Gainesville property tax map.
What you actually pay in property taxes across Gainesville-area submarkets. Effective rates, homestead exemption math, and real annual numbers.
How property tax works in Alachua County.
Florida has no state income tax, but it relies heavily on property tax to fund public services. Alachua County's effective tax rates run in the 1.0%-1.5% range — moderate by national standards but a meaningful annual cost.
Buying? Search homes for sale in Gainesville, FL
Selling? What’s my home worth?
Three things shape what you actually pay: the county/city/district millage rate, the assessed value (set by the property appraiser), and your exemptions. Florida's homestead exemption shaves $50,000 off the assessed value for primary residences, which on a $400K home saves roughly $550/year.
The single most important thing buyers miss: when you buy in Florida, the seller's taxes are frequently lower than what your taxes will be in year two. The Save Our Homes amendment caps annual assessment increases at 3% for homesteaded properties, but the cap resets when ownership transfers. A long-time owner might be paying tax on a $200K assessed value when the home is worth $400K — and you'll start fresh at the full $400K value. Always estimate taxes based on the purchase price.
| Area | Effective Rate (Homestead) | Annual Tax on $400K Home* | Notable Pattern |
|---|---|---|---|
| City of Gainesville (NW) | 1.12% | $3,950 | City millage adds to county |
| City of Gainesville (SW/UF area) | 1.12% | $3,950 | Same city rate, varies by parcel |
| Unincorporated Alachua County | 0.98% | $3,450 | No city millage |
| Newberry | 1.05% | $3,700 | Small city millage add-on |
| Alachua (city) | 1.08% | $3,820 | Small city millage |
| High Springs | 1.04% | $3,675 | Small city millage |
| Archer | 1.02% | $3,580 | Small city millage |
*Annual tax estimate on a $400,000 home with homestead exemption applied. Effective rate = total annual tax ÷ assessed value, after homestead. Specific bills depend on additional special-district assessments where applicable.
The Save Our Homes cap, explained.
Florida's Save Our Homes (SOH) amendment limits annual increases in the assessed value of homesteaded properties to 3% or the rate of inflation, whichever is lower. This is the single biggest reason long-term Alachua County residents pay disproportionately less tax than recent buyers.
The SOH cap is preserved for the homeowner as long as they own and occupy the home. When the home is sold, the cap resets and the new owner starts at the home's full market value. For buyers: the seller's tax bill is typically not a reliable predictor of what you'll pay.
Portability: Florida homeowners moving from one homesteaded property to another can transfer up to $500,000 of their SOH benefit to the new home. This is a substantial savings for in-state movers; out-of-state buyers don't get this benefit. New homestead applications must be filed by March 1 of the year following purchase.
| Home Price | Lowest (Unincorporated) | Alachua Avg | Highest (City of Gainesville) |
|---|---|---|---|
| $250,000 | $1,950 | $2,225 | $2,550 |
| $350,000 | $2,940 | $3,335 | $3,775 |
| $450,000 | $3,920 | $4,440 | $5,025 |
| $600,000 | $5,395 | $6,115 | $6,920 |
| $850,000 | $7,840 | $8,890 | $10,080 |
All figures assume homestead exemption applied. Non-homesteaded properties typically run 25-35% higher due to loss of homestead and SOH protections.
<a href="https://movewithmomentum.com/data/gainesville-property-tax-map">Gainesville Property Tax Map 2026 — Momentum Realty</a>When estimating monthly payment on any Gainesville home, do not trust the listing's "taxes" number. Listings almost always show the seller's current bill, which is based on the seller's homesteaded, SOH-capped value. Your bill as a new buyer will reset to the purchase price. We've seen estimated monthly payments off by $200-$400/month because of this. Always estimate at the purchase price and the current millage rate.
Effective tax rates calculated from the most recent (2025 tax year) millage rates for Alachua County and applicable city millages. Effective rate = total millage applied to homesteaded assessed value ($50K exemption applied). Annual tax estimates assume the home is purchased at the price shown and homesteaded by the new owner the following year. Non-homesteaded figures assume no exemptions.
Primary sources: Alachua County Tax Collector · City of Gainesville · Florida Department of Revenue. Data accuracy reflects Momentum Realty's best available information as of the last update date.
Important: Information on this page is for general informational purposes only and is not financial, legal, tax, or insurance advice. Always consult a licensed professional for guidance specific to your situation.
Affiliated Business Arrangement: The principal owners of Momentum Realty, Jon Brooks and Brittany Brooks, have a 50% ownership interest in Titan Title Services LLC. You are not required to use Titan Title Services LLC. There are frequently other settlement service providers available with similar services; you are free to shop around to determine that you are receiving the best services and rate. See full disclosures →
Last updated: Q2 2026 (May). Next refresh: Q3 2026 (August).
What changed since June 20, 2026
Updated November 4, 2026. The guidance above still applies; the market figures around it have moved since June 20, 2026. In Gainesville, the median sold price over the past 12 months was $312,500 (down 2.3% from $320,000 a year earlier), with 724 homes for sale, 93 pending and 4.2 months of supply as of November 2, 2026. Alachua County had 1,136 active listings and 154 pending sales on November 2, 2026, with 3,068 closings over the past 12 months (up from 2,910 the 12 months before). The median list price was $324,900, or $195 per square foot, the median active listing had been on the market 51 days, and 4.4 months of supply reads as a balanced market on our scale.
Mortgage rates rose: the 30-year fixed averaged 6.47% in Freddie Mac's survey for the week of June 18, 2026 and 7.24% for the week of October 29, 2026. On a $312,500 home (the median sold price above) with 20% down, that moves principal and interest from about $1,575 to about $1,704 a month, roughly $129 more (our arithmetic; taxes and insurance not included).
On November 3, 2026, Florida voters approved Amendment 3 with about 62% of the vote when the race was called (unofficial results; 60% was needed). It raises the homestead exemption from non-school property taxes to $150,000 in 2027 and $250,000 in 2028, with inflation adjustments after that, and school taxes are not affected. It also cuts the annual cap on assessment increases for non-homestead property, such as rentals and businesses, from 10% to 5%. Someone who was not a Florida resident on December 31, 2026 gets the current exemption when first qualifying, and the higher exemption starts in their fifth year. For a Alachua County homestead assessed at $150,000 or more, the 2027 step from $51,411 to $150,000 is worth about $922 a year at the FY2025-26 county-average non-school rate of 9.3552 mills (our arithmetic; city and special-district rates differ, and 2027 millage is not set yet).
Did Florida's Amendment 3 pass?
Yes. Voters approved it on November 3, 2026 with about 62% of the vote when the race was called, above the 60% required. The larger homestead exemption from non-school taxes starts in 2027 ($150,000) and rises to $250,000 in 2028.
How much could Amendment 3 save a Alachua County homeowner?
For a homestead assessed at $150,000 or more, about $922 a year in 2027 at the FY2025-26 county-average non-school rate of 9.3552 mills (our arithmetic). The real figure depends on your city, special districts and the 2027 rates local governments adopt.
Newer on this topic:
- Amendment 3 and mortgage rates: our November 3, 2026 brief
- Save Our Homes tax estimator
- What your property tax will be after you buy
Sources: Momentum Realty county and city figures computed from Stellar MLS listing data as of November 2, 2026 (12-month closings; list price, price per square foot and days on market from current active listings); Freddie Mac Primary Mortgage Market Survey via FRED, weeks of June 18, 2026 and October 29, 2026; Alachua County Property Appraiser, FY2025-26 adopted budget (FY2025-26 millage); News4JAX and CBS12 election coverage, November 3, 2026; Momentum Research macro brief, November 3, 2026. Figures change daily; verify before relying on them. Equal Housing Opportunity.