Estimate your up-to-$50,000 homestead exemption and yearly property-tax savings in seconds — then see how the Save Our Homes cap protects you going forward. Updated for 2026, all 67 counties.
Not sure of your millage? Florida counties average roughly 15–20 mills. Your exact combined rate is on your TRIM notice, or use our property tax estimator.
Want the full breakdown on filing and eligibility? Read our complete Florida homestead exemption guide →
Estimate only — not legal or tax advice. Actual savings depend on your county’s exact millage split (the second $25,000 exemption doesn’t apply to school taxes) and any additional exemptions you qualify for. Confirm your exact figures with your county property appraiser.
The Florida homestead exemption reduces the taxable (assessed) value of your permanent primary residence — it does not reduce your market value, just the number your property taxes are calculated on. For qualifying homeowners it removes up to $50,000 of assessed value, and it comes in two pieces.
Because of the school-tax carve-out on the second tier, your true savings are slightly lower than exemption × millage. The calculator above gives you a fast, close estimate; for the exact number split by your county’s school and non-school millage, use our Florida property tax estimator.
The exemption is only half the value of homesteading. Once your property is homesteaded, the Save Our Homes cap limits how much your assessed value can rise each year to 3% or the change in the Consumer Price Index, whichever is lower — even when your market value jumps 10% or more. Over several years that cap can save you far more than the exemption itself, and the accumulated benefit can be carried to your next Florida home through portability.
To qualify, the home must be your permanent primary residence as of January 1 of the tax year, and you must hold title and be a permanent Florida resident. You can claim homestead on only one property, and it cannot be a rental or vacation home. File once with your county property appraiser by March 1; the exemption then renews automatically each year. Buy after January 1 and you file for the following tax year. For a step-by-step guide to documents and deadlines, see our complete Florida homestead exemption guide.
Atlantic Title Firm handles Florida title and closing statewide, and we’ll make sure you know exactly how to claim your homestead exemption after closing.
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Submit a Contract →The Florida homestead exemption removes up to $50,000 from the taxable (assessed) value of your permanent primary residence. The first $25,000 applies to all taxing authorities including school taxes; the second $25,000 applies to the assessed value between $50,000 and $75,000 for non-school taxes only. On a typical millage rate of 15–20 mills, that works out to roughly $600–$1,000 in annual property tax savings, plus the Save Our Homes 3% assessment cap going forward.
The exemption is applied to your home's assessed value in two tiers. The first $25,000 of assessed value is exempt from every tax. The next $25,000 (from $25,000 to $50,000 of value) is taxable. The following $25,000 (from $50,000 to $75,000 of value) is exempt from non-school taxes. Homes assessed at $75,000 or more receive the full $50,000 exemption. The calculator above applies these tiers automatically.
The millage rate is the tax rate expressed in dollars per $1,000 of taxable value. One mill equals $1 per $1,000. Florida rates typically run between 15 and 25 mills depending on your county, city, and special districts. Your exact combined millage appears on your county TRIM notice each August, or you can look it up with our Florida property tax estimator.
You qualify if the property is your permanent primary residence as of January 1 of the tax year and you hold legal or beneficial title. You must be a permanent Florida resident. You can only claim homestead on one property, and it cannot be a rental or second home. The filing deadline is March 1.
The deadline to file for the Florida homestead exemption is March 1 of the year you want the exemption to begin. You file once with your county property appraiser and it renews automatically each year as long as you keep the property as your primary residence. If you buy a home after January 1, you file for the following tax year.
Yes. Once your property is homesteaded, the Save Our Homes benefit caps the annual increase in your assessed value at 3% or the change in the Consumer Price Index, whichever is lower — even if your market value rises much faster. This cap, combined with the up-to-$50,000 exemption, is what makes homesteading so valuable over time, and the benefit can later be transferred with portability when you move.