Florida homes sit on the tax roll far below what they are worth, because Save Our Homes caps a homesteaded owner’s assessment year after year. The cap belongs to the owner, not the house — and it resets when the home sells. This is the gap, measured from the state’s own 2025 certified rolls, county by county and ZIP by ZIP.
| ZIP | Area | County | Held below market | Median gap | Implied added tax/yr |
|---|---|---|---|---|---|
| 33168 | Miami | Miami-Dade | 49.2% | $189,444 | $2,076 |
| 33182 | Doral | Miami-Dade | 48.7% | $224,863 | $2,465 |
| 33055 | Opa Locka | Miami-Dade | 48.6% | $173,036 | $1,897 |
| 34251 | Myakka City | Manatee | 47.4% | $234,693 | $2,533 |
| 33175 | Miami | Miami-Dade | 46.2% | $241,976 | $2,652 |
| 33177 | Quail Heights | Miami-Dade | 45.7% | $205,740 | $2,255 |
| 33031 | Redland | Miami-Dade | 45.6% | $299,343 | $3,281 |
| 33184 | Miami | Miami-Dade | 45.1% | $183,470 | $2,011 |
| 33165 | Miami | Miami-Dade | 44.6% | $251,290 | $2,754 |
| 34956 | Indiantown | Martin | 44.5% | $120,617 | $1,082 |
| 33330 | Fort Lauderdale | Broward | 44.3% | $463,300 | $6,189 |
| 33158 | Miami | Miami-Dade | 44.2% | $442,854 | $4,854 |
| 33056 | Miami Gardens | Miami-Dade | 44.1% | $161,363 | $1,769 |
| 32059 | Lee | Madison | 43.9% | $61,557 | $564 |
| 32331 | Greenville | Madison | 43.6% | $54,668 | $501 |
| 32350 | Pinetta | Madison | 43.1% | $65,675 | $602 |
| 32617 | Anthony | Marion | 43.1% | $97,624 | $540 |
| 33147 | Miami | Miami-Dade | 42.7% | $166,478 | $1,825 |
| 33157 | Miami | Miami-Dade | 42.4% | $206,426 | $2,262 |
| 33187 | Quail Heights | Miami-Dade | 42.0% | $250,770 | $2,748 |
Implied figures are modeled at each county’s typical non-school millage — county-typical estimates, never a quote for a specific property.
Percentage and dollars are two different maps, and this is the part that gets missed. The widest percentage gaps in Florida are in the rural north — Madison tops the state at 41.7% held below market — but the homes are inexpensive, so the reset is worth a few hundred dollars a year. The gaps that cost real money are in South Florida, where a more moderate percentage sits on top of a much larger value. In Broward County the median parcel is carried $153,090 below market, which at county-typical non-school millage is about $2,045 a year in property tax the next buyer inherits and the seller never paid.
| County | Implied added tax/yr | Held below market | Median gap | Parcels | Millage |
|---|---|---|---|---|---|
| Broward | $2,045 | 26.9% | $153,090 | 722,146 | estimated |
| St. Lucie | $1,603 | 27.6% | $98,023 | 166,683 | estimated |
| Miami-Dade | $1,591 | 23.6% | $145,186 | 882,582 | estimated |
| Palm Beach | $1,536 | 25.7% | $125,741 | 627,609 | estimated |
| Pinellas | $1,462 | 27.1% | $111,627 | 416,129 | estimated |
| Volusia | $1,137 | 22.7% | $81,574 | 257,404 | estimated |
| Gulf | $1,124 | 24.7% | $90,146 | 13,589 | estimated |
| Hernando | $1,105 | 29.8% | $91,018 | 93,984 | estimated |
| Martin | $1,104 | 29.5% | $123,138 | 78,852 | estimated |
| Orange | $1,025 | 22.3% | $100,213 | 449,883 | estimated |
| Seminole | $861 | 26.5% | $97,859 | 165,866 | estimated |
| Lake | $848 | 20.2% | $83,609 | 179,071 | estimated |
| DeSoto | $838 | 32.1% | $66,244 | 12,859 | estimated |
| Monroe | $832 | 15.0% | $162,611 | 55,708 | estimated |
| Indian River | $806 | 23.6% | $90,061 | 84,285 | estimated |
Sorted by the share of market value held off the roll. 63 of Florida’s 67 counties clear the 5,000-parcel minimum, covering 9,108,842 parcels. The last two columns matter for reading the top of this table honestly: excluded is the share of each county’s roll dropped as agricultural or exempt, which in the farm counties runs to a quarter of all parcels, and millage marks whether the county’s rate is verified or estimated.
