All 67 counties · 2026 millage rates
What your Florida home will cost you each year
Florida has no income tax, a homestead exemption that splits in two, and a cap that quietly builds value you can take with you when you move.
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Exemptions you have, or could have
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Estimated annual tax on this purchase
$6,525
That is $544 a month, or 1.57% of market value. Pay in November and it drops to $6,264 — Florida discounts 4% for early payment.
How we got there
| Market value | $415,000 |
| Assessed value (= purchase price) | $415,000 |
| School taxable (less $25,000) | $390,000 |
| Non-school taxable (less $51,411) | $363,589 |
| Total millage | 1.75% |
| Annual tax | $6,525 |
The school share of the rate is estimated at 35% — your county’s millage sheet gives the exact split, and it matters because the second slice of the homestead exemption comes off non-school taxes only.
CDD assessments and other non-ad-valorem charges are billed on top of this and are not included. They appear as separate lines on your bill.
Pay early, pay less
Bills arrive in November with a 4% discount attached. It falls to 3% in December, 2% in January, 1% in February, and nothing after that. The full amount is due by 31 March.
The TRIM notice is your window
It arrives in August with the proposed assessment and rates. You have 25 days from the date on it to petition the Value Adjustment Board — after that the number stands.
What this does not cover
CDD assessments, solid waste and stormwater charges, and any county or city exemption above the state minimum. They are separate lines on the bill.
Rates by county
All 67 counties →| County | Effective rate | Tax on $400,000 with homestead | |
|---|---|---|---|
| Miami-Dade County | 1.75% | $6,262 | County page |
| Broward County | 1.50% | $5,367 | County page |
| Palm Beach County | 1.34% | $4,795 | County page |
| Hillsborough County | 1.78% | $6,369 | County page |
| Orange County | 1.18% | $4,222 | County page |
| Pinellas County | 0.76% | $2,720 | County page |
| Duval County | 1.14% | $4,079 | County page |
| Lee County | 1.41% | $5,045 | County page |
| Polk County | 1.55% | $5,546 | County page |
| Brevard County | 1.38% | $4,938 | County page |
| Volusia County | 1.42% | $5,081 | County page |
| Sarasota County | 1.14% | $4,079 | County page |
The example applies the full $51,411 homestead exemption to a $400,000 assessment, splitting it as a real bill does — $25,000 against every levy and the remainder against non-school levies only. CDD and other non-ad-valorem charges are excluded.
Common questions
Why is my neighbour's bill lower than mine?
Save Our Homes. Their assessed value has been capped at 3% growth a year, or CPI if lower, for as long as they have held the homestead. Yours resets to market value when you buy. Two identical houses on one street can carry very different bills.
What happens to my Save Our Homes benefit if I move?
Up to $500,000 of it moves with you to another Florida homestead, on form DR-501T, within three tax years. If you buy somewhere worth at least as much, the full benefit transfers. If you downsize, you transfer a proportional share instead — you keep the same ratio of assessed to market value rather than the same dollar amount.
Why does the homestead exemption have two numbers?
Because they apply to different taxes. The first $25,000 comes off every levy including schools. The additional $26,411 comes off non-school levies only. That is why your bill shows two different taxable values.
Is it worth paying early?
Yes, and more than most people realise. Pay in November and you get 4% off; December 3%, January 2%, February 1%. On a $6,000 bill that is $240 for paying a few months sooner.
What is the TRIM notice?
The Truth in Millage notice arrives in August and is your one clear look at the proposed assessment and rates before the bill. If you disagree, you have 25 days from the date on it to petition the Value Adjustment Board.
Does this include CDD fees?
No. Community Development District assessments and other non-ad-valorem charges are set per district and billed as separate lines. In newer master-planned communities they can add well over $1,000 a year.