Homestead exemption
File with the county property appraiser, generally by March 1. The exemption reduces taxable value on a permanent primary residence and is the gateway to Save Our Homes.
Florida Property Tax
Florida property tax estimates (2026)
Florida property tax estimates help buyers and homeowners plan PITI in a high-migration market. Homestead and other exemptions can change what you owe — our tools estimate effective rates for education; your county property appraiser issues the official bill.
Start with the national ZIP-first property tax calculator for a quick estimate, then refine with county data below. National Mortgage Center is not affiliated with any government agency.
Estimated effective state rate
0.78%
Sample tax on a $400,000 home
$3,120
Vs U.S. benchmark (0.90%)
−$480
Counties in this dataset
67
In the current NMC dataset, Florida has an estimated effective property-tax rate of 0.78%, resulting in approximately $3,120 in annual property taxes on a $400,000 home.
Confirm assessments and exemptions with your county property appraiser / tax collector. See Florida Department of Revenue property tax resources for statewide guidance.
National Mortgage Center is not a government agency and is not affiliated with any county assessor, tax collector, or state revenue department.
Top live county pages on this site
Estimates are for educational planning only. They are not your official property tax bill, escrow quote, or appraisal. Confirm with your county assessor or tax collector. National Mortgage Center is powered by Stride Bank, N.A., NMLS #466690. Educational content is not a commitment to lend.
How property taxes work in Florida
Florida has no state individual income tax. Property taxes are local (county, school, municipal, and independent districts). The statewide effective rate is below the national benchmark, but homestead rules and insurance costs matter as much as the millage rate for monthly housing cost.
Homestead property receives an exemption that reduces taxable value (commonly described as $50,000 for most levies, with an additional $50,000 applying to non-school levies for higher-value homes — confirm current brackets with the property appraiser). Save Our Homes then caps annual assessed-value increases on that homestead, generally at 3% or CPI, whichever is lower.
Portability lets a qualifying owner transfer a portion of the Save Our Homes benefit to a new Florida homestead, subject to a statutory cap. A buyer who does not homestead, or who is coming from out of state, should not assume the prior owner’s capped value.
The county property appraiser sets just value and applies exemptions. Millage is adopted by each taxing authority. Non-homestead property does not receive the Save Our Homes cap and can see larger assessment swings after purchase or when rental/second-home status applies.
Exemptions and relief programs
Save Our Homes cap
Once homesteaded, assessed value increases are limited each year. The gap between market value and assessed value is the “portability” amount that may transfer to a new homestead.
Senior, veteran, and widow exemptions
Additional local-option and veteran disability exemptions can further reduce taxable value. Rules and amounts vary by county.
County and metro context
South Florida
Miami-Dade, Broward, and Palm Beach combine moderate effective tax rates with high insurance. Model PITI with both tax and insurance — tax-only estimates understate the escrow.
Tampa Bay and Orlando
Hillsborough, Pinellas, and Orange often sit near the state effective rate. New construction and CDD/HOA fees can add assessments that ACS county averages do not isolate.
Official Florida resource: Florida Department of Revenue — Property Tax. Estimates on this page are for mortgage and relocation planning.
Florida county property tax comparison
Median owner-occupied home value and median real-estate tax paid (ACS), with the county effective rate used in our calculator. Showing the 30 largest counties by owner-occupied households; every county is listed below.
| County | Median home value | Median annual tax | Effective rate |
|---|---|---|---|
| Miami-Dade County | $463,000 | $3,744 | 0.81% |
| Broward County | $414,600 | $3,890 | 0.94% |
| Palm Beach County | $447,300 | $3,858 | 0.86% |
| Hillsborough County | $371,500 | $3,010 | 0.81% |
| Orange County | $390,100 | $2,967 | 0.76% |
| Pinellas County | $355,100 | $2,474 | 0.70% |
| Lee County | $362,200 | $2,858 | 0.79% |
| Duval County | $303,500 | $2,264 | 0.75% |
| Polk County | $266,500 | $1,933 | 0.73% |
| Brevard County | $339,600 | $2,311 | 0.68% |
| Pasco County | $300,900 | $2,206 | 0.73% |
| Volusia County | $313,000 | $2,395 | 0.77% |
| Sarasota County | $411,800 | $3,106 | 0.75% |
| Manatee County | $391,400 | $3,047 | 0.78% |
| Marion County | $243,100 | $1,806 | 0.74% |
| Lake County | $318,400 | $2,433 | 0.76% |
| Collier County | $540,700 | $3,386 | 0.63% |
| Seminole County | $386,900 | $2,599 | 0.67% |
| St. Lucie County | $347,300 | $3,241 | 0.93% |
| St. Johns County | $489,200 | $3,721 | 0.76% |
| Osceola County | $353,300 | $2,700 | 0.76% |
| Escambia County | $257,200 | $1,495 | 0.58% |
| Charlotte County | $328,900 | $2,785 | 0.85% |
| Hernando County | $276,000 | $1,858 | 0.67% |
| Leon County | $301,800 | $2,397 | 0.79% |
| Clay County | $312,500 | $2,241 | 0.72% |
| Alachua County | $288,800 | $2,773 | 0.96% |
| Sumter County | $385,400 | $3,014 | 0.78% |
| Citrus County | $245,500 | $1,430 | 0.58% |
| Santa Rosa County | $329,800 | $1,891 | 0.57% |
Florida county directory
Highest property tax rates in Florida
Among counties currently in the NMC dataset for this state.