| County | Held below market | Median market | Median assessed | Implied added tax/yr | Parcels | Excluded | ZIP pages |
|---|---|---|---|---|---|---|---|
| Madison | 41.7% | $134,941 | $81,550 | $489 estimated | 8,271 | 16.9% | 4 |
| Hardee | 39.2% | $175,748 | $104,181 | $748 estimated | 9,566 | 23.9% | 3 |
| Hamilton | 37.7% | $144,036 | $90,087 | $453 estimated | 5,187 | 24.9% | 2 |
| Taylor | 36.5% | $135,480 | $88,330 | $440 estimated | 11,627 | 5.2% | 2 |
| Gilchrist | 35.7% | $173,114 | $107,364 | $657 estimated | 8,846 | 18.2% | 2 |
| Levy | 35.5% | $172,688 | $108,224 | $734 estimated | 23,375 | 14.0% | 5 |
| Suwannee | 34.3% | $141,018 | $91,624 | $493 estimated | 19,213 | 7.8% | 6 |
| Baker | 33.7% | $213,976 | $137,101 | $687 estimated | 10,450 | 5.8% | 3 |
| Jefferson | 33.0% | $172,047 | $112,271 | $473 estimated | 6,517 | 25.0% | 1 |
| DeSoto | 32.1% | $191,031 | $124,787 | $838 estimated | 12,859 | 13.4% | 2 |
| Bradford | 31.5% | $150,050 | $102,961 | $511 estimated | 10,953 | 6.5% | 3 |
| Hernando | 29.8% | $251,486 | $160,468 | $1,105 estimated | 93,984 | 1.3% | 9 |
| Jackson | 29.5% | $131,106 | $87,548 | $368 estimated | 17,494 | 5.7% | 8 |
| Martin | 29.5% | $382,120 | $258,982 | $1,104 estimated | 78,852 | 1.5% | 7 |
| Washington | 28.7% | $149,571 | $100,796 | $434 estimated | 10,620 | 14.5% | 2 |
| Columbia | 28.3% | $179,075 | $121,738 | $512 estimated | 27,152 | 8.1% | 4 |
| St. Lucie | 27.6% | $311,600 | $213,577 | $1,603 estimated | 166,683 | 1.5% | 14 |
| Nassau | 27.4% | $368,004 | $258,636 | $757 verified | 51,336 | 3.9% | 5 |
| Pinellas | 27.1% | $322,504 | $210,877 | $1,462 estimated | 416,129 | 0.5% | 46 |
| Putnam | 27.1% | $140,975 | $99,830 | $412 verified | 36,330 | 5.3% | 12 |
| Broward | 26.9% | $411,590 | $258,500 | $2,045 estimated | 722,146 | 0.3% | 53 |
| Seminole | 26.5% | $342,431 | $244,572 | $861 estimated | 165,866 | 0.3% | 14 |
| Citrus | 26.4% | $201,059 | $141,811 | $514 estimated | 87,229 | 0.9% | 13 |
| Okeechobee | 26.0% | $182,707 | $122,071 | $540 estimated | 17,471 | 8.3% | 2 |
| Clay | 25.8% | $277,076 | $200,551 | $672 verified | 89,232 | 0.7% | 6 |
| Marion | 25.8% | $224,812 | $162,313 | $346 verified | 184,430 | 2.4% | 22 |
| Palm Beach | 25.7% | $394,122 | $268,381 | $1,536 estimated | 627,609 | 0.7% | 50 |
| Gadsden | 25.4% | $130,415 | $97,078 | $233 estimated | 16,034 | 11.4% | 4 |
| Holmes | 25.4% | $127,574 | $86,701 | $495 estimated | 6,770 | 23.1% | 1 |
| Gulf | 24.7% | $260,000 | $169,854 | $1,124 estimated | 13,589 | 6.1% | 2 |
| Highlands | 24.5% | $187,533 | $129,840 | $588 estimated | 48,925 | 4.4% | 7 |
| Hendry | 24.4% | $197,324 | $135,718 | $571 estimated | 18,415 | 6.9% | 2 |
| Alachua | 24.1% | $240,474 | $172,895 | $632 verified | 92,983 | 3.5% | 15 |
| Pasco | 23.7% | $271,255 | $189,779 | $805 estimated | 260,985 | 0.7% | 24 |
| Indian River | 23.6% | $315,016 | $224,955 | $806 estimated | 84,285 | 1.5% | 8 |
| Miami-Dade | 23.6% | $429,564 | $284,378 | $1,591 estimated | 882,582 | 1.0% | 77 |
| Hillsborough | 22.9% | $299,560 | $222,001 | — not published | 493,199 | 0.8% | 48 |
| Volusia | 22.7% | $284,398 | $202,824 | $1,137 estimated | 257,404 | 0.8% | 25 |
| Brevard | 22.3% | $281,070 | $200,690 | $747 estimated | 282,757 | 0.3% | 26 |
| Orange | 22.3% | $353,990 | $253,777 | $1,025 estimated | 449,883 | 0.3% | 40 |
| Wakulla | 21.5% | $199,319 | $149,096 | $414 estimated | 16,158 | 7.0% | 2 |
| Dixie | 21.2% | $114,500 | $80,000 | $386 estimated | 7,484 | 13.0% | 2 |
| Lake | 20.2% | $296,149 | $212,540 | $848 estimated | 179,071 | 1.5% | 23 |
| Santa Rosa | 19.1% | $256,055 | $202,422 | $398 estimated | 87,133 | 3.4% | 6 |
| Duval | 18.8% | $253,464 | $192,528 | $702 verified | 361,515 | 0.3% | 31 |
| Glades | 18.3% | $165,654 | $121,338 | $458 estimated | 6,560 | 17.7% | 1 |
| Franklin | 17.1% | $230,000 | $167,610 | $731 estimated | 13,266 | 1.4% | 5 |
| Flagler | 16.8% | $283,456 | $226,012 | $488 estimated | 74,308 | 1.3% | 4 |
| St. Johns | 16.8% | $407,760 | $314,045 | $681 verified | 150,044 | 0.7% | 10 |
