Cardiologist Salary in Florida 2026,
$414,910 Median | BLS Data by City

A median $414,910 a year, or $199.48 an hour, per BLS OEWS May 2025 — 16.4% below the national median of $496,010, with no state income tax deducted. The band runs $211,260 at the 10th percentile to $645,810 at the 90th, and the high floor is notable: even the bottom decile is well above two hundred thousand.

Tampa-St. Petersburg-Clearwater at $515,710 and Jacksonville at $514,740 — the only two published metro rows, and both about a hundred thousand dollars above the $414,910 statewide median. Both are markets with large hospital systems and established interventional cardiology practice.

Payer mix, principally. Florida has the largest Medicare Advantage enrolment of any state, and a great deal of its cardiology is delivered under managed-care contracting rather than fee-for-service. Managed-care networks negotiate rates and manage utilisation in ways that constrain practice revenue relative to commercial fee-for-service markets. That is a structural feature of Florida healthcare rather than a reflection of demand, which is exceptionally high given the state's age profile — and it is offset by no state income tax on any of the $414,910.

Substantially. Florida's Medicare Advantage enrolment is the largest of any state, which means a large share of the cardiology patient population is covered by plans that contract with networks, negotiate rates and manage utilisation. For a cardiologist that changes both the revenue per encounter and the volume dynamics compared with a commercial fee-for-service market. It is the clearest single explanation for a 16.4% gap to the national median in a state with one of the heaviest cardiovascular disease burdens in the country.

Not at all — no state personal income tax and no local income tax, with the prohibition written into the state constitution. At the $514,740 seventy-fifth percentile that is a six-figure annual difference against the highest-taxing states, and it more than offsets the 16.4% gross gap to the national median for most comparisons. It applies to distributed practice profit as well. The offsets are hurricane-driven property insurance and 6% sales tax before county surtaxes.

It changes what practices are paid for and how much discretion they have. In a fee-for-service market, a cardiology practice's revenue tracks procedure and encounter volume fairly directly. Under Medicare Advantage contracting, the plan negotiates rates, may operate prior authorisation for imaging and procedures, and in some arrangements shares risk with the provider group. Florida's enrolment in these plans is the largest in the country, so a larger share of its cardiology revenue runs through that structure than anywhere else. The result is a state with exceptional clinical demand — an old population with heavy cardiovascular disease — and a published median 16.4% below the national figure. Demand and revenue are not the same thing.

Only two metro rows are published, both about a hundred thousand dollars above the state figure, so the geographic picture is thin and skewed toward the strongest markets. With about 920 cardiologists counted, precision should not be over-read. The wage measure excludes partnership distributions, catheterisation laboratory productivity arrangements and call pay, all material in cardiology. And the high floor at $211,260 means the median describes practising cardiologists rather than an average of practice and training — which makes it more usable than most states' medians but also means it should not be compared with them naively.

Procedural subspecialty first — interventional cardiology and electrophysiology carry the highest value and are what the $514,740 seventy-fifth percentile and $645,810 ninetieth describe. Market second, with Tampa-St. Petersburg-Clearwater at $515,710 and Jacksonville at $514,740 both far above the state median. Payer mix third, since a practice weighted toward commercial rather than managed-care contracting earns more per encounter. And practice ownership fourth, which Florida's tax position makes more valuable than in almost any other state.