- 1. Alachua County0.96%
- 2. Broward County0.94%
- 3. St. Lucie County0.93%
- 4. Liberty County0.90%
- 5. Palm Beach County0.86%
Lowest property tax rates in Florida
Among counties currently in the NMC dataset for this state.
- 1. Walton County0.45%
- 2. Washington County0.46%
- 3. Jackson County0.50%
- 4. Calhoun County0.51%
- 5. Gadsden County0.53%
Alachua County
Estimated effective rate: 0.96%
Baker County
Estimated effective rate: 0.64%
Bay County
Estimated effective rate: 0.58%
Bradford County
Estimated effective rate: 0.55%
Brevard County
Estimated effective rate: 0.68%
Broward County
Estimated effective rate: 0.94%
Calhoun County
Estimated effective rate: 0.51%
Charlotte County
Estimated effective rate: 0.85%
Citrus County
Estimated effective rate: 0.58%
Clay County
Estimated effective rate: 0.72%
Collier County
Estimated effective rate: 0.63%
Columbia County
Estimated effective rate: 0.74%
DeSoto County
Estimated effective rate: 0.83%
Dixie County
Estimated effective rate: 0.62%
Duval County
Estimated effective rate: 0.75%
Escambia County
Estimated effective rate: 0.58%
Flagler County
Estimated effective rate: 0.76%
Franklin County
Estimated effective rate: 0.63%
Gadsden County
Estimated effective rate: 0.53%
Gilchrist County
Estimated effective rate: 0.65%
Glades County
Estimated effective rate: 0.85%
Gulf County
Estimated effective rate: 0.63%
Hamilton County
Estimated effective rate: 0.73%
Hardee County
Estimated effective rate: 0.82%
Hendry County
Estimated effective rate: 0.80%
Hernando County
Estimated effective rate: 0.67%
Highlands County
Estimated effective rate: 0.72%
Hillsborough County
Estimated effective rate: 0.81%
Holmes County
Estimated effective rate: 0.54%
Indian River County
Estimated effective rate: 0.69%
Jackson County
Estimated effective rate: 0.50%
Jefferson County
Estimated effective rate: 0.62%
Lafayette County
Estimated effective rate: 0.55%
Lake County
Estimated effective rate: 0.76%
Lee County
Estimated effective rate: 0.79%
Leon County
Estimated effective rate: 0.79%
Levy County
Estimated effective rate: 0.63%
Liberty County
Estimated effective rate: 0.90%
Madison County
Estimated effective rate: 0.83%
Manatee County
Estimated effective rate: 0.78%
Marion County
Estimated effective rate: 0.74%
Martin County
Estimated effective rate: 0.77%
Miami-Dade County
Estimated effective rate: 0.81%
Monroe County
Estimated effective rate: 0.53%
Nassau County
Estimated effective rate: 0.71%
Okaloosa County
Estimated effective rate: 0.57%
Okeechobee County
Estimated effective rate: 0.74%
Orange County
Estimated effective rate: 0.76%
Osceola County
Estimated effective rate: 0.76%
Palm Beach County
Estimated effective rate: 0.86%
Pasco County
Estimated effective rate: 0.73%
Pinellas County
Estimated effective rate: 0.70%
Polk County
Estimated effective rate: 0.73%
Putnam County
Estimated effective rate: 0.78%
Santa Rosa County
Estimated effective rate: 0.57%
Sarasota County
Estimated effective rate: 0.75%
Seminole County
Estimated effective rate: 0.67%
St. Johns County
Estimated effective rate: 0.76%
St. Lucie County
Estimated effective rate: 0.93%
Sumter County
Estimated effective rate: 0.78%
Suwannee County
Estimated effective rate: 0.71%
Taylor County
Estimated effective rate: 0.65%
Union County
Estimated effective rate: 0.58%
Volusia County
Estimated effective rate: 0.77%
Wakulla County
Estimated effective rate: 0.64%
Walton County
Estimated effective rate: 0.45%
Washington County
Estimated effective rate: 0.46%
Florida property tax FAQs
Will my Florida tax bill match the seller’s bill?
Usually not in the first year if the seller had a long-held homestead cap. A new owner files homestead after closing; Save Our Homes protection starts after the homestead is granted, not automatically at purchase.
Does Florida have a property tax on cars or only real estate?
This calculator estimates real-property (real estate) tax for housing-cost planning. Tangible personal property and vehicle taxes are separate.
Related planning resources for Florida
Florida property tax calculatorMonthly payment calculator (PITI)Florida FHA loan limitsCompare loan optionsGet a personalized mortgage estimateNational property tax calculator
FHA limit context in Florida
Some counties follow standard FHA limits while higher-cost counties may qualify for elevated FHA limits.
FHA 1-unit floor $541,287 · ceiling $1,249,125. Property tax estimates on this page are separate from loan limits.
View Florida FHA loan limitsNeed the national view?
Return to the national Property Tax Calculator to compare across states and scenarios.
Methodology
Statewide effective rates use 2024 ACS owner-occupied data. County rates are median real-estate taxes paid divided by median owner-occupied home value (ACS 2020–2024 5-year). Last reviewed August 13, 2026. Estimates only — confirm with the local taxing authority.
On a $400,000 home, the U.S. benchmark used for comparison is 0.90% ($3,600 / year).