| Leon | 16.0% | $236,640 | $184,779 | $457 estimated | 95,789 | 0.7% | 10 |
| Sumter | 15.4% | $315,815 | $262,230 | $382 estimated | 84,026 | 2.5% | 7 |
| Collier | 15.0% | $468,936 | $362,776 | $681 estimated | 242,116 | 0.6% | 17 |
| Monroe | 15.0% | $724,582 | $561,971 | $832 estimated | 55,708 | 0.9% | 8 |
| Polk | 14.0% | $238,110 | $180,064 | $633 estimated | 307,782 | 1.3% | 31 |
| Escambia | 13.3% | $221,650 | $160,410 | $676 estimated | 133,655 | 1.2% | 15 |
| Lee | 11.7% | $293,688 | $238,370 | $589 estimated | 424,790 | 0.8% | 34 |
| Walton | 10.9% | $443,576 | $357,623 | $486 estimated | 68,226 | 4.5% | 7 |
| Charlotte | 9.6% | $266,461 | $209,480 | $594 estimated | 131,978 | 0.8% | 13 |
| Manatee | 9.4% | $336,879 | $263,831 | $788 estimated | 197,743 | 0.6% | 17 |
| Osceola | 8.5% | $307,600 | $249,828 | $510 estimated | 175,411 | 1.0% | 10 |
| Okaloosa | 7.4% | $280,708 | $231,209 | $370 estimated | 99,147 | 1.1% | 12 |
| Bay | 7.0% | $255,000 | $216,227 | $276 estimated | 109,105 | 0.4% | 10 |
| Sarasota | 6.8% | $322,600 | $267,300 | $432 estimated | 260,589 | 0.3% | 24 |
A big gap is not a warning about a bad market — it usually means the opposite: owners have held a long time in an area whose values rose. What it does mean is that the tax line on a listing is the least reliable number in the whole listing for a buyer. Counties at the low end of this table have either seen slower appreciation or more turnover; counties at the high end are where budgeting from the seller’s bill will hurt the most.
Two limits worth stating plainly. The rural counties at the top of the percentage table are also the counties where we exclude the most parcels as agricultural or exempt, so their medians rest on a smaller and less residential sample than the metro counties do. And where millage is marked estimated rather than verified, the dollar figure is the softer of the two numbers — the percentage gap comes straight off the roll, but converting it to dollars requires a rate we could not confirm from the county directly. Where our millage sources disagreed outright, the column reads not published and we show no dollar figure at all: the gap is still real and still measured, but we will not put a number on it that we cannot stand behind.
Put your own numbers on it with the property tax after purchase calculator and the Save Our Homes estimator, and remember the neighbors on the same bill: any CDD assessment, and separately insurance, which is having a very different year.
No estimate of any specific property’s taxes, and no promise about your bill. These are medians across thousands of parcels on the county’s certified roll, and the dollar figure is a modeled county-typical estimate at the county’s non-school millage — your actual bill depends on your purchase price, your taxing district, your exemptions, and any portability you bring with you. The one number that binds is on the tax bill after you close.
For each parcel on the Florida DOR certified tax roll we compare just/market value (mv) with assessed non-school value (av). Save Our Homes caps annual assessment growth for homesteaded owners, so a long-held home sits well below market on the roll; on sale the assessment resets toward the purchase price. The median gap per area therefore approximates the property-tax increase a new buyer inherits. Implied annual delta = median gap x the county's typical NON-SCHOOL millage (matched to the non-school assessed basis), a modeled county-typical figure, not a quote for any property. Parcels below $50,000 market value, with assessed above market, or with an assessed/market ratio under 0.15 (agricultural and exempt classifications) are excluded; the excluded count is reported per county. Areas are published only at 800+ qualifying parcels (ZIP) or 5,000+ (county). Aggregates only; no parcel-level or address-level figures are published. Roll year 2025; millage vintage FY2025-26. General information, not tax advice; deemed reliable but not guaranteed. Equal Housing Opportunity.
