Enter your values below. Default numbers are only examples; for a real estimate, use the assessed value and millage rates from your own TRIM notice.
From your TRIM notice or property record.
Total of the school board rates. Example value.
Total of all other rates. Example value.
Inflation-adjusted; enter the current figure if known.
For example, $5,000 veteran disability exemption.
For example, a local senior exemption.
How the calculator works
The calculator follows the structure of the Florida homestead exemption:
- The first $25,000 of assessed value is exempt from all property taxes, including school taxes.
- Assessed value between $25,000 and $50,000 is fully taxed.
- The second homestead portion applies to assessed value between $50,000 and $75,000 (or slightly more, because it is now adjusted for inflation) and reduces non-school taxes only.
- Any other exemptions you enter are subtracted from the levies they apply to.
- Each taxable value is multiplied by its millage and divided by 1,000.
The result compares your estimated tax with and without exemptions, and shows the effect of paying in November for the 4% discount.
A note on senior exemptions
Local senior exemptions reduce only the taxes of the county or city that adopted them, not every non-school levy. Entering the full senior amount in the "non-school only" box will overstate the savings if only one of your non-school authorities adopted it. For a closer estimate, reduce the amount in proportion to the adopting authorities' share of your non-school millage. See the senior exemption guide.
Using your TRIM notice
Your TRIM notice has everything you need:
- Assessed value appears in the value section.
- Millage rates appear in the taxing authority table. School board levies are usually grouped together.
- Exemptions are listed with their amounts.
If your estimate is far from the taxes on your notice, check whether you left out a taxing authority, whether all your exemptions are applied, and whether you entered millage in mills (for example, 6.0) rather than as a percentage.
What the calculator doesn't cover
- Save Our Homes. The cap affects assessed value, which you enter directly. To see how much the cap saves, compare your market value with your assessed value, and read the Save Our Homes guide.
- Non-ad valorem assessments. Flat fees are not reduced by exemptions.
- Full exemptions. If you qualify for a total exemption, such as the one for veterans with a total and permanent service-connected disability, your ad valorem tax on the homestead is zero.
For a full explanation of the exemption itself, read the homestead exemption guide. To compare two tax rates, use the millage rate comparison tool. This calculator gives estimates only and is not affiliated with any government office.
Frequently asked questions
Why does the calculator separate school and non-school taxes?
The second portion of the Florida homestead exemption, which covers assessed value between $50,000 and $75,000, does not apply to school taxes. So a homestead has a higher taxable value for school levies than for other levies. Your TRIM notice shows both.
Where do I find my school and non-school millage?
Your TRIM notice lists each taxing authority and its proposed rate. Add the school board rates together for school millage, and add all the other rates together for non-school millage.
Why is the second homestead amount adjustable?
The second homestead exemption is now adjusted each year for inflation, so it can be slightly more than $25,000. Enter the current figure if you know it, or leave the default.
Does this include non-ad valorem assessments?
No. Flat charges such as solid waste, stormwater or CDD fees are not affected by exemptions and are not included in the estimate.