Florida Property Tax 2025: What You’ll Pay + Save Now

Paying property taxes in Florida in 2025? Here’s how to save.

Florida’s average property tax is just 0.80%—well below the national average—but most homeowners still overpay. With new homestead adjustments in 2025 and rising home values, knowing the latest exemptions, rates, and filing tips can save you thousands.

This guide answers: "How much are property taxes in Florida in 2025?" It breaks down what you’ll pay, how to reduce your bill, and smart ways to protect your investment.

Explore cities where home prices are rising but still affordable.

Florida's property tax in 2025 averages 0.80%—but what you pay depends on where you live.

Looking for safer, affordable cities with lower tax rates? Read: What Are the Safest Places to Live in Florida?

In 2025, Florida's average property tax rate is expected to remain at 0.80%, below the national average of 0.99%. Homeowners typically pay around $2,338 annually in property taxes, though this varies by county.

With the recent approval of Amendment 5, you can expect adjustments to their homestead exemptions based on inflation. This will lead to greater savings for homeowners over time.

Planning to build your home? Knowing how much it costs to build a house in Florida is key to understanding your mortgage needs and future property tax liabilities.

Florida calculates property taxes using assessed home value × millage rate—plus exemptions.

Here’s how the system works in 2025 and what dates to watch.

Florida counties calculate your property taxes based on:

• Assessed Value (determined each January 1st)
• Millage Rate (set by local taxing authorities)

For example:

If your home is valued at $300,000 and your county millage rate is 1.0%, your base tax is $3,000 before exemptions.

Key Florida Tax Dates:

• January 1: Property values assessed
• Late Oct–Nov: Tax bills mailed
• March 31 (following year): Taxes must be paid

Florida does not charge a state income tax, so property taxes fund local services like schools, roads, and emergency services.

Florida offers up to $100,000+ in property tax exemptions—if you qualify.

Knowing which tax breaks you're eligible for can slash your tax bill and increase your ROI as a homeowner.

New in 2025: Amendment 5 adjusts Homestead Exemption caps with inflation—more savings over time.

Discover the best places to buy beach homes in Florida that qualify for these exemptions.

You can access Florida property tax records online by using your county’s appraiser website.

Knowing how to search tax history helps you plan exemptions, understand past assessments, and make smarter buying decisions.

Here’s a simple 3-step process:

1. Visit your County Property Appraiser’s Website

Example: Nassau County Property Appraiser offers a full online tool.

2. Enter Key Info

Use:

• Owner Name
• Street Address
• Parcel Number

3. View Details Instantly

You’ll see:

• Assessed value
• Exemptions claimed
• Tax history
• Millage rate

This is especially useful for investors comparing properties or verifying exemptions before closing.

When a homeowner dies in Florida, exemptions reset and taxes often rise—unless heirs act fast.

This is one of the most overlooked (and costly) tax traps in estate planning.

• “Save Our Homes” Cap Is Removed

When the homeowner dies and there’s no surviving spouse, this cap vanishes. The property is reassessed at full market value—often increasing taxes significantly.

• Homestead Exemption Ends

Heirs must:

• Make the inherited home their primary residence
• Apply for homestead exemption by Jan 1 of the next year

Otherwise, they lose the exemption.

• Mortgage Acceleration Clause

Some lenders require full repayment if the original owner dies and ownership changes. Heirs must either refinance or pay off the loan.

Want to buy a home in Florida without needing a realtor or agent fees? Read: How to Buy a House Without a Realtor in Florida

Find the Perfect Mortgage in Florida with Be My Neighbor.

Compare options, calculate payments, and get expert guidance—all in one place.

Get Pre-approved

Part-time Florida residents may be eligible for tax exemptions, but only if they meet specific requirements. However, to claim a homestead exemption, you must be a full-time resident with the home as your primary residence.

Part-time residents may be eligible for other discounts, such as for seniors or veterans if they fulfill residency criteria. To establish residency, documentation such as a Florida driver's license or voter registration is necessary.

If part-time residents fail to meet these criteria, they will not be eligible for Florida's property tax discounts.

To file property tax in Florida, follow these 5 steps:

• Determine Eligibility: Check if you are eligible for exemptions like the Homestead Exemption. You must be a Florida resident and occupy the property as your permanent residence.

• Gather Required Documents: Collect necessary documents, including a Florida driver's license, Social Security numbers, and proof of voter registration. If applicable, provide documentation of previous residency and any existing exemptions.

• Complete the Application: Fill out the exemption application form (Form DR-501 for Homestead) accurately. Include your property identification number and indicate the type of exemption you are applying for.

