Florida Property Tax Calculator
Estimate your annual property tax in any of Florida's major counties, compare rates side by side, and calculate savings from homestead exemption, Save Our Homes cap, and portability.
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How to Use This Calculator
Annual Tax tab
Enter your home value (market value or expected purchase price) and select your Florida county. The calculator multiplies your home value by the county's effective tax rate to estimate your annual and monthly property tax. This is a pre-exemption estimate -- switch to the Exemptions tab to see your actual tax after homestead and Save Our Homes savings.
County Comparison tab
View all 8 major Florida counties side by side. Each county shows its effective tax rate, median home value, and median annual tax. Use this to compare the tax impact of buying in different counties -- the difference between the lowest rate (Pinellas, 0.85%) and highest (Lee, 0.98%) can be hundreds of dollars per year on the same home value.
Exemptions & Savings tab
This is where Florida homeowners save the most. Check the homestead exemption box if this is your primary residence, enter how long you have owned the home, and your original assessed value. The calculator shows savings from the $50,000 homestead exemption, the Save Our Homes 3% annual cap, and your transferable portability benefit. A $400,000 home in Miami-Dade with homestead pays roughly $3,080 instead of $3,520 -- saving $440 per year.
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The Formula
Florida property tax is calculated by your county's tax assessor using the assessed value of your property:
Where:
Taxable Value = Assessed Value − Exemptions
Assessed Value = Just/Market Value (capped by SOH after year 1)
Millage Rate = combined county + city + school + special district rates
Homestead Exemption:
First $25,000 assessed value: exempt from ALL taxes
Next $25,000 ($50K-$75K range): exempt from non-school taxes only
Save Our Homes Cap:
Annual assessed value increase ≤ 3% or CPI (whichever is lower)
Applies starting year 2 of homestead
The "effective tax rate" used in this calculator is the combined millage rate expressed as a percentage. One mill equals $1 of tax per $1,000 of taxable value. Florida counties typically have total millage rates between 15 and 22 mills (1.5% to 2.2%), but effective rates on market value are lower because of exemptions and assessment caps.
Example
Maria — Homeowner in Miami-Dade County
Maria bought her home 5 years ago for $350,000. The current market value is $400,000. She has homestead exemption as her primary residence. Miami-Dade effective rate: 0.88%.
Without any exemptions
With homestead exemption
With homestead + Save Our Homes cap
If Maria sells and buys a new $500,000 home in Broward County, she can transfer her SOH savings (portability) to reduce the assessed value of her new home, potentially saving hundreds more per year.