Florida Amendment 3 Calculator: Homestead Exemption Savings (2027–2028)
Florida voters approved Amendment 3 on November 3, 2026. The homestead exemption for non-school property taxes jumps to $150,000 in 2027 and $250,000 in 2028. Enter your assessed value and the millage rates from your TRIM notice to see what it will save you. Everything runs in your browser and nothing is saved.
How we calculate
- 2026 (current law): school taxes exempt the first $25,000; non-school taxes exempt the first $25,000 plus up to $26,411 of assessed value above $50,000 (Florida DOR 2026 inflation adjustment).
- 2027 under Amendment 3: school $25,000; non-school up to $150,000. 2028: non-school up to $250,000. New residents after 2026: non-school $50,000 until their fifth year of exemption.
- Tax saved = exempt value × millage ÷ 1,000, for school and non-school levies separately.
We hold your assessed value constant so the years compare cleanly; in reality the Save Our Homes cap lets it rise a little each year. Non-ad valorem assessments (like solid waste fees) are not affected. Your property appraiser and tax collector have the final word.
Homestead savings in every Florida county
Using each county's 2025 average millage from the Florida Department of Revenue, the standard homestead exemption is worth the most in St. Lucie County (about $942 a year) and the least in Monroe County (about $346); the middle county saves about $645. Once Amendment 3 is fully in place in 2028, the most a homestead can save ranges from about $1,329 (Walton) to $3,973 (St. Lucie). Pick your county above to load its rates into the calculator.
| County | Avg. mills (school) | Saves now (2026) | Saves in 2028 |
|---|---|---|---|
| Alachua | 20.89 (6.25) | $909 | $3,816 |
| Baker | 14.61 (5.33) | $611 | $2,455 |
| Bay | 12.70 (5.34) | $512 | $1,973 |
| Bradford | 16.57 (5.37) | $710 | $2,936 |
| Brevard | 13.77 (5.31) | $568 | $2,247 |
| Broward | 19.86 (6.48) | $850 | $3,507 |
| Calhoun | 15.33 (5.22) | $650 | $2,658 |
| Charlotte | 15.68 (6.50) | $634 | $2,457 |
| Citrus | 15.48 (5.35) | $654 | $2,665 |
| Clay | 15.35 (6.27) | $623 | $2,425 |
| Collier | 9.82 (4.25) | $393 | $1,499 |
| Columbia | 14.68 (5.35) | $614 | $2,468 |
| Miami-Dade | 18.49 (6.63) | $775 | $3,130 |
| DeSoto | 15.93 (5.28) | $680 | $2,795 |
| Dixie | 19.87 (5.41) | $879 | $3,751 |
| Duval | 17.89 (6.34) | $752 | $3,046 |
| Escambia | 14.13 (5.36) | $585 | $2,327 |
| Flagler | 17.16 (5.35) | $741 | $3,085 |
| Franklin | 10.60 (4.19) | $434 | $1,707 |
| Gadsden | 16.14 (5.25) | $691 | $2,855 |
| Gilchrist | 15.53 (5.40) | $656 | $2,668 |
| Glades | 18.37 (5.33) | $804 | $3,394 |
| Gulf | 12.22 (5.32) | $488 | $1,857 |
| Hamilton | 15.21 (5.53) | $636 | $2,558 |
| Hardee | 14.12 (5.25) | $587 | $2,349 |
| Hendry | 17.17 (5.35) | $742 | $3,090 |
| Hernando | 14.57 (6.26) | $584 | $2,233 |
| Highlands | 14.52 (5.35) | $605 | $2,426 |
| Hillsborough | 18.86 (6.34) | $802 | $3,287 |
| Holmes | 15.41 (5.13) | $657 | $2,698 |
| Indian River | 14.17 (5.75) | $576 | $2,247 |
| Jackson | 14.26 (5.37) | $592 | $2,358 |
| Jefferson | 13.87 (5.30) | $573 | $2,275 |
| Lafayette | 16.22 (5.39) | $692 | $2,844 |
| Lake | 15.63 (6.08) | $643 | $2,539 |
| Lee | 14.00 (5.32) | $579 | $2,302 |
| Leon | 17.80 (5.37) | $773 | $3,243 |
| Levy | 16.04 (5.33) | $684 | $2,810 |
| Liberty | 15.17 (5.38) | $638 | $2,583 |
| Madison | 15.17 (5.33) | $639 | $2,592 |
| Manatee | 14.55