On June 2, 2026 the Florida Legislature passed CS/HJR 1F; it was Amendment 3 on the November 3, 2026 ballot, and voters approved it per unofficial results (about 62% yes; 60% was required). The homestead exemption on non-school taxes will rise to $150,000 in 2027 and $250,000 in 2028. Enter your county and home value to see your bill today, in 2027, and in 2028.
| Year | Exemption | School | Non-school | Total |
|---|
The Legislature approved CS/HJR 1F, titled "Save Our Homes from Excessive Property Taxes," by 75-26 in the House and 30-9 in the Senate. It was a constitutional amendment on the November 3, 2026 general election ballot, and voters approved it per unofficial results (about 62% yes; 60% was required). The homestead exemption on non-school property taxes will rise from today's $50,000 to $150,000 for the 2027 tax roll and $250,000 for 2028. The House staff analysis estimates roughly 60% of homesteaded Florida owners would pay zero non-school property tax once the full exemption is in place.
Selling in Florida? see what your home would sell for · home values by community · what you’d net after costs
Two parts of the amendment get less coverage but matter just as much. First, school taxes are carved out entirely. The $25,000 school exemption stays where it is, so every owner keeps paying the school portion of the bill. Second, non-homestead property, meaning rentals, second homes, and commercial buildings, gets no new exemption. Instead its annual assessment increase cap drops from 10% to 5%.
Your bill has two parts: school millage and non-school millage. The amendment only touches the second one. Take a homesteaded $350,000 home in Duval County at about 17.87 total mills. Today the bill runs near $5,518 a year. In 2027, with $150,000 exempt from non-school millage, it falls to about $4,366. In 2028, with $250,000 exempt, it lands near $3,214. That is an estimated $2,304 a year less, about $192 a month, and the remaining bill is mostly school tax.
The county you buy in changes the answer a lot. High-millage counties save the most: St. Lucie tops the table at about $3,271 a year on a $350,000 home. Low-millage counties save the least: Monroe saves about $1,023. The full 67-county table is below, and the calculator above runs any price in any county.
Same math as the calculator, at FY2025-26 county-average millage. Today a homesteaded owner gets $25,000 off the school portion and $50,000 off the non-school portion. The amendment leaves the school line alone and raises the non-school exemption to $150,000 in 2027 and $250,000 in 2028.
| County | School (unchanged) | Non-school today | Total today | Non-school 2027 | Total 2027 | Non-school 2028 | Total 2028 | Change by 2028 |
|---|---|---|---|---|---|---|---|---|
| Duval County (17.86 mills, 6.34 school) | $2,379 | $4,033 | $6,411 | $2,880 | $5,259 | $1,728 | $4,107 | $2,304 |
| Hillsborough County (15.73 mills, 6.50 school) | $2,438 | $3,230 | $5,667 | $2,307 | $4,744 | $1,384 | $3,822 | $1,846 |
Duval County: school tax on $375,000 taxable value at 6.343 mills is $2,379; non-school tax on $350,000 at 11.522 mills is $4,033, so the bill today is about $6,411. In 2028 the non-school line is charged on $150,000 ($1,728), and the total lands near $4,107, a difference of $2,304 a year ($192 a month).
Hillsborough County: school tax is $2,438 at 6.50 mills; non-school tax on $350,000 at 9.228 mills is $3,230, for about $5,667 today. In 2028 the non-school line falls to $1,384 and the total to about $3,822, a difference of $1,846 a year. Hillsborough saves less than Duval on the same home because its non-school millage is lower; the exemption removes the same $200,000 of taxable value in both counties, so the dollar change scales with the non-school rate.
These are county-average estimates and exclude city millage differences, CDD and special-district assessments. Millage: FY2025-26, from Duval County property tax and Hillsborough County property tax.
