The average Florida property tax rate is about 0.78% of a home’s value, which comes to roughly $2,730 a year on the typical Florida home. That makes Florida property tax a middle-of-the-pack burdens in the country. This guide breaks down the Florida property tax rate, what the typical bill looks like, how your bill is figured, where the money goes, and — most useful of all — how to check
whether you are overpaying and how to pay less.
Florida Property Tax at a Glance
| Effective tax rate | 0.78% |
| Median annual bill | $2,730 |
| Median home value | $359,000 |
| Rank among states | #27 of 50 highest |
| vs. U.S. average | $1,541 below the U.S. average ($4,271) |
| Reassessed | Annually — Florida property is assessed every year as of January 1. |
Rate & bill: U.S. Census Bureau ACS 2024 5-year (effective rate B25090/B25082 – the Tax Foundation method; median bill B25103; value B25077).
| Florida Property Tax | Figure |
|---|---|
| Effective property tax rate | 0.78% |
| Median annual property tax bill | $2,730 |
| Median home value | $359,000 |
| Rank (highest to lowest) | #27 of 50 states |
| U.S. average bill | $4,271 |
In This Florida Guide:
What Is the Florida Property Tax Rate?
The Florida property tax rate is not one flat number — it is the combined result of your county, city, township, and school-district rates, applied to your home’s assessed value. Across Florida, homeowners pay about 0.78% of their home’s value on average, or around $2,730 a year on a typical $359,000 home. That puts Florida in the middle nationally — ranked #27 of 50 states from highest to lowest. Two
homes worth the same amount can still owe very different bills depending on the town and school district, so treat the statewide figure as a starting point, not your exact bill.
If your bill went up, start by reading the assessment notice itself: the numbers show your property’s market value, your assessed (capped) value, the exemptions applied, and the taxable value the tax is figured on. Many homeowners find they qualify for an exemption they haven’t claimed, or that the assessed value is worth a closer look — you can contact your county Property Appraiser with questions, and if you still
disagree you may file an appeal with the county Value Adjustment Board (check your assessment notice for the filing window).
Take it one step at a time; you have real, ordinary paths to make sure your bill is right.
Think your Florida bill is too high? Check in two minutes.
How Florida Property Tax Is Calculated
Your Florida property tax starts with an assessed value set by In Florida, property is assessed by the county Property Appraiser — an elected official in each of the 67 counties. The Property Appraiser’s office (not a “tax collector” or “auditor”) determines the value of every property; a separate county Tax Collector handles billing and collection.. Your county Property Appraiser sets a “just” (market) value for your home as of
January 1 each year, then applies any exemptions and assessment limits set by law to arrive at the assessed and taxable value your bill is based on.
Look at the assessed value listed on your notice — that, not the full market value, is what your taxes are calculated from. That assessed value is then multiplied by the combined local tax rate to produce your bill. In Florida, property is generally reassessed Annually — Florida property is assessed every year as of January 1.. The single most important number to check is your assessed value: if it
is higher than what your home would sell for, your bill is too high — and that is exactly what an appeal fixes.
The actual rates in Florida are set by Rates (millage) are set locally by several taxing authorities, not by the state: your county, your city or municipality, the school district, and any special districts (such as water management or fire districts). Your total rate is the combination of all of these.. That is why your neighbor one town over can pay a different bill on an identical house.
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Where Your Florida Property Tax Money Goes
Florida property taxes mostly fund local services — public schools, county and city government, police and fire protection, roads, libraries, and special districts. Very little goes to the state; the revenue stays local. For most Florida homeowners, the school-district share is the biggest single piece of the bill, which is why property taxes tend to be highest where schools rely most on local funding.
One Florida note: Florida has a “Save Our Homes” assessment limit that caps how much the assessed value of a homesteaded property can rise each year, so long-term owners often see a taxable value well below current market value (check the “assessed” vs. “market” lines on your notice). Florida also has no state income tax, so local governments lean more heavily on property taxes. Appeals are heard by a county
Value Adjustment Board.
How Florida Property Tax Compares
The U.S. average property tax bill is about $4,271 a year. The typical Florida bill of $2,730 is $1,541 below that. Remember that a low rate does not always mean a low bill — a state with cheap rates but expensive homes can still cost you more than Florida. The dollar bill and your own assessment matter more than the headline rate.
How to Lower Your Florida Property Tax
You cannot change the Florida property tax rate, but you have two real levers on your own bill. First, claim every exemption you qualify for. Florida offers several property tax breaks that can lower your bill, including a homestead exemption for your permanent residence, plus additional relief for seniors (age 65 and older, income-limited), veterans and their surviving spouses, and homeowners with disabilities. These are not automatic — you generally
must apply through your county Property Appraiser — so it’s worth checking whether you qualify for one or more (see the data box above for any amounts).
Second, appeal your assessment if your home is valued higher than it would sell for — studies suggest a large share of homes are over-assessed, and appeals often succeed.
Don’t want to appeal your Florida taxes yourself? A property tax appeal service can file everything for you and usually only charges if it wins — typically a share of what it saves you. It is one option; you can also appeal on your own for free.
Frequently Asked Questions
What is the Florida property tax rate?
The average effective Florida property tax rate is about 0.78% of a home’s value, based on U.S. Census data. On the typical Florida home that works out to roughly $2,730 a year. Your own bill depends on your county, city, and school district, plus any exemptions you claim — see the data box above.
Why is my Florida property tax so high?
Property tax in Florida is driven mostly by your local rates (especially school levies) and by your home’s assessed value. If your assessment is higher than what your home would actually sell for, you may be overpaying — that is the most common reason a bill is too high, and it is something you can appeal.
How can I lower my Florida property tax?
Two things help most in Florida: make sure you are claiming every exemption you qualify for (homestead, senior, veteran, or disability), and appeal your assessment if your home is over-valued. Both can lower your bill, and both are free to do yourself.
Florida Property Tax Sources & Data
- Florida Department of Revenue (property tax): https://floridarevenue.com/property/Pages/default.aspx
- Tax Foundation — Property Taxes by State & County: taxfoundation.org
- U.S. Census Bureau (American Community Survey): census.gov/acs
- Lincoln Institute of Land Policy (property tax data): lincolninst.edu
Florida property tax rates and typical bills on this page come from U.S. Census (American Community Survey) data as
published by the Tax Foundation, and were last checked in July 2026. Rates and bills change each year and vary by county
— confirm your own figures with your county assessor before you rely on them.
More Property Tax Guides
- Property Tax Rates by State
- Property Tax by County
- Are You Overpaying? Over-Assessment Checker
- Property Tax Exemption Finder
Disclaimer: This guide is informational only and is not legal, tax, or financial advice. Know Property Tax is an independent educational resource. It is not a government agency, not a county assessor, and not a tax-appeal service. Property tax rates, bills, exemptions, and deadlines change over time and vary by county and property. Confirm anything that affects your taxes with your county assessor or a licensed professional before you act.