Orange County property taxes
Orange County — Orlando and its suburbs — sits a little above the state's median millage. The Property Appraiser's site exposes unusually complete data for a Florida county: certified values plus an actual-tax rollup that includes non-ad-valorem assessments, which is why the lookup tool can usually show a fuller picture here than the millage average alone.
The 2025 numbers
Orange County's average total millage on the 2025 certified roll is 17.41 mills — about $17.41 for every $1,000 of taxable value — the 14th-highest countywide average of Florida's 67 counties (how all 67 compare in the 2025 data study). It splits like this:
| Levy group | Mills | What it funds |
|---|---|---|
| School district | 6.449 | School board operating and debt levies — the portion the additional homestead exemption does not reduce |
| Non-school | 10.961 | County commission, municipal, water management, independent and special districts |
| Average total | 17.41 | Taxable-value-weighted countywide average, Florida DOR "Millage and Taxes Levied Report," 2025 roll |
A countywide average is a planning number, not your bill: the parcel's own districts set its millage (the city table below shows the spread), and non-ad-valorem assessments (fire, solid waste, CDD) come on top. On the 2025 tax roll they came to about $244.9 million here — $497 per parcel, against $597 statewide (see the 2025 non-ad valorem study).
2025 rate decisions. The county commission set its 2025 operating rate at 4.4347 mills (2024: 4.4347), above its rolled-back rate of 4.2068, so under Florida law it was a tax increase. The 2025 millage study lists all 15 county, city and district operating rates in Orange County on the state's report, and the vote each one took.
Orlando property tax rate and every Orange County city (2025)
Actual 2025 rates by city, from the Orange County Property Appraiser, 2025 Final Millage Rates.
| Area | City millage | Total millage | Tax per $100,000 taxable |
|---|---|---|---|
| Orlando | 6.6500 | 18.0878 to 19.2844 | $1,809 to $1,928 |
| Winter Park | 4.2985 | 15.3615 | $1,536 |
| Winter Garden | 4.8565 | 16.2943 | $1,629 |
| Apopka | 4.4376 | 15.8754 | $1,588 |
| Ocoee | 4.9500 | 16.3878 to 16.4386 | $1,639 to $1,644 |
| Maitland | 5.2425 | 16.3055 | $1,631 |
| Windermere | 3.7425 | 15.2311 to 15.4839 | $1,523 to $1,548 |
| Belle Isle | 4.7845 | 16.2223 to 16.7973 | $1,622 to $1,680 |
| Edgewood | 5.2500 | 16.6878 to 19.6878 | $1,669 to $1,969 |
| Eatonville | 7.2938 | 18.7316 to 19.0196 | $1,873 to $1,902 |
| Oakland | 6.7000 | 18.1378 | $1,814 |
| Unincorporated Orange County | 4.4347 (county MSTU) | 16.0858 to 19.4681 | $1,609 to $1,947 |
Totals in this table run from 15.2311 mills (Windermere) to 19.6878 mills (Edgewood): on $100,000 of taxable value, location alone moves the bill by about $446 a year.
Orlando's own 6.65 mills is the highest city rate among the county's larger cities. It sits on top of the county, school and water management levies every parcel pays, so an Orlando home starts about two mills above a similar house in unincorporated Orange County. The spread inside Orlando (18.09 to 19.28) comes from the special districts that cover parts of the city. The unincorporated range leaves out mill code 70 (25.7165 mills), the former Reedy Creek district around Walt Disney World that it shares with Bay Lake and Lake Buena Vista.
Trash pickup. In Orange County, homes outside city limits get garbage service this way: county contract or franchise hauler. Cities run their own service. Check the official page, or compare every county in the trash pickup study. Look up a home’s pickup day by address.
Fire and trash fees. On Orange County's 2025 tax roll, fire assessments came to about $12 per parcel (statewide: $129) and solid-waste assessments came to about $173 per parcel (statewide: $172). The 2025 fire and trash fee study compares all 67 counties.
Amendment 3 here. The state's Revenue Estimating Conference puts the cut to Orange County's local governments at $781 million a year once Amendment 3 is fully in effect ($270 million in its first year), out of about $11.83 billion statewide. A homestead assessed at $300,000 would save about $2,177 a year here from 2028, at the county's average non-school rate. The Amendment 3 by county study shows what it would cut for every city and county government.
What that means in dollars
Engine-computed examples at Orange County's average millage, using the school/non-school split above:
| Scenario | Estimated annual tax |
|---|---|
| $300,000 assessed value, homestead (both exemptions) | ≈ $4,498.26 |
| $500,000 assessed value, homestead (both exemptions) | ≈ $7,980.26 |
| $300,000 assessed value, no homestead (investment or second home) | ≈ $5,223.00 |
Homestead rows apply only the $25,000 exemption (§196.031(1)(a)) and the additional exemption up to $26,411 on non-school levies (§196.031(1)(b), 2026 CPI-indexed). Other programs stack on top; the buyer estimator models all eleven.
