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FL Property Tax Estimator

Jacksonville property tax by county with homestead exemption and disabled veteran savings. See exactly how much exemptions save you.

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Market value (similar to purchase price)

Exemptions (check all that apply)

💡 Save Our Homes cap (2026): After your first year of homestead, assessed value increases are capped at 2.7% per year, even if market value skyrockets. Long-term owners pay far less than new buyers on similar homes.

Annual Property Tax

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Monthly (Escrow)

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Effective Rate

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You Save

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vs. no exemptions

Homestead filing reminder

Florida homestead applications must be filed by March 1 of the year after you move in. I'll send you the filing guide and county links.

Frequently Asked Questions

How does Florida's homestead exemption work?

Florida's homestead exemption saves you up to $50,000 off your taxable value on your primary residence. The first $25,000 applies to ALL property taxes. The second $25,000 applies only to non-school taxes (on assessed value between $50K-$75K). On a $400K home in Duval, homestead saves you roughly $800/year.

What is the Save Our Homes (SOH) cap?

Save Our Homes is a Florida constitutional amendment that caps annual increases in your assessed value at 3% OR the CPI change, whichever is less. The 2026 SOH cap is 2.7%. This means even if your home's market value jumps 10% in a year, your assessed value (for tax purposes) can only rise 2.7%. The cap applies year-after-homestead-granted and transfers to new homestead properties via Portability. This is HUGE for long-term homeowners, can save tens of thousands over time.

What's the disabled veteran property tax exemption?

Florida offers significant exemptions for disabled veterans: (1) Any service-connected disability (10%+) = additional $5,000 off assessed value. (2) 100% Permanent & Total service-connected disability = FULLY EXEMPT from property taxes on your homestead. (3) 65+ combat-disabled vets on homestead get a discount equal to their disability percentage.

What are 'millage rates'?

Millage is the tax rate per $1,000 of taxable value. Total millage = school mills + county mills + city mills + special district mills. Duval's combined rate is approximately 18.5 mills, meaning $18.50 per $1,000 of taxable value. Rates vary by county and are set annually.

Why are taxes different in Clay vs. Duval vs. St. Johns?

Each county sets its own millage rates. St. Johns County is typically lowest (stronger tax base per capita). Duval is highest (larger urban infrastructure). Clay and Nassau fall in between. Rates also vary by special district, a home in a Community Development District (CDD) pays extra.

Does this include CDD fees?

No. Community Development District (CDD) fees are separate from property taxes and vary by community, often $1,000-$3,500/year in newer Jacksonville-area neighborhoods. Ask about CDDs before buying in Nocatee, E-Town, Durbin Crossing, and similar communities.

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