FY2025-26 millage, standard exemptions applied today, $150,000 exemption in 2027 and $250,000 in 2028, school taxes unchanged. Click any county for its full property tax page.
| County | Total mills | Bill today | 2027 ($150K) | 2028 ($250K) | Savings / yr |
|---|---|---|---|---|---|
| Alachua | 16.56 | $5,147 | $4,211 | $3,276 | $1,871 |
| Baker | 15.42 | $4,789 | $3,894 | $3,000 | $1,788 |
| Bay | 12.28 | $3,812 | $3,100 | $2,389 | $1,423 |
| Bradford | 17.35 | $5,366 | $4,282 | $3,197 | $2,169 |
| Brevard | 15.60 | $4,844 | $3,933 | $3,023 | $1,821 |
| Broward | 19.84 | $6,115 | $4,781 | $3,447 | $2,669 |
| Calhoun | 15.94 | $4,946 | $4,001 | $3,057 | $1,889 |
| Charlotte | 16.92 | $5,238 | $4,196 | $3,154 | $2,084 |
| Citrus | 14.96 | $4,646 | $3,778 | $2,909 | $1,737 |
| Clay | 15.05 | $4,673 | $3,795 | $2,916 | $1,756 |
| Collier | 11.05 | $3,432 | $2,791 | $2,149 | $1,283 |
| Columbia | 15.38 | $4,777 | $3,884 | $2,992 | $1,785 |
| DeSoto | 19.15 | $5,908 | $4,643 | $3,378 | $2,530 |
| Dixie | 17.69 | $5,469 | $4,350 | $3,231 | $2,238 |
| Duval | 17.86 | $5,518 | $4,366 | $3,214 | $2,304 |
| Escambia | 17.54 | $5,424 | $4,320 | $3,216 | $2,208 |
| Flagler | 14.65 | $4,548 | $3,698 | $2,849 | $1,700 |
| Franklin | 18.21 | $5,625 | $4,454 | $3,283 | $2,342 |
| Gadsden | 12.04 | $3,740 | $3,041 | $2,343 | $1,397 |
| Gilchrist | 16.49 | $5,109 | $4,110 | $3,111 | $1,998 |
| Glades | 16.84 | $5,216 | $4,181 | $3,147 | $2,069 |
| Gulf | 18.96 | $5,852 | $4,605 | $3,359 | $2,493 |
| Hamilton | 14.47 | $4,492 | $3,654 | $2,815 | $1,678 |
| Hardee | 16.95 | $5,249 | $4,203 | $3,158 | $2,091 |
| Hendry | 15.77 | $4,894 | $3,967 | $3,040 | $1,854 |
| Hernando | 18.64 | $5,753 | $4,540 | $3,326 | $2,427 |
| Highlands | 16.70 | $5,171 | $4,152 | $3,132 | $2,039 |
| Hillsborough | 15.73 | $4,881 | $3,958 | $3,035 | $1,846 |
| Holmes | 18.60 | $5,742 | $4,532 | $3,322 | $2,420 |
| Indian River | 15.44 | $4,795 | $3,900 | $3,005 | $1,791 |
| Jackson | 14.57 | $4,524 | $3,679 | $2,834 | $1,690 |
| Jefferson | 13.64 | $4,236 | $3,445 | $2,653 | $1,582 |
| Lafayette | 14.95 | $4,641 | $3,774 | $2,908 | $1,733 |
| Lake | 16.65 | $5,156 | $4,142 | $3,127 | $2,029 |
| Lee | 15.97 | $4,954 | $4,007 | $3,060 | $1,894 |
| Leon | 15.20 | $4,721 | $3,840 | $2,958 | $1,763 |
| Levy | 17.89 | $5,530 | $4,391 | $3,252 | $2,278 |
| Liberty | 16.96 | $5,249 | $4,204 | $3,158 | $2,091 |
| Madison | 15.66 | $4,861 | $3,945 | $3,029 | $1,832 |
| Manatee | 17.29 | $5,350 | $4,271 | $3,192 | $2,159 |
| Marion | 12.08 | $3,788 | $3,235 | $2,682 | $1,106 |
| Martin | 15.47 | $4,803 | $3,906 | $3,009 | $1,794 |
| Miami-Dade | 17.59 | $5,440 | $4,331 | $3,222 | $2,219 |
| Monroe | 8.82 | $2,737 | $2,226 | $1,714 | $1,023 |
| Nassau | 13.28 | $4,141 | $3,449 | $2,756 | $1,385 |
| Okaloosa | 12.89 | $4,004 | $3,256 | $2,509 | $1,495 |
| Okeechobee | 15.35 | $4,766 | $3,876 | $2,986 | $1,780 |
| Orange | 16.67 | $5,165 | $4,147 | $3,130 | $2,035 |
| Osceola | 15.23 | $4,730 | $3,847 | $2,963 | $1,767 |
| Palm Beach | 18.72 | $5,778 | $4,556 | $3,334 | $2,444 |
| Pasco | 16.15 | $5,009 | $4,043 | $3,078 | $1,931 |
| Pinellas | 19.39 | $5,978 | $4,690 | $3,401 | $2,577 |
| Polk | 16.19 | $5,019 | $4,050 | $3,081 | $1,937 |
| Putnam | 16.89 | $5,237 | $4,235 | $3,233 | $2,004 |
| Santa Rosa | 12.81 | $3,976 | $3,234 | $2,491 | $1,485 |
| Sarasota | 13.48 | $4,185 | $3,403 | $2,621 | $1,564 |
| Seminole | 15.18 | $4,714 | $3,834 | $2,954 | $1,760 |
| St. Johns | 13.47 | $4,196 | $3,469 | $2,742 | $1,454 |
| St. Lucie | 22.85 | $7,019 | $5,383 | $3,748 | $3,271 |
| Sumter | 12.28 | $3,814 | $3,102 | $2,389 | $1,425 |
| Suwannee | 16.49 | $5,109 | $4,110 | $3,111 | $1,998 |
| Taylor | 15.83 | $4,911 | $3,978 | $3,045 | $1,865 |
| Union | 17.23 | $5,332 | $4,259 | $3,186 | $2,147 |
