How to calculate florida property tax
School tax = max(0, assessed value − school exemptions) × school mills / 1,000 Non-school tax = max(0, assessed value − non-school exemptions) × non-school mills / 1,000 Annual bill = school tax + non-school tax + non-ad valorem assessments
Worked example. Estimated annual Florida property tax: $4,650.00 / year.
Example inputs — Assessed value: $300,000; School exemptions: $25,000; Non-school exemptions: $50,000; School millage: 6 mills; Non-school millage: 12 mills; Non-ad valorem per year: $0.00. Starting values are illustrative.
2026 planning estimate. Exemption amounts and millage defaults are illustrative, not county rates or automatic homestead determinations. Use your property appraiser's TRIM notice.
From George Guju, founder of Calculyn · Educational calculator guidance, not professional advice.
How it works
Florida property tax depends on assessed value, exemptions and local millage. School and non-school taxable values can differ because exemptions do not always apply to every taxing authority. One mill is $1 of tax per $1,000 of taxable value. Enter the applicable exemption totals and aggregate school and non-school rates from your 2026 TRIM notice or property appraiser, then add non-ad valorem assessments. This model assumes the entered non-school exemption total applies to all entered non-school mills; if districts use different taxable values, calculate each separately.
Official rule sources
Florida Department of Revenue property tax guidance. Confirm your applicable status, assessment and local charges before relying on an estimate.
Assumptions & limitations
- 2026 planning year; local rates and exemption amounts must be entered from the property appraiser.
- No automatic homestead, Save Our Homes, portability or ownership-change calculation.
- School and non-school rates are illustrative aggregate rates, not a statewide tax rate.
- Non-ad valorem assessments are added separately; some districts may require separate calculations.
Formula and assumptions reviewed October 2026 by the Calculyn team. How we build our calculators
Frequently asked questions
How are property taxes calculated in Florida?
Start with assessed value after any assessment limits, subtract exemptions applicable to each taxing authority, then multiply taxable value by its millage divided by 1,000. Add non-ad valorem assessments separately. This tool splits school and non-school taxes because their exemptions may differ.
Does this automatically apply the 2026 homestead exemption?
No. Enter the actual exemption totals from your property appraiser. Florida DOR lists the 2026 additional non-school homestead exemption maximum as $26,411, applied to assessed value above $50,000. Eligibility and value bands matter. The example amounts are not the official maximum or an automatic exemption calculation.
What is Save Our Homes?
For qualifying homestead property, Save Our Homes generally limits annual assessed-value increases to the lesser of 3% or the applicable CPI change. This tool uses an already assessed value; it does not determine eligibility, annual assessment growth or portability.
Will the seller's tax bill match mine?
Not necessarily. A change in ownership can change the assessed value and exemptions. Ask the property appraiser about a new-owner estimate rather than treating a seller's capped assessment as your future bill.