Florida Mortgage Snapshot
Florida Mortgage + Property Tax Snapshot (2026)
Compare Florida property tax context, FHA limit tier signals, and county-level navigation so you can plan financing scenarios faster.
Estimated Effective State Rate
0.78%
Sample Annual Tax on $425,000 Home
$3,315
FHA State Tier
Mixed Standard + High-Cost County Tier
County/Locality Pages
8
Florida Property Tax Calculator
Florida homestead exemptions may reduce taxable value for eligible primary residences. Estimate taxes in Miami-Dade, Broward, Hillsborough, and other counties with our calculator.
FHA Limit Tier Context in Florida
State Tier Signal
Some counties follow standard FHA limits while higher-cost counties may qualify for elevated FHA limits.
FHA 1-Unit Floor
$541,287
FHA 1-Unit Ceiling
$1,249,125
What Homebuyers in Florida Should Know
- Lower effective property taxes can support payment flexibility in some scenarios.
- Homestead exemptions may reduce taxable value for eligible owner-occupied homes.
Florida County and Locality Pages
Broward County
Estimated effective rate: 0.87%
Duval County
Estimated effective rate: 0.76%
Hillsborough County
Estimated effective rate: 0.79%
Lee County
Estimated effective rate: 0.73%
Miami-Dade County
Estimated effective rate: 0.81%
Orange County
Estimated effective rate: 0.76%
Palm Beach County
Estimated effective rate: 0.85%
Pinellas County
Estimated effective rate: 0.75%
Need the National View?
Return to the national Property Tax Calculator to compare across states and scenarios.
Methodology and Data Sources
- Tax Foundation Facts & Figures: Property Tax as Percent of Home Value - State-level effective property tax rates (Updated: 2026-02-19)
- HUD/FHA Mortgagee Letter 2025-23 - 2026 FHA floor and high-cost ceiling frameworks (1-4 unit) (Updated: 2026-01-01)
Educational guidance only. Final loan terms and eligibility vary by county limits, credit, income, property profile, and lender guidelines.