• Submit Your Application: File your completed application by March 1 to ensure consideration for the current tax year. Applications can be submitted in person or mailed to your county's property appraiser's office.

• Await Confirmation: After submission, track your application status. In August, you will get a Notice of Proposed Property Taxes TRIM. It will detail any exemptions and the estimated tax due.

If you're planning to buy a Florida home, a conditional mortgage approval can help fast-track your exemption eligibility and smoothen your financing process.

In addition to property taxes, Florida imposes a state sales tax of 6%, with local surtaxes potentially adding up to 2%. Short-term rental income is subject to state sales tax and may also be subject to local discretionary sales surtax.

It's crucial to understand these extra taxes for your budget. Property taxes also fund local services, like schools and safety.

Yes—Florida remains a retirement hotspot in 2025, thanks to low property taxes and no income tax.

Here’s why retirees still flock to Florida:

• No state income tax (on Social Security or pensions)
• Property taxes average just 0.80%
• Senior Exemption offers up to $50,000 in savings
• Warm climate + healthcare access

But… rising home prices and insurance costs can eat into fixed incomes. That’s why smart retirees look for affordable towns with tax breaks.

Florida offers tax perks few states match, but costs can sneak up fast if you're not prepared.

Use exemptions + choose the right county = big long-term savings.

Buying may cost more upfront—but offers tax advantages renting never will.

If you’re torn between renting and buying in Florida, here’s the breakdown:

Tip: Use reAlpha to buy with no agent fees and get up to 75% rebate—making homeownership more accessible.

👉 Read: Rent or Buy in Florida

With Florida’s 0.80% average tax rate, the smartest buyers are using exemptions and skipping commissions to save thousands.

As of January 2025, the median property tax in Florida is $1,459 for a home valued at $182,400. That’s below the national average—but with rising home values, your tax bill may still climb if you’re not proactive.

Understanding Florida's evolving tax system means:

• Claiming every exemption you’re entitled to
• Filing accurately and on time
• Planning for reassessments and legislative updates (like Amendment 5)

Here’s the truth: Property tax planning isn’t optional anymore. It’s your leverage against inflation, rising insurance costs, and costly agent commissions.

Why lose thousands to realtor commissions on top of taxes when you don’t have to?

reAlpha puts that money back in your pocket:

• 25% Rebate just for using a reAlpha agent
• 50% Rebate when you add a mortgage
• Up to 75% Rebate when you add title services too

Whether you’re a first-time buyer or seasoned investor, start your search smarter—with zero commissions and AI-powered deals.

Buy with reAlpha, bundle smart, and get up to 75% of the buyer agent commission back.

Start with 25% for using a reAlpha agent. Add Mortgage for 50%. Add Title to unlock the full 75% rebate.

Florida’s average property tax rate in 2025 is 0.80%, but it varies by county.

For example, homeowners in Miami-Dade may pay closer to 0.97%, while some rural counties stay below 0.70%. This rate is calculated using your property’s assessed value and your county’s millage rate.

• If your home is worth $300,000, expect to pay about $2,400 annually before exemptions.

• Use the Homestead Exemption to lower your taxable value by up to $50,000.

To qualify for Florida’s Homestead Exemption in 2025, you must own and live in the home as your primary residence by January 1.

You’ll need:

• A Florida driver’s license or ID

• Voter registration tied to the property address

• Utility bills or tax returns showing residency

File Form DR-501 with your county appraiser by March 1. This exemption can save you hundreds to thousands annually, depending on your home value.

Unpaid property taxes in Florida become delinquent on April 1, and your property could be auctioned by summer.

Here’s what happens:

1. A 3% penalty is added after April 1
2. In May, your taxes may be sold via a tax certificate auction
3. If still unpaid, the county can initiate a tax deed sale and transfer your property to a new owner

Part-time Florida homeowners cannot claim the Homestead Exemption unless they declare the home as their full-time primary residence.

To prove full-time status, you need:

• Florida driver’s license

• Vehicle registration

• Voter ID with the property address

• Declaration of Domicile (optional but helpful)

Veterans, seniors, and widows may still qualify for other discounts even as part-time residents, depending on residency proof.

Florida calculates property taxes using this formula: Assessed Value × Millage Rate – Exemptions.

Every January 1, your county appraiser sets the assessed value. The county then applies a millage rate (e.g. 1.0%) to determine your tax amount.

Exemptions like Homestead are subtracted at the end.

Example:

Home value = $350,000

Homestead = $50,000

Taxable value = $300,000

Millage = 1.0% → Tax due = $3,000

Find the Perfect Mortgage in Florida with Be My Neighbor.

Compare options, calculate payments, and get expert guidance—all in one place.

Get Pre-approved