Save Our Homes Portability Calculator
Moving within Florida? Your Save Our Homes cap can move with you. Enter your current homestead’s numbers and your next home’s price, and see the assessed value you’d start with and the property tax it saves in the county you’re moving to.
Your move
Your result
How the math works
Your Save Our Homes differential is your home’s market (just) value minus its capped assessed value. Florida lets you transfer up to $500,000 of that differential to a new homestead. Moving up (equal or higher market value): the full capped differential comes off the new home’s assessed value. Moving down: you keep the same percentage of benefit, so the new assessed value equals the new market value times your old assessed-to-market ratio. Then the homestead exemption comes off ($25,000 for all levies, plus up to another $25,000 for non-school levies, adjusted annually for inflation), and your county’s millage does the rest. This calculator applies your destination county’s verified typical millage with the school and non-school split, since the second exemption does not reduce school taxes.
Questions people ask about portability
How does Save Our Homes portability work in Florida?
When you move to a new Florida homestead, you can transfer (port) the difference between your old home's market value and its Save Our Homes assessed value, up to 500,000 dollars. Moving up ports the full differential; moving down ports a proportional share.
How much of my Save Our Homes benefit can I transfer?
Up to 500,000 dollars of assessed-value differential. If your new home's market value is equal to or higher than your old home's, you keep the full capped differential. If you downsize, you keep the same percentage of benefit your old home had.
What is the deadline to port my Save Our Homes benefit?
You must establish your new homestead within three tax years after January 1 of the year you abandoned the old homestead, and file the DR-501T transfer form with your homestead application, typically by March 1.
Does portability work between different Florida counties?
Yes. Portability works statewide, between any two Florida counties. The two property appraisers coordinate the transfer after you file in the new county.
Can both spouses combine portability benefits?
If two owners abandon separate homesteads, the new joint homestead can generally use the higher of the two benefits, not the sum, subject to the 500,000-dollar cap. Divorcing or separating owners can split a benefit. Ask the county property appraiser about your specific case.
Planning the whole move? Compare two counties’ full monthly cost with the county move calculator, estimate your current bill with the Save Our Homes tax estimator, check property taxes by county, or see what selling nets you with the seller net proceeds calculator.
Estimates only, using the portability formula in s. 193.155, Florida Statutes, and each county’s verified typical millage (municipal and special-district rates vary within counties; some county figures use TaxWatch averages pending the next DOR refresh). Your property appraiser makes the official determination on form DR-501T. Not tax or legal advice. Equal Housing Opportunity.