Florida Property Tax Calculator
Estimate your annual Florida property tax based on home value and local rates
Florida Calculator
Plan your property costs
Updated for 2025 with real Florida rates, brackets, and regulations
Florida property taxes average about 0.86% effective rate — significantly lower than the national average of 1.07%. However, rates vary enormously by county: Miami-Dade averages ~1.02%, while Collier County is just ~0.58%. Florida's unique Save Our Homes (SOH) amendment caps annual assessment increases at 3% or CPI (whichever is lower) for homesteaded properties, creating massive savings for long-term owners. Combined with the $50,000 Homestead Exemption, Florida property owners can save thousands annually. Our calculator factors in your county, homestead status, SOH cap, and portability benefits.
Calculate Your FL Tax
Annual Property Tax
$2,954
Monthly Tax
$246
Effective Rate
0.75%
Homestead Exemption
$50,000
SOH Savings
$535
Total Annual Savings
$1,045
County
0Miami-Dade
Breakdown
Insight
With homestead exemption and 5 years of Save Our Homes protection in Miami-Dade County, you save $1,045/year. SOH savings grow each year as market values outpace the 3% assessment cap. Your portability benefit is worth up to $52,419 if you move within Florida.
AI Explanation
What This Means
Based on default inputs, the Florida Property Tax Calculator shows a annual property tax of $2,954. Key figures: Monthly Tax: $246, Effective Rate: 0.75%, Homestead Exemption: $50,000, SOH Savings: $535, Total Annual Savings: $1,045, County: 0Miami-Dade.
Key Insights
With homestead exemption and 5 years of Save Our Homes protection in Miami-Dade County, you save $1,045/year. SOH savings grow each year as market values outpace the 3% assessment cap. Your portability benefit is worth up to $52,419 if you move within Florida.
What You Can Do
Enter your actual figures in the calculator above for a personalized breakdown. Consider consulting a tax professional for comprehensive planning, especially for complex situations involving multiple income sources or deductions.
Keep In Mind
This calculator provides estimates based on 2026 rates. Actual tax liability may vary based on credits, exemptions, and other factors not captured here. This is for educational purposes only and should not be considered tax advice.
How the Florida Property Tax Calculator Works
The Florida Property Tax Calculator uses 2026 tax rates, brackets, and deductions specific to Florida to provide you with an accurate estimate of your tax obligations. Unlike generic federal-only calculators, this tool accounts for the unique tax structure that Florida residents face.
Formula
Property Tax = (Assessed Value - Homestead Exemption) × Millage Rate. SOH Cap: Max 3% annual increase on assessed value. Homestead Exemption: First $25K exempt from all taxes + additional $25K exempt from non-school taxes.Simply enter your financial details above, and the calculator instantly computes your results using the latest available data. All calculations happen directly in your browser — your personal information is never sent to any server or stored anywhere.
Why Use a Florida-Specific Calculator?
State-Specific Rates
Uses real 2026 Florida tax brackets, rates, and thresholds — not generic national averages that miss state-level nuances.
Local Programs & Exemptions
Factors in Florida-specific programs, exemptions, and deductions that national calculators simply don't account for.
Instant & Private
All calculations run locally in your browser. No account required, no data stored, no waiting for results.
AI-Powered Explanations
Get a plain-English breakdown of your results with actionable insights you can actually use for financial planning.
What's Included
Save Our Homes Calculator
See how the 3% annual assessment cap saves you thousands compared to market-value taxation.
County-Specific Rates
Get accurate estimates using real millage rates for all 67 Florida counties.
Homestead + Portability
Calculate your $50K homestead exemption and SOH portability savings when moving within Florida.
Frequently Asked Questions
How does Save Our Homes work in Florida?
Save Our Homes (SOH) caps annual increases in assessed value to 3% or the Consumer Price Index (CPI), whichever is lower, for properties with a Homestead Exemption. This means even if your home's market value jumps 20%, your assessed value can only increase 3%. Over time, this creates a growing gap between assessed and market value, saving long-term owners thousands annually.
What is the Florida Homestead Exemption?
The Homestead Exemption provides up to $50,000 off your property's assessed value. The first $25,000 applies to all property taxes. The second $25,000 applies only to non-school taxes and only on assessed value between $50,000 and $75,000. You must be a permanent Florida resident and file by March 1st.
Can I transfer my SOH savings to a new Florida home?
Yes — Florida's portability provision lets you transfer up to $500,000 of your SOH savings differential to a new homesteaded property anywhere in Florida. You must establish your new homestead within 3 years of abandoning your previous one. This makes moving within Florida much more affordable.
Which Florida county has the lowest property taxes?
Walton County and Monroe County typically have the lowest effective rates around 0.50-0.55%. Collier County (Naples) is also low at ~0.58%. The highest rates are in Alachua County (~1.15%) and Duval County (Jacksonville) at ~1.01%. Miami-Dade averages ~1.02%.
When are Florida property taxes due?
Florida property taxes are due by March 31st, but you get discounts for early payment: 4% discount if paid in November, 3% in December, 2% in January, and 1% in February. The tax year runs January through December, with bills typically mailed in November.
Important Information for Florida Residents
Tax laws in Florida can change annually. This calculator is updated regularly to reflect the latest 2026 rates and regulations, but you should always verify important financial decisions with a qualified Florida tax professional or CPA.
This tool is designed for informational and educational purposes. While we strive for accuracy using official Florida Department of Taxation data, the results should be used as estimates for planning purposes only. Your actual tax liability may differ based on credits, special circumstances, and legislative changes that occur after our last update.
For filing deadlines, payment schedules, and official forms, visit the Florida Department of Taxation and Finance website. If you have complex tax situations involving multiple states, business income, or significant investment gains, professional guidance is recommended.
Related Florida Calculators
Try the Universal Version
Need a calculator that works for any state? Try our generic version: