Florida Amendment 3: how much will you save on property taxes?

Florida voters approved a bigger homestead exemption for non-school property taxes: $150,000 in 2027 and $250,000 in 2028. Look up your home to compare your current bill with the new rules, then learn how to update your mortgage escrow.

Free · about 2 minutesUses the official 2026 FL tax rollNo sign-up needed

Estimate only, not tax advice. Amendment 3 has not been implemented yet: implementing legislation and Florida DOR rules are pending, and results are not certified.

Your property

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County

Homestead exemption today?

Just (market) value

Shown for reference only.

Assessed value — non-school

After the Save Our Homes cap. On your TRIM notice it's the "assessed value" column.

Assessed value — school

Usually the same as non-school for a homestead.

Tax rates (millage)

School millage

School board levies (state + local). 1 mill = $1 per $1,000 of taxable value.

Non-school millage (total)

County, city, fire, library, water management and other districts.

Non-school breakdown (used for senior exemptions)

County levies

City levies

Independent districts

If these don't add up to the non-school total, we scale them to match.

Millage used: 2025 final rates published by the FL Department of Revenue (by tax district where matched, otherwise the county average), applied to 2026 assessed values and held constant. Future rates are set by local governments and may differ. Your 2026 rates are on your 2026 TRIM notice or tax bill; edit them here if they differ.

Other exemptions (senior, widow/widower, disability, veteran)

Senior (65+, limited income) — county

Senior (65+, limited income) — city

Widow / widower

Blind

Disability

Disabled veteran (10%+)

Combat-disabled veteran 65+ discount %

Long-term senior exemption (65+, 25 years in the home, just value under $250,000 at the time you applied) Fully exempt (totally & permanently disabled, 100% disabled veteran, or surviving spouse)

Senior exemptions are local options that apply only to the county or city levies that adopted them. Applied after the homestead exemption, as Florida law requires.

Non-ad valorem fees

Annual non-ad valorem assessments

Where do I find these numbers?

TRIM notice ("Notice of Proposed Property Taxes", mailed in August): shows market value, assessed value, exemptions and taxable value for school and non-school levies, plus each taxing authority's rate.
Tax bill (mailed by the tax collector in November): lists each ad valorem levy with its millage, and the non-ad valorem assessments separately. Add the school board lines for school millage; everything else is non-school.
Your county property appraiser's website shows the same values. Search by address or parcel number.

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