Property tax by ZIP code in Florida
Enter a Florida ZIP and see the median property tax paid, median home value, and effective tax rate from the 2020–2024 American Community Survey — plus how it compares to the Florida state median.
Look up a Florida ZIP code
Enter a 5-digit Florida ZIP code above to see its property tax data.
ZIP doesn't have ACS data — typically because it's a PO-box-only ZIP, a single-business ZIP, or an area where the Census suppresses small-sample estimates. Try a nearby ZIP.
ZIP isn't a Florida ZIP code. This page covers FL only. Other states are launching state by state — check back, or use our state-by-state median page in the meantime.
Florida runs property tax through 67 county property appraisers who appraise every parcel as of January 1 at just (market) value. The most consequential rule for Florida homeowners is Save Our Homes: once a property qualifies for homestead, assessed value can't rise more than 3% or CPI per year regardless of market movement, and up to $500,000 of accumulated SOH benefit can be ported to a new Florida homestead within three years. Florida's homestead exemption is up to $50,000 ($25,000 universal plus $25,000 on values above $50,000 for non-school taxes), with the second tier now indexed for inflation under Amendment 5 (2024). TRIM notices mail each August with a 25-day window to petition the county Value Adjustment Board.
Enter a 5-digit Florida ZIP to see its median property tax, median home value, and effective rate from the US Census American Community Survey 2020–2024 vintage, plus how the ZIP compares to the Florida state and US national medians. The explainer below covers why your specific bill often differs sharply from the ZIP median (Save Our Homes locks in older assessed values for long-term homeowners) and the role of Community Development Districts (CDDs) in master-planned communities like The Villages, Lakewood Ranch, and Tradition.
How Florida property tax works
Florida runs property tax through 67 county property appraisers — elected officials who appraise every parcel as of January 1 each year at just (market) value. Each county also has an elected tax collector who bills and collects.
The most consequential rule for Florida homeowners is Save Our Homes. Once a property qualifies for homestead, the assessed value can't rise more than 3% or CPI (whichever is lower) per year — regardless of how fast the market moves. Long-term homeowners often pay meaningfully less than recent buyers in fast-appreciating areas, and up to $500,000 of accumulated SOH benefit can be ported to a new Florida homestead.
Florida's homestead exemption is up to $50,000 — $25,000 base (applies to all property taxes) plus an additional $25,000 (excluding school taxes) on assessed value above $50,000. Starting January 1, 2025, the additional $25,000 portion is adjusted annually for inflation under Amendment 5 (Nov 2024). Non-homestead residential property has its own 10% assessment cap per year.
Property appraisers mail the TRIM (Truth in Millage) notice each August. Owners have 25 days from notice to petition the county Value Adjustment Board. Bills are due March 31, with discounts if paid early (4% Nov / 3% Dec / 2% Jan / 1% Feb).
Florida has no state income tax, so property tax — alongside sales tax and tourism revenue — carries more of the local-funding load. Florida's median effective rate is 0.76%, below the 0.94% national median.
Why your actual bill differs
The numbers above describe a typical homeowner in this ZIP code — not your specific bill. Three things move bills away from the median:
- Save Our Homes locks in older assessed values. A long-time homestead owner whose home has appreciated 50% over a decade may have an assessed value far below market — and a bill far below what the median home value in this ZIP suggests. Recent buyers reset to current market value and pay closer to or above the median.
- Special districts and CDDs. Master-planned communities (The Villages, Lakewood Ranch, Tradition, etc.) often run Community Development Districts that levy on top of county / municipal / school. These don't show up cleanly in the median because they cluster in specific subdivisions.
- Senior and exemption stacking. The $50,000 homestead is universal; some counties add senior, low-income, long-residence, or veteran exemptions on top — particularly Miami-Dade, Broward, and a handful of Gulf Coast counties.
For your current-year bill, look up your property through your county's property appraiser. The Florida Department of Revenue directory links to all 67.
Methodology
Data on this page comes from the US Census American Community Survey 5-year estimates, 2020–2024 vintage (released January 29, 2026), at the ZIP Code Tabulation Area (ZCTA) level. After filtering ZCTAs the Census suppresses for privacy or small-sample reasons, this page covers 927 Florida ZIPs.
Florida topcoding. Florida has relatively few topcoded ZIPs (under 1%), but a handful of high-value coastal markets — Naples, Boca Raton, parts of Miami Beach — hit either the $10,000 tax cap or the $2,000,000 median home value cap. For those ZIPs the displayed effective rate is an estimate.
Save Our Homes caveat. The ACS median tax reflects the gross bill before Save Our Homes savings — recent buyers and long-time homestead owners living in the same ZIP can have very different actual bills. The inflation-adjusted homestead exemption from Amendment 5 (2024) is too recent to appear in this vintage.
See the full methodology page for source details (Census table IDs, the population-weighted comparison-median rule, calculator formulas), how we handle topcoding across every state, and the refresh cadence.
Frequently asked questions
Why is the median tax in my ZIP different from what I pay?
Median is the middle of the distribution, not your specific bill. Florida's Save Our Homes cap means long-term homeowners often pay well below the median while recent buyers pay closer to or above it. Exemptions you qualify for (homestead, senior, veteran) and CDD assessments your subdivision may carry both shift your bill in either direction.
How does Save Our Homes portability work?
When you sell a Florida homestead and buy a new Florida homestead within three years, you can transfer up to $500,000 of the assessed-value difference (the gap between market value and SOH assessed value) to your new property. That can mean a meaningfully lower bill on the new home, especially if you're moving from a long-held home to a similar-priced replacement.
Where do I find my actual Florida property tax bill?
Through your county property appraiser (for assessed value and exemptions) and county tax collector (for the actual bill). The Florida Department of Revenue directory links to all 67 county sites.
When does FL data update on this page?
Annually, when the Census Bureau releases the new ACS 5-year vintage — historically in late January (the 2020–2024 vintage released January 29, 2026). The next release (2021–2025) is expected in January 2027.
Why don't you cover other states yet?
State-by-state rollout. Each state needs its own context section to be genuinely useful — Florida's Save Our Homes is very different from Texas's $140,000 homestead exemption or New Jersey's ANCHOR rebate. Texas, New Jersey, and Florida are live; California is next.