OnlyFans Creator Taxes in Florida - 2026 Guide

Updated for 2026 (Filing 2025 Taxes)

Tax Essentials for a OnlyFans Creator in Florida

The Sunshine State offers a unique backdrop for content creation, but navigating the tax landscape as an OnlyFans creator requires careful attention to detail. Revenue generated through platforms like OnlyFans is considered self-employment income by the IRS, meaning creators are responsible for reporting earnings and paying all applicable taxes.

Federally, all income earned through OnlyFans must be reported on Schedule C (Profit or Loss from Business) when filing your annual tax return (Form 1040). Crucially, if net earnings (income minus business expenses) exceed $400, self-employment tax applies. This covers both Social Security and Medicare contributions, and is currently 15.3%.

How Florida Handles Gig Worker Taxes

Florida stands out as one of the few states with no state income tax. This means OnlyFans creators in Florida do not need to file a state income tax return. However, this doesn’t mean tax obligations are nonexistent. While the lack of state income tax is a benefit, Florida’s robust tourism industry and significant cash-based economy can lead to increased scrutiny from the IRS. The IRS may be more likely to audit self-employed individuals, particularly those engaged in cash-intensive or online businesses, in popular tourist destinations like Miami, Orlando, and Fort Lauderdale. Accurate record-keeping and diligent reporting are paramount to avoid potential issues.

Furthermore, even without state income tax, Florida does require businesses to register with the state, especially if operating under a name different from your legal name. This is handled through the Florida Department of State, Division of Corporations, Sunbiz.org. Registering your business, even as a sole proprietorship, demonstrates professionalism and can be beneficial if you ever expand your operations. Sales tax is generally not applicable to digital services like OnlyFans content, but it’s always best to consult with a tax professional to confirm your specific situation. Remember, the absence of state income tax doesn’t equate to a tax-free existence; federal obligations remain fully in effect.

You can find more information about registering your business in Florida at Sunbiz.org.

Key Tax Deductions for Home-Based OnlyFans Creators

• Home Office Deduction: To qualify for the home office deduction, the space must be used exclusively and regularly for business. “Exclusive use” means that portion of your home is used solely for OnlyFans work – it can’t double as a guest room or family space. “Regular use” means you use it consistently for your business. You can calculate the deduction using the simplified method ($5 per square foot, up to 300 square feet) or the actual expense method (calculating a percentage of your mortgage/rent, utilities, etc., based on the square footage used for business).
• Hardware & Software: The cost of equipment essential to your OnlyFans business is deductible. This includes computers, cameras, lighting, microphones, and any necessary software subscriptions like Adobe Creative Cloud, video editing software, or website hosting.
• Internet & Phone Bill: If you use your internet and phone for both personal and business purposes, you can deduct the percentage attributable to business use. For example, if 75% of your internet usage is for OnlyFans content creation and promotion, you can deduct 75% of your internet bill.

Note on Mileage: As a home-based worker, mileage deductions are typically less significant. However, you can claim mileage for any occasional trips taken specifically for work purposes, such as meeting with collaborators, purchasing equipment, or attending relevant industry events.

The 15.3% Self-Employment Tax Explained

The 15.3% self-employment tax is comprised of two components: 12.4% for Social Security and 2.9% for Medicare. This tax effectively covers both the employer and employee portions of these taxes, as you are both the employer and employee when self-employed. It’s calculated on your net earnings – your income after deducting allowable business expenses.