–
Nov
144
61
1
Dec
285
27
4
Cooling carries the load at Jacksonville: 2,803 cooling degree days a year against 1,228 heating degree days, peaking in July (544).
The lightest months for heating and cooling together are April and November (180 and 205 degree days).
Nights at or below 32 °F: about 14 a year. Days reaching 90 °F: about 80 a year, the most in July.
Weighted by where Florida’s people live, NOAA’s statewide normals (1981–2010) are 623 heating and 3,348 cooling degree days — 48th for heating and 1st for cooling among the 48 contiguous states (the contiguous U.S.: 4,332 and 1,272).
Station: Jacksonville (USW00013889), NOAA NCEI U.S. Climate Normals 1991–2020 — station file; statewide figures: NOAA Climate Prediction Center. Bars share one scale: the longest is 544 degree days. Read .
Sources
Each page opened on the date shown. License, registration, lien and workers’ comp sources are linked beside each fact above. Figures change: the agency’s own page wins over this one.