| Volusia | 19.21 | $5,927 | $4,655 | $3,384 | $2,543 |
| Wakulla | 14.22 | $4,415 | $3,590 | $2,765 | $1,650 |
| Walton | 9.76 | $3,030 | $2,464 | $1,898 | $1,132 |
| Washington | 15.35 | $4,767 | $3,876 | $2,986 | $1,780 |
Buried in the amendment is a hard date. Establish primary Florida residency on or before December 31, 2026 and you are eligible for the expanded exemption when it takes effect. Move after that and you wait five years before claiming the full $250,000. If you are out of state and Florida was already on your list, this is the strongest financial argument for closing and homesteading this year that the state has ever handed you. The residency deadline guide walks through the four-year cost of waiting county by county and the steps to beat the date.
Rental property gets no exemption, and opponents warn the shifted burden lands on exactly the properties renters live in. The Florida League of Cities put it plainly: when homesteaded value comes off the roll, the cost of services does not disappear, it shifts to businesses and non-homesteaded property. The House analysis projects non-school local revenue dropping $4.6 billion initially, growing to $8.4 billion a year. The counterweight for landlords is the new 5% assessment cap, which slows how fast a rental's taxable value can climb. Whether the net effect raises rents will vary by market, and Florida's current rental oversupply gives tenants more leverage than usual.
Price a purchase on today's real bill, which is what the calculator shows first. The 2027 and 2028 figures are estimates: they depend on your county's future millage rates and on your own homestead status. For people moving to Florida, the residency rule applies: To get the larger exemption right away you must be a permanent Florida resident as of December 31, 2026. Owners who establish Florida residency after that date receive only the existing $50,000 exemption for five years, then qualify for the full amount. See what the result means for buyers.
See plainly what the amendment actually does, get your exact year-1 bill with the Save Our Homes tax estimator, estimate today's bill in any county with the Florida property tax calculator, see how community development districts change the math with the CDD carrying cost calculator, or compare Jacksonville property taxes by zip code and insurance costs by area. Browse all 67 counties at the Florida property tax hub, or run your full payment with the mortgage calculator.
Part of the Florida property tax hub: the statewide tracker, Save Our Homes guide and every county's page, or start from the county-by-county estimator.
Estimates, not quotes. Figures use county-average FY2025-26 millage with standard exemptions and exclude CDD assessments, special districts, and city-level variation. The amendment passed on November 3, 2026 per unofficial results; the state certifies official results later, and the changes take effect January 1, 2027. Nothing here is tax or legal advice. For an exact bill, use your county property appraiser's estimator or talk to a tax professional.
School taxes keep the $25,000 exemption, and Save Our Homes (the 3%-or-CPI cap on homestead assessments) is unchanged. Savings shown on this site are estimates; run yours in the Amendment 3 calculator or read what the result means.
We are a Florida brokerage that lives in this math every day. If the December 31 residency line changes your timing, talk to us about what closing this year actually looks like.
Talk to the founders<a href="https://movewithmomentum.com/florida-property-tax/amendment-calculator">Florida Amendment 3 Tax Calculator (Passed Nov. 3, 2026) — Momentum Realty</a>Want a value for your home under the new homestead rules, or help finding one? A Momentum Realty agent can help. Free, no obligation.