Buying in Orange County? The listing's bill is not your bill
At sale the assessment resets to market (§193.155), so your first Orange County bill tracks your price, not the seller's (the reset question below has the county's gap in dollars). Run the buyer estimator with Orange County pre-selected; moving a Florida homestead? The portability calculator computes what carries over.
USDA income limits in Orange County
USDA's guaranteed home loan caps household income by county. In Orange County the limit is $132,100 for households of 1 to 4 and $174,400 for 5 to 8, counting everyone who will live in the home after small deductions (USDA's income worksheet, October 2026). That is above the $122,800 most Florida counties share, because the area's incomes run higher. The home also has to be in an eligible area: the USDA eligibility lookup checks an address and runs the income check. Other counties: all 67 USDA limits.
Key Orange County property tax dates
Set by state law, so identical statewide:
- Pay early, pay less: the 2026 bill is 4 percent off through November, stepping down each month until it is due by March 31 (the exact dates).
- Homestead exemption: live there on January 1 and file with the Orange County Property Appraiser by March 1 (what it saves).
- Value appeals: 25 days from the mailing date on your August TRIM notice (make a reminder for your deadline).
Add the 2026 tax discount dates to your calendar Add the 2027 homestead dates
Nearby counties
- Brevard County property taxes — 14.7669 mills average
- Lake County property taxes — 15.6324 mills average
- Osceola County property taxes — 14.9738 mills average
- Polk County property taxes — 15.4378 mills average
- Seminole County property taxes — 15.348 mills average
- Volusia County property taxes — 17.4169 mills average
Related reading
Your TRIM notice, explained · Amendment 3, explained · Homestead exemption calculator · Pay early, keep 4 percent
Buying here? Estimate your closing costs
Title insurance calculator · Documentary stamp (deed tax) calculator · Full closing cost worksheet · Seller net sheet
Look up an actual Orange County record
Search any Orange County address in the property-tax lookup, or go straight to the county's own offices:
- Property Appraiser: ocpaweb.ocpafl.org
- Tax Collector: www.octaxcol.com
- Official county tax estimator: ocpaweb.ocpafl.org
Estimates on this page are planning figures from official DOR millage data — never a bill, never tax advice. The county's TRIM notice and tax bill control.
Quick answers
How much is property tax in Orange County?
Orange County's average total millage is about 17.41 mills — the 14th-highest of Florida's 67 counties. On a $300,000 assessed home that computes to roughly $4,498 a year with the homestead exemption, or about $5,223 without it. Orange County — Orlando and its suburbs — sits a little above the state's median millage. The Property Appraiser's site exposes unusually complete data for a Florida county: certified values plus an actual-tax rollup that includes non-ad-valorem assessments, which is why the lookup tool can usually show a fuller picture here than the millage average alone.
Where do I pay my Orange County property tax bill?
Orange County property tax bills are issued and collected by the county Tax Collector (www.octaxcol.com). The county Property Appraiser (ocpaweb.ocpafl.org) keeps the certified value record behind it; the property-tax lookup here finds both for any Orange County address.
Will buying a home reset my property taxes in Orange County?
Yes — Florida assessed values reset to market value at sale (Fla. Stat. §193.155), so the seller's Save Our Homes cap ends at closing and your first full Orange County bill is computed from what you paid, not what the seller paid. The gap is visible in this county's own numbers: the same $300,000 home computes to about $5,223 without homestead protections versus $4,498 with them. Non-homestead property carries its own separate 10 percent assessment cap (Fla. Stat. §193.1554), which also does not transfer.
Who pays for title insurance in Orange County?
In Orange County, local custom puts the owner's title-insurance premium on the seller's side of the closing statement, as in most Florida counties. It is custom, not law; the contract controls.
What is the USDA income limit in Orange County?
For a USDA guaranteed loan in Orange County, household income must be under $132,100 for 1 to 4 people or $174,400 for 5 to 8, counting everyone who will live in the home after small deductions. The home must also be in a USDA eligible area; the USDA eligibility lookup checks both.
What is the property tax rate in Orlando?
Orlando's 2025 total property tax rate is 18.0878 to 19.2844 mills depending on the parcel's special districts, per the Orange County Property Appraiser's 2025 final millage table — about $1,809 to $1,928 for every $100,000 of taxable value. That total includes the City of Orlando's own 6.65 mills; unincorporated Orange County starts at 16.0858 mills.
Data verified as of October 2026.