Free · 2025 rates

Florida property tax by county and city

The tax bill on a Florida listing is the seller's. Here's what you'll pay after you buy, for every county and city we track.

Florida property tax is the purchase price times your taxing district's combined millage, and 2025 rates run from 0.82% in Key West to 2.55% in Waldo. On a $400,000 home that is $3,280 to $10,200 a year.

You'll pay about $6,720, not the seller's $3,680

Florida's Save Our Homes cap limits how fast a homesteaded owner's assessed value can rise: 3% a year or inflation, whichever is lower. When the home sells, the cap resets and the property is reassessed at market value for the new owner's first full tax year. The tax bill on the listing is the seller's capped bill, not yours.

Illustrative example in Indiantown at 1.68%

• The seller bought 10 years ago for $200,000 and has had a homestead exemption since. With the 3% cap, their assessed value is at most about $268,800 today, even if the home is now worth $400,000.
• Seller's bill: about $3,680 a year (assessed value minus up to $50,000 homestead).
• Your bill after buying at $400,000: about $6,720 a year before exemptions, roughly 1.8× the seller's. With your own homestead exemption it can drop to about $5,880.

In real sales the seller's bill is often even lower, because the cap follows inflation when inflation is under 3%. Budget from the purchase price, never from the listing's tax line.

City-level rates for Polk and Volusia counties are not validated yet; the Closing Cost Estimator uses a statewide estimate there.

Homestead exemption: if the home is your permanent residence on January 1 and you apply with the county property appraiser by March 1, up to $50,000 comes off your taxable value (the second $25,000 doesn't apply to school taxes, so real savings are a bit lower). Your first homesteaded year also starts your own 3% Save Our Homes cap.

Not included: non-ad valorem assessments such as CDD fees, solid waste, stormwater, and some fire or lighting districts. They appear on the same tax bill as flat charges and can add a few hundred to several thousand dollars a year, especially in newer CDD communities.

Estimate your costs

• Closing Cost Estimator — doc stamps, title, and tax escrow for any Florida county
• Save Our Homes explained
• Flood Zone Lookup — FEMA zone, elevation, and evacuation zone for any Florida address

Checking a specific listing?

• House Detective — permit history, open code violations, flood forensics, and hidden red flags for a specific address
• Offer Recommender — the highest offer that wins without overpaying, from comparable sales and 40+ market signals

Rates are 2025 combined millage (all taxing authorities: county, school board, city, water management and special districts) from county property appraiser and tax collector millage sheets and Florida Department of Revenue taxing-authority reports. Estimates multiply the purchase price by the combined rate. The property appraiser's just value is often somewhat below the sale price, so treat these as a conservative budget, not a bill. Rates are set each fall, and your parcel's exact district can differ.