On June 2, 2026 the Florida Legislature passed CS/HJR 1F and sent it to the November ballot. If 60% of voters approve, the homestead exemption on non-school taxes jumps 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 is now a constitutional amendment on the November 2026 general election ballot, and it needs at least 60% of the vote to pass. If it does, the homestead exemption on non-school property taxes rises 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.
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 $2,304 a year back, 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.
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.
Do not buy on the assumption the amendment passes. It needs 60%, and 60% is a high bar. Price your purchase on today's real bill, which is what the calculator shows first, and treat the 2027 and 2028 numbers as upside. The one decision the amendment should change today is timing for relocators, because of the December 31 residency line. It should not change what you can afford.
Get your exact year-1 bill with the Save Our Homes tax estimator, 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.
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 requires 60% voter approval in November 2026 and is not law. Nothing here is tax or legal advice. For an exact bill, use your county property appraiser's estimator or talk to a tax professional.
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.
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