Florida property tax calculator — what will a buyer actually pay?

The tax bill on a Florida listing is the seller's bill — protected by years of Save Our Homes caps that do not transfer. At sale, the assessed value resets (Fla. Stat. §193.155(3)), and the buyer's bill is computed from the purchase price. This tool estimates that number — the one escrow will actually be based on. Runs in your browser; nothing you enter is collected.

Purchase price

County

This will be my homestead (primary residence)

I'm porting Save Our Homes savings from a prior Florida homestead

Listing's current annual tax bill (optional — find it with the tax lookup)

Listing's current taxable value (optional — with the bill, this switches the math to the parcel's real blended rate)

Exemptions & discounts — senior, veteran, disability, surviving spouse (all of Florida's statewide relief programs)

Widow or widower — $5,000 (§196.202)

Legally blind — $5,000 (§196.202)

Totally & permanently disabled — $5,000 (§196.202)

Veteran with 10 percent or greater service-connected disability — $5,000 (§196.24)

Senior 65+ with household income under $38,686 (2026 limit) — up to $50,000 MORE, but ONLY if your county or city has adopted it and only against that government's own levy — ask your Property Appraiser (§196.075(2); modeled here as the adopted best case)

Senior 65+, same income limit, 25+ years in the home, just value under $250,000 — the adopting government's taxes drop to zero (§196.075(3))

Veteran with service-connected TOTAL & permanent disability (or wheelchair-confined §196.091, or the qualifying surviving spouse) — fully exempt, all levies (§196.081)

Quadriplegic (no income test), or paraplegic / hemiplegic / wheelchair-required / legally blind with household income under $37,712 (2026 limit) — fully exempt (§196.101)

First responder totally & permanently disabled in the line of duty, or the surviving spouse of one killed in the line of duty — fully exempt (§196.102, §196.081(6))

Combat-related disability rating, veteran age 65+ (percent, e.g. 70 — discounts the tax LEFT after exemptions by that percentage; §196.082)

Days deployed last year on a qualifying operation (military; prorates the remaining tax; §196.173)

Estimated buyer taxes

Scenario	Taxable (school · other levies)	Annual	Monthly escrow

Informational estimate. The school/non-school split uses the county's average school-district millage (Florida DOR) — several exemptions don't reduce school taxes, and the senior local option applies only where adopted, so treat those lines as the best case. Full exemptions (§196.081, §196.091, §196.101, §196.102) assume you qualify and are approved by the Property Appraiser; income limits shown are the DOR's 2026 adjustments. District rates vary within a county; the county's own estimator and TRIM notice control.

Why the listing's tax bill is the wrong number (for you)

Save Our Homes caps a homestead's assessed-value growth at three percent a year (Fla. Stat. §193.155) — so a long-time owner's taxable value can sit far below market. The cap dies at closing: the property is reassessed at just value as of the next January 1. The "assessed at 85 percent" scenario reflects how Florida appraisers typically land below sale price after the statutory cost-of-sale adjustment (§193.011(8)); the 100 percent scenario is the conservative planning case.

Homestead and portability

A new homestead earns up to $51,411 in exemptions for 2026: the first $25,000 applies to every levy, and the additional exemption — $26,411 this year, inflation-indexed annually since Amendment 5 (2024) — applies to the slice of assessed value above $50,000 and never to school levies (§196.031). The band between $25,000 and $50,000 is fully taxable, which surprises people. If you're moving from another Florida homestead, portability (§193.155(8)) lets you carry up to $500,000 of your Save Our Homes differential — enter it above and watch the estimate drop. Downsizing ports a proportional share; your county Property Appraiser's portability form has the exact figure.

Veteran, senior, disability, and survivor relief

Florida's statewide relief programs are all modeled in the panel above: the $5,000 exemptions for widows and widowers, the legally blind, the totally and permanently disabled, and veterans with a 10 percent or greater service-connected disability; full exemptions for veterans with total and permanent service-connected disabilities (§196.081, including qualifying surviving spouses and wheelchair- confined veterans under §196.091), for quadriplegics and other severely disabled Floridians under §196.101, and for first responders disabled in the line of duty (§196.102); the combat-related disability discount for veterans 65 and older, which cuts the tax remaining after exemptions by the veteran's rating percentage (§196.082); the deployed-servicemember proration (§196.173); and the local-option senior exemptions (§196.075), which depend on your county or city having adopted them. Each selected line shows its estimated annual savings so you can see exactly what each program is worth on your purchase. Ask the county Property Appraiser about the granny-flat assessment reduction (§193.703) and the renewable-energy-device exclusion (§193.624) — both reduce assessed value but need parcel-specific facts this estimator can't know.

A worked example

A $400,000 homestead purchase in Orange County at the county's average millage: assessed at 85 percent, the taxable value is $288,589 and the estimated bill is $5,024.33 — about $418.69 of monthly escrow. At 100 percent it's $6,068.93. If the seller's listing shows a bill near $3,650, the buyer should plan on roughly $1,374.33 to $2,418.93 more per year than the listing suggests — the escrow-shock this tool exists to prevent.