Florida Property Tax Discount Calculator
Florida gives you 4% off your property tax bill for paying in November, 3% in December, 2% in January and 1% in February. Enter the gross amount on your 2026 bill and see what each month saves in dollars, what a card fee takes back, and whether paying early beats leaving the cash in savings until March 31.
Your 2026 bill
No bill handy? Estimate it from your county
Card fees vary by county: Duval charges 2.5% ($2.50 minimum), Pinellas 2.5% and Palm Beach 2.4%, per their tax collectors (checked October 31, 2026). eCheck payments carry no fee in those counties.
What paying early is worth
How the math works
The discount. Section 197.162, Florida Statutes, sets the early-payment discount on the full bill: 4% in November, 3% in December, 2% in January and 1% in February. The gross amount is due by March 31, 2027, and unpaid 2026 taxes become delinquent on April 1, 2027. For 2026 bills, January 31 and February 28, 2027 fall on Sundays; Clay County’s tax collector says a deadline on a weekend or holiday carries to the next working day, so the calculator uses February 1 and March 1, 2027. Mailed payments are judged by postmark. Check your own county’s page before cutting it close.
The yearly rate. A discount is a return on money you would pay anyway by March 31. Paying $4,440 on November 30 instead of $4,625 on March 31 earns $185 on $4,440 over 121 days, which is about 12.6% a year. December, January and February work out to similar yearly rates on smaller dollar amounts, because the money is tied up for less time. The calculator compares that with the interest the same cash would earn in savings until March 31 at the rate you enter.
The estimate helper. If you do not have the bill, the helper applies your county’s typical FY2025-26 school and non-school millage from our Florida property tax calculator data, with $25,000 of homestead exemption on school taxes and $50,000 on non-school taxes. City and special-district rates vary inside a county, so the bill itself is always the better number. If the bill is higher than you expected, the recapture calculator shows why, and the escrow shortage calculator shows what it does to a mortgage payment.
For the full story behind the numbers, including a county-by-county table, read our analysis of the November discount. To see how Amendment 3 changes the 2027 and 2028 bills, use the Amendment 3 property tax calculator.
Common questions
How much is the Florida property tax early payment discount?
4% if you pay in November, 3% in December, 2% in January and 1% in February. There is no discount in March, when the gross amount is due. The discount comes from section 197.162, Florida Statutes, and applies in every county.
What is the last day for the 4% discount on 2026 bills?
Monday, November 30, 2026. Mailed payments count by postmark date, but Palm Beach County’s tax collector asks mailers to allow up to 15 days for delivery and processing, so do not wait for the last day if you mail a check.
Is it worth paying Florida property taxes in November?
Usually, if the cash is not your emergency fund. The 4% discount works out to about 12.6% a year compared with paying the gross amount on March 31, well above what savings accounts paid in late 2026. A $4,625 bill saves $185 in November.
Should I pay my property tax bill with a credit card?
Only if the card’s rewards or a sign-up bonus cover the fee and you pay the card in full. A 2.5% card fee takes back most of the 4% discount, and carrying the balance at card interest rates costs far more than the discount saves.
My mortgage company pays my taxes. Do I need to do anything?
No. If your loan has an escrow account, the servicer receives the bill and usually pays in November to take the 4% discount. Paying it yourself as well can leave the bill paid twice. Check in December that the tax collector shows it paid.
What happens if I miss the March 31 deadline?
Unpaid 2026 taxes become delinquent on April 1, 2027. Florida law then adds interest and costs, and the county can sell a tax certificate on the unpaid bill. If paying in full is hard, ask the tax collector about the installment plan for the next tax year, which you apply for by April 30.
Prefer four smaller payments next year?
Florida’s installment plan (section 197.222) splits a year’s estimated taxes into four payments: June 30 with 6% off that installment, September 30 with 4.5%, December 31 with 3% and March 31 with no discount. You apply by April 30 for the following tax year. The calculator’s installment line shows what the plan would save on a bill like this one; the actual installments are based on the tax collector’s estimate, so they will not match exactly.
Thinking about buying or selling and want the full yearly cost of a home, taxes and insurance included? A Momentum Realty agent can walk through the numbers on any listing. Commissions are always negotiable. Try the true cost of ownership calculator or start your home search.
<a href="https://movewithmomentum.com/tools/florida-property-tax-discount-calculator">Florida Property Tax Discount Calculator (2026): 4% to 1% — Momentum Realty</a>Estimates only, for planning. Discount percentages are from section 197.162, Florida Statutes; deadline dates for 2026 bills, the weekend rule, postmark rule and card fees are from the Pinellas, Clay, Duval and Palm Beach county tax collectors as published or checked October 31, 2026, and can differ in your county. Savings interest is simple interest at the rate you enter. The county estimate uses county-typical FY2025-26 millage (Momentum Realty data as of June 5, 2026) and is approximate; your bill controls. Not tax, legal or financial advice. Updated November 13, 2026.