The Amendment's Other Half: What Your County Stands to Lose.

The same cut, seen from both sides.

For three days every page on the internet answered one question: how much will I save. As of early June the conversation flipped to the opposite question, what gets cut to pay for it. We built the savings calculator for the first question. This page answers the second, with the same data and no spin. Every homesteaded dollar that drops off the non-school tax rolls is relief for the owner and a hole in a local budget. They are the same dollar.

The Florida House staff analysis of the amendment (CS/HJR 1F) estimates it reduces non-school local revenue by about $4.6 billion in the first year and roughly $8.4 billion a year once the $250,000 exemption is fully phased in for 2028. That is not a school-funding number. The amendment specifically protects school district taxes. The money at stake funds county and city government, police and fire, parks, libraries, roads, and special districts.

What changed on June 24, 2026.

There are now two separate property tax changes in motion, and they are easy to confuse. The amendment above is a November 2026 ballot question about the homestead exemption. Already law is a different lever: on June 24, 2026 the Governor signed SB 4F and a local-government transparency bill that change how every city and county sets its rate right now. SB 4F bars local governments from adding the rise in per capita personal income when they calculate their maximum millage, which lowers the base rate many can adopt, and it requires a two-thirds vote of the governing board to adopt any rate above the rolled-back rate, and a unanimous vote or a referendum to exceed it by more than 10%. The companion law forces a budget-cutting exercise, identifying up to 10% in potential reductions, before a budget is adopted (CBS Miami; Governor's office). Local officials have already warned the combination could force real service cuts. See whether your own bill went up or down on your August TRIM notice with the rollback rate and TRIM decoder.

Who actually absorbs it.

If homesteaded owners pay less, the load shifts. Renters and owners of non-homestead property, meaning second homes, investment property, and commercial real estate, do not get the larger exemption. The amendment does lower their annual assessment increase cap from 10% to 5%, which slows how fast their bills rise but does not cut them. Businesses keep paying on full value. And local governments face a choice: cut services, raise millage rates, or find other revenue. The net effect is a tax base that leans harder on everyone who does not qualify for homestead, which is the part of this debate renters and landlords are loudest about.

What each home removes from your county.

The honest per-county number we can compute exactly is the per-home figure. On a homesteaded $350,000 home, the value removed from the local non-school base is the added exempt amount, up to $200,000 at full phase-in, times your county's non-school millage. The table below ranks all 67 counties by that figure. A high-millage county like St. Lucie loses about $3,271 per home per year at full phase-in; a low-millage county like Monroe loses about $1,023. The statewide average non-school rate is about 9.64 mills. Multiply the per-home figure by the number of homesteads in a county and you get its total exposure, which is exactly why the precise county totals wait on official homestead counts (see the methodology note).

All 67 counties, ranked by per-home impact.

Common questions.

Methodology and sources.

Per-home figures are computed from data/millage-rates.json, the same FY2025-26 millage file that powers our calculators and all 67 county pages. The math mirrors the site's exemption logic: today's homestead exempts the first $50,000 of value (the first $25,000 from all millage, the next $25,000 from non-school millage), and the amendment lifts the non-school exemption to $150,000 in 2027 and $250,000 in 2028. Revenue removed per home equals the added exempt value times non-school millage. Northeast Florida counties are verified against county property appraisers; the rest use Florida TaxWatch 2025 county-average millage and are marked "est."

The statewide $4.6 billion to $8.4 billion range is the Florida House staff analysis of CS/HJR 1F, reported by CBS Miami and fact-checked by PolitiFact and WLRN. Poll support of 77% is from a Stetson University Center for Public Opinion Research survey reported by Florida Trend. We do not publish invented county totals: a precise total for a county requires its homesteaded parcel count and taxable value from the Florida Department of Revenue, which is not yet wired into this dataset, so this page reports the exact per-home figure and the verified statewide range instead.

This is a projection, not a certainty. The amendment passed the Legislature on June 2, 2026 and needs 60% voter approval in November 2026. It may also face a court challenge before reaching the ballot. Treat every figure here as conditional on passage.

Keep going.

Decode your August TRIM notice and the new rollback rate with the rollback rate and TRIM decoder, see exactly what the amendment does and does not do, run your own savings in the Florida amendment calculator, estimate your real year-1 bill in the Save Our Homes tax estimator, or open your county's page from the full Florida property tax hub.