Topic Hub · Q2 2026

Florida property tax data hub.

Effective property tax rates by ZIP across 7 NE Florida metros. Save Our Homes cap math, homestead exemption rules, portability, and the trap that catches almost every new buyer.

Sources: NEFAR RealMLS · Florida Department of Revenue · FDOR · OFR · U.S. Census ACS · See methodology

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Overview

What this hub tracks.

Florida has no state income tax, but it relies heavily on property tax to fund public services. Effective tax rates across NE Florida counties range from about 0.93% (St. Johns) to 1.30% (some Duval submarkets). On a $500K home, that's a $4,650-$6,500 annual difference depending on county and millage.

Three things determine what you actually pay: the county and city millage rate (varies by ZIP), the assessed value (set annually by the county property appraiser), and your exemptions. Florida's homestead exemption shaves $50,000 off assessed value for primary residences. Save Our Homes caps annual assessment increases at 3% for homesteaded properties.

The single most important thing buyers miss: when you buy, the seller's taxes are typically lower than what yours will be in year 2. Save Our Homes caps reset at ownership transfer. Always estimate property tax based on your purchase price, not the seller's current bill.

Featured analysis

Deep-dive guides.

Featured Analysis

Jacksonville Property Taxes by ZIP Code 2026

13 ZIP codes with effective rates from 0.93% to 1.24%. Save Our Homes cap math. The buyer estimation trap that catches almost every relocator. Annual tax tables by purchase price.

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FAQs

Common questions.

What is the property tax rate in Jacksonville?
Effective property tax rates across Jacksonville-area counties range from approximately 0.93% (St. Johns County) to 1.30% (some Duval submarkets). The average Duval County effective rate is approximately 1.18% on homesteaded primary residences after the $50,000 homestead exemption.
How does the Save Our Homes cap work?
Florida's Save Our Homes amendment caps annual increases in the assessed value of homesteaded primary residences to 3% or inflation, whichever is lower. The cap is preserved as long as the homeowner owns and occupies the home. When the home is sold, the cap resets and the new owner starts at full market value for tax purposes. The seller's tax bill is almost never a reliable predictor of what you'll pay.
What is the Florida homestead exemption?
The Florida homestead exemption reduces the assessed value of a primary residence by $50,000 for property tax purposes. On a typical Jacksonville home this saves approximately $565-$650 per year. You must own and occupy the home as your primary residence to qualify. Apply with the county property appraiser within the application deadline (typically March 1 of the year following purchase).
How does Florida homestead portability work?
Florida homeowners moving from one homesteaded property to another can transfer up to $500,000 of their Save Our Homes benefit. This means if you've been homesteaded on a $400K assessed home that has $200K of SOH protection, you can transfer that $200K reduction to your new home. Portability significantly benefits in-state buyers and is irrelevant for out-of-state relocators.
Which Jacksonville ZIP code has the lowest property tax?
St. Johns County ZIP codes (32082 Ponte Vedra Beach, 32092 World Golf Village, 32259 Julington Creek) have the lowest effective tax rates in the metro at approximately 0.93-0.96%. Clay County (32073 Orange Park, 32003 Fleming Island) is also lower than most Duval ZIP codes.

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