Florida homestead exemption calculator — what it actually saves
Florida's homestead exemption is really two exemptions — plus nine more relief programs stacked behind them for widows and widowers, veterans, seniors, and people with disabilities. This calculator itemizes what each one is worth on your home, in your county, using the state's own millage data. On a $300,000 assessed value in Orange County, the two standard homestead exemptions alone cut the bill by about $725 per year. Runs in your browser; nothing you enter is collected.
Estimated annual savings
Your selected programs save about
| Tax with your exemptions | |
|---|---|
| Tax with no exemptions at all |
Line by line
How the standard homestead math works
The headline "$50,000 homestead exemption" is really two pieces with different reach — and a gap between them:
- The first $25,000 (§196.031(1)(a)) comes off for every levy, school taxes included.
- The $25,000-to-$50,000 slice of value is fully taxable — no exemption applies there at all (the Department of Revenue's own worked example makes this explicit).
- The additional exemption (§196.031(1)(b)) then covers assessed value from $50,000 up to $76,411 — but only for non-school levies. 2024's Amendment 5 indexes it to inflation: $26,411 for 2026.
That school/non-school split is why this calculator carries each county's school millage separately — and why two counties with the same total millage can produce different homestead savings.
What the standard homestead exemption saves in every county
From $76,411 of assessed value up, both standard exemptions are fully used, so the saving is one flat dollar figure per county, set only by its millage. On the 2025 roll it runs from $346 a year in Monroe County to $942 in St. Lucie County; the median county saves $645. Below $76,411 the saving is smaller; the calculator above handles any value.
| County | Average total millage | School millage | Standard homestead saves per year |
|---|---|---|---|
| St. Lucie | 21.5570 | 6.2960 | $942 |
| Alachua | 20.8894 | 6.2510 | $909 |
| Dixie | 19.8732 | 5.4100 | $879 |
| Broward | 19.8638 | 6.4845 | $850 |
| Glades | 18.3732 | 5.3290 | $804 |
| Hillsborough | 18.8553 | 6.3400 | $802 |
| Pinellas | 18.4941 | 6.2930 | $785 |
| Miami-Dade | 18.4893 | 6.6330 | $775 |
| Leon | 17.8003 | 5.3660 | $773 |
| Volusia | 17.4169 | 5.2790 | $756 |
| Duval | 17.8940 | 6.3430 | $752 |
| Hendry | 17.1732 | 5.3460 | $742 |
| Flagler | 17.1551 | 5.3490 | $741 |
| Palm Beach | 17.4918 | 6.3210 | $732 |
| Putnam | 17.7142 | 6.8650 | $729 |
| Orange | 17.4100 | 6.4490 | $725 |
| Pasco | 17.2168 | 6.2740 | $719 |
| Union | 16.7165 | 5.4540 | $715 |
| Bradford | 16.5732 | 5.3660 | $710 |
| Lafayette | 16.2231 | 5.3860 | $692 |
| Gadsden | 16.1423 | 5.2480 | $691 |
| Martin | 16.0598 | 5.1770 | $689 |
| Levy | 16.0399 | 5.3320 | $684 |
| DeSoto | 15.9319 | 5.2810 | $680 |
| Suwannee | 15.6611 | 5.4150 | $662 |
| Nassau | 16.0559 | 6.1910 | $662 |
| Holmes | 15.4115 | 5.1340 | $657 |
| Gilchrist | 15.5297 | 5.3980 | $656 |
| Citrus | 15.4758 | 5.3510 | $654 |
| Polk | 15.4378 | 5.2900 | $654 |
| Seminole | 15.3480 | 5.2490 | $650 |
| Calhoun | 15.3340 | 5.2230 | $650 |
| Marion | 15.8838 | 6.3200 | $650 |
| Taylor | 15.4326 | 5.6370 | $645 |
| Lake | 15.6324 | 6.0850 | $643 |
| Madison | 15.1668 | 5.3340 | $639 |
| Liberty | 15.1744 | 5.3800 | $638 |
| Hamilton | 15.2115 | 5.5330 | $636 |
| Osceola | 14.9738 | 5.3060 | $630 |
| Charlotte | 15.4683 | 6.2880 | $629 |
| Washington | 14.9640 | 5.3300 | $629 |
| Clay | 15.3466 | 6.2720 | $623 |
| Columbia | 14.6841 | 5.3490 | $614 |
| Baker | 14.6131 | 5.3250 | $611 |
| Highlands | 14.5216 | 5.3520 | $605 |
| Okeechobee | 14.4357 | 5.3840 | $600 |
| Brevard | 14.7669 | 6.3100 | $593 |
| Jackson | 14.2637 | 5.3680 | $592 |
| Hardee | 14.1244 | 5.2520 | $587 |
| Escambia | 14.1316 | 5.3590 | $585 |
| Hernando | 14.5695 | 6.2650 | $584 |
| Manatee | 14.5524 | 6.3040 | $582 |
| Lee | 13.9967 | 5.3190 | $579 |
| Indian River | 14.1659 | 5.7530 | $576 |
| Jefferson | 13.8674 | 5.2960 | $573 |
| St. Johns | 13.9738 | 6.2720 | $553 |
| Wakulla | 13.4421 | 5.4270 | $548 |
| Bay | 12.6966 | 5.3370 | $512 |
| Sarasota | 12.7527 | 6.0950 | $495 |
| Okaloosa | 12.2773 | 5.3770 | $489 |
| Gulf | 12.2198 | 5.3220 | $488 |
| Santa Rosa | 11.7171 | 5.4140 | $459 |
| Sumter | 11.2052 | 4.9120 | $446 |
| Franklin | 10.6003 | 4.1920 | $434 |
| Collier | 9.8185 | 4.2490 | $393 |
| Walton | 9.1512 | 4.2610 | $358 |
| Monroe | 8.2361 | 2.9470 | $346 |
Countywide DOR average millage, 2025 roll; the first $25,000 exemption on all levies plus the additional exemption (up to $26,411) on non-school levies. Your parcel's own districts set its real rate.
The March 1 deadline
Homestead exemption is not automatic in your first year: you apply with your county Property Appraiser by March 1 of the tax year (§196.011), with proof the home was your permanent residence on January 1. Once granted it renews automatically. Every county Property Appraiser's office is linked from our county pages and the property tax lookup.
Add the 2027 homestead dates to your calendar January 1 (you must live there) and March 1 (the filing deadline), with reminders two weeks ahead.
Moving within Florida? Your cap can move with you
Save Our Homes caps your assessed value's growth while you hold the homestead — and when you move, portability (§193.155(8)) lets you transfer up to $500,000 of that protection. The portability calculator computes your number, and the buyer property-tax calculator folds it into a full purchase estimate.
Amendment 3 would change these numbers
This calculator models current law. On November 3, 2026, Florida votes on Amendment 3, which — if at least 60 percent approve — would replace today's non-school homestead exemption with $150,000 in 2027, rising to $250,000 in 2028 (owners new to Florida after 2026 start at $50,000 for their first four years). School levies would be unaffected, so the school-tax rows above would keep working exactly the same way. Our Amendment 3 explainer covers what it would and wouldn't change, and our TRIM-notice guide shows where it fits on your notice, with sources.
Estimates use your county's Department of Revenue countywide average millage (2025 roll) — a planning number, never a bill. Local-option programs (the senior exemptions) depend on your county or city having adopted them; the Property Appraiser's office is the authority. Not legal or tax advice.
Quick answers
When is the 2027 Florida homestead exemption deadline?
Monday, March 1, 2027. To qualify for 2027 the home must be your permanent residence on Friday, January 1, 2027, and the application (Form DR-501) goes to your county Property Appraiser by March 1 (Fla. Stat. §196.011). Once granted it renews automatically each year.
What if I miss the March 1 homestead deadline?
You can still file late. The Property Appraiser may accept a late application for extenuating circumstances, and if it is not granted you can petition the Value Adjustment Board — on or before the 25th day after your August TRIM notice was mailed (Fla. Stat. §196.011(8)). After that window closes, the exemption waits until the next tax year.
How much does the Florida homestead exemption save?
The first $25,000 exemption applies to all levies and the second (up to $26,411 in 2026, CPI-indexed) to non-school levies only (Fla. Stat. §196.031). On a home assessed at $76,411 or more, the two together save $645 a year in the median county, from $346 in Monroe County to $942 in St. Lucie County, at 2025 average millage. The table on this page lists every county.
Does homestead also cap my assessment increases?
Yes — once homesteaded, Save Our Homes caps assessed-value growth at 3 percent a year or CPI, whichever is lower (§193.155). Over time that cap is often worth far more than the exemption itself, and it's portable when you move within Florida.
Data verified as of October 2026.