---
title: "Florida Homestead Exemption Calculator 2026: Amendment 3 Savings ($150k in 2027, $250k in 2028)"
description: "Florida voters passed Amendment 3 on 3 November 2026: the homestead exemption from non-school taxes rises from $50,000 to $150,000 in 2027 and $250,000 in 2028. Free calculator shows your tax now and after, plus how to apply by 1 March."
url: https://propertytaxcalculator.co/florida-homestead-exemption
---

Free calculator · updated 6 November 2026 after the election

# Florida homestead exemption calculator

Amendment 3 passed with about 62% of the vote on 3 November 2026. From 2027 the homestead exemption from county, city and other non-school taxes jumps to $150,000, then $250,000 in 2028. School taxes keep the $25,000 exemption. See what it means for your bill.

Assessed value of your home ($, from your TRIM notice or property appraiser)

School tax rate (mills, i.e. $ per $1,000)

All other tax rates added together (county, city, special districts, mills)

Your situation

## How the exemption works now (2026)

- The first $25,000 of assessed value is exempt from all property taxes, including school taxes.
- A second $25,000 exempts value between $50,000 and $75,000 from non-school taxes. Since 2025 this second amount is adjusted for inflation, so your appraiser's figure may be slightly higher.
- **Save Our Homes** caps how much your assessed value can rise each year at 3% or inflation, whichever is lower, once you have the homestead exemption.
- Seniors, veterans, disabled residents and others can qualify for extra exemptions set by the county or city.

## What Amendment 3 changes

| Tax year | Non-school taxes | School taxes |
| --- | --- | --- |
| 2026 (bill now) | $25,000 + up to ~$25,000 more | $25,000 |
| 2027 | $150,000 | $25,000 |
| 2028 | $250,000 | $25,000 |
| 2029 onward | $250,000 adjusted for inflation; the Legislature must set a schedule to end non-school homestead taxes | $25,000 |

- It takes effect 1 January 2027. The Legislature is expected to pass the details in its 2027 session, so amounts on your bill may differ from this estimate.
- People who become Florida residents after 1 January 2027 get the existing exemption first and the larger one only from their fifth year of exemption (counties and cities can shorten this by a two-thirds vote).
- The yearly cap on assessment increases for non-homestead property (rentals, second homes, commercial) drops from 10% to 5% for non-school taxes from 2027.
- Local governments can only spend property tax revenue on listed purposes, such as public safety, schools, infrastructure and debt.

## How to apply for the Florida homestead exemption

- You must own the home and make it your permanent residence on **1 January** of the tax year.
- Apply with your county property appraiser by **1 March**. Most counties take applications online.
- Have ready: your Florida driver's licence or ID with the property address, vehicle registration, voter registration if you have one, and Social Security numbers for owners and spouses.
- Once granted, it renews automatically while you live there. Moving? You can carry up to $500,000 of your Save Our Homes benefit to a new Florida home (portability) if you apply within three years.

Missed 1 March? Many counties accept late applications until about 25 days after the TRIM notice is mailed in August, if you have a good reason. Ask your appraiser.

Paying your 2026 bill? Pay in November for 4% off: [Florida early payment discount calculator](https://propertytaxcalculator.co/florida-property-tax-discount). Think your assessed value is too high? [Run the free over-assessment check](https://propertytaxcalculator.co/#check).

Sources: Florida Chamber of Commerce Amendment 3 page (ballot summary and timeline, updated 4 November 2026); Spectrum Bay News 9 and CBS12 election results (4 November 2026); Florida Department of Revenue homestead exemption guidance. Estimates only: your property appraiser decides exemptions, and the 2027 implementing law may change details.