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There is no single Florida rate. Your bill is the home's assessed value, minus any exemptions, times the millage rates set each year by the county, the city if you live in one, the school board and any special districts, so two houses of the same price in neighboring towns can pay different amounts.
The figure that catches buyers is the seller's bill. Under the Save Our Homes cap a long-time owner's assessed value can sit far below the market, but when a home sells it is reassessed at market value on the next January 1, so your bill can be much higher than the one the seller paid. Each county property appraiser's website shows the current millage, and many have an estimator for a purchase price; use that, not the seller's bill. Every August the appraiser mails a TRIM notice with the proposed taxes and the dates of the public hearings where the rates are set. If the home is your permanent residence, file for the homestead exemption by March 1; in 2026 it takes as much as $51,411 off the assessed value.
If you own your home and it is your permanent residence on January 1, you can file for the homestead exemption with the county property appraiser by March 1, and it lowers that year's tax bill.
Read the answer →The six checks that decide whether a Florida county is right for you: housing cost, flood and wind, schools, healthcare, daily travel and storm readiness.
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Open the page →No. Florida does not tax personal income, so wages, pensions, withdrawals from an IRA or a 401(k), and Social Security are all free of state income tax, and there is no inheritance tax or gift tax either.
Hurricane wind is the main cost in a Florida home policy, and the price is set by the address, the age and shape of the roof and how the house is built, so it can differ a great deal between two homes on the same street.
A standard homeowners policy does not cover flooding. Flood is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually takes 30 days to start, so it cannot be bought the day a storm is named.
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