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.
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 (Amendment 5, 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
Source. US Census Bureau, American Community Survey 5-year estimates, 2020–2024 vintage (released December 11, 2025). The Census publishes this data at the ZCTA (ZIP Code Tabulation Area) level — its geography that approximates USPS ZIP service areas.
What "median" means. Half the owner-occupied homeowners in the area pay more, half pay less. Medians ignore outliers — a single high-value property doesn't pull the number up the way an average would.
Trailing data. ACS 5-year estimates aggregate five survey years to support reliable numbers at small geographies. The midpoint of 2020–2024 is roughly three years ago, so the figure reflects the typical homeowner over that period — not the most recent year. The next vintage (2021–2025) is expected December 2026 and will be the first to capture the inflation-adjusted homestead exemption from Amendment 5 (2024).
Topcoding. The Census topcodes property tax at $10,000 and median home value at $2,000,000 to protect respondent privacy. Florida has relatively few topcoded ZIPs (under 1%) compared to NJ and CA, but a handful of high-value coastal markets (Naples, Boca Raton, parts of Miami Beach) hit the value cap. For these ZIPs the displayed effective rate is an estimate.
Owner-occupied only. Rentals and commercial property are excluded. The ACS median tax also 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.
Comparison medians. The "vs. Florida state rate" and "vs. US national rate" values come from the ACS-published, population-weighted state-level (FL: $2,730 on $359,000, 0.76%) and US-level ($3,119 on $332,700, 0.94%) medians — not computed from the per-ZIP medians on this page.
ZIP coverage. ZCTAs the Census suppresses for privacy or small-sample reasons are omitted. After filtering, this page covers 927 Florida ZIPs.
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, in mid-December, when the Census Bureau releases the new ACS 5-year vintage. The next release (2021–2025) is expected December 2026.
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.