Estimate how much of your Save Our Homes benefit you can transfer to your next Florida home — instantly, for upsizing or downsizing. Updated for 2026, all 67 counties.
Find your old home’s assessed value and market (just) value on your county TRIM notice or property record card — the gap between them is your Save Our Homes benefit.
Want the full picture on transferring your homestead? Read our complete Florida portability guide →
Estimate only — not legal or tax advice. The portable amount is certified by the county property appraisers from official assessed and market (just) values, and the $500,000 cap plus the 3-tax-year deadline apply. Confirm your exact figures with your county property appraiser.
Florida’s Save Our Homes amendment caps how much the assessed value of a homesteaded property can increase each year — no more than 3% or the change in the Consumer Price Index, whichever is lower. Over years of rising markets, that cap creates a growing gap between your home’s market (just) value and its much lower assessed value. That gap is real money: it is the amount of value the county cannot tax you on.
Portability (formally, the “transfer of homestead assessment difference”) lets you carry up to $500,000 of that accumulated Save Our Homes benefit from your old Florida homestead to your new one — so when you move, you don’t start over at full market value. The calculator above estimates how much you can transfer and what your new assessed value will look like before the homestead exemption is applied on top.
The formula depends on whether your new home is worth more or less than your old one:
Portability is not automatic and it is not permanent. You must establish a new Florida homestead within three tax years of January 1 of the last year you had your previous homestead, and you must file the transfer application by March 1 of the year you want the benefit to begin. Wait too long and the benefit you spent years building simply disappears — one of the most expensive mistakes Florida homeowners make when relocating.
File two forms with your new county’s property appraiser: Form DR-501 (the homestead exemption application) and Form DR-501T (the transfer of homestead assessment difference). Most Florida counties accept these online, by mail, or in person. Your new county coordinates with your former county to certify the exact Save Our Homes benefit you had built up. Keep your prior year’s TRIM notice or property record card handy — it shows the assessed and market values you’ll need. For a plain-English walk-through, see our complete Florida homestead portability guide.
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Submit a Contract →Portability lets you transfer the accumulated Save Our Homes assessment savings from your old Florida homestead to your new one. The Save Our Homes cap limits how much your assessed value can rise each year, and over time it creates a gap between your market value and your (lower) assessed value. Portability lets you carry up to $500,000 of that gap to your next Florida home so you don't restart from scratch.
You can transfer up to $500,000 of Save Our Homes benefit. If you upsize (buy a home worth the same or more than your old market value), you transfer the entire benefit. If you downsize (buy a less expensive home), you transfer a proportional share equal to the same percentage discount you had on your old home.
You must establish a new Florida homestead within three tax years of January 1 of the last year you had your old homestead, and you file the portability application (Form DR-501T) together with your homestead application (Form DR-501) by March 1 of the year you want the benefit to begin. Miss the window and the transferable benefit is lost.
File two forms with your new county's property appraiser: Form DR-501 (the homestead exemption application) and Form DR-501T (the transfer of homestead assessment difference). You can usually file online, by mail, or in person. The new county coordinates with your old county to certify your prior Save Our Homes benefit.
The calculator gives a close estimate using the standard Florida portability formulas. Your final ported amount is certified by the county property appraisers based on the official assessed and market (just) values on record. For an exact figure, check your old home's assessed value on your prior county's TRIM notice or property record card.
Yes. Portability works between any two of Florida's 67 counties, and spouses who owned a homestead together can split or combine the benefit when they establish new homesteads. It does not transfer out of Florida — it only applies when moving from one Florida homestead to another.