Florida property tax at the effective rate real bills actually land at — 0.8% of value at the ACS 2025 medians — Florida is modelled with Save Our Homes (assessed growth capped at 2.7% for 2026) and the homestead exemption (up to $51,411 for 2026) — enter your purchase price and tenure. Pilot counties included: Miami-Dade, Broward, Palm Beach.
$254 a month
| Assessed value | $433,143 |
| Homestead exemption | $51,411 |
| Effective rate | 0.8% |
| Annual tax | $3,054 |
Florida's median homeowner pays $3,180 on a $396,700 home — 0.8% effective (ACS 2025). Nominal rates mislead across states (assessment ratios differ); the effective rate is the honest comparator. Your parcel's bill follows its own assessment and the overlapping local levies.
Source: U.S. Census Bureau, ACS 2025 1-year estimates.
Save Our Homes (Fla. Stat. s.193.155(1)): annual assessed-value increase on a homesteaded property capped at the lower of 3% or the CPI change (cap for 2026 = 2.7%); benefit is portable (up to $500,000) and resets to just value on change of ownership.
Source: state source in the research file (see hub).
This family is the pilot the plan called for: all 51 state pages plus the 25 most populous counties — not thousands of county pages with rates nobody verified. County figures here are the same ACS medians at county level.
County assessors publish parcel-level figures.
Assessments lag markets, exemptions differ (senior, veteran, disability), and local levies stack differently street by street. The effective-rate model gives the typical bill for the value, not your parcel's bill.
By effective rate, Illinois (1.92%) and New Jersey (1.82%); by median dollars, high-value states like New Jersey ($9,648) and California ($5,537) — the hub table shows both lenses.
Florida Property Tax Calculator for 2026: at Florida's 0.8% effective rate (ACS 2025), a $450,000 home pays about $3,054 a year under the state’s assessment-cap model. The state median bill is $3,180.
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What property tax typically costs in Florida: the ACS 2025 effective rate applied to your home, with the state’s assessment cap modelled.
Florida’s effective rate is 0.8%; the median bill is $3,180.
On the $450,000 test home the model gives $3,054 a year.
Typically $3,180 a year at the median (0.8% effective).
No — an effective-rate estimate; assessments and exemptions move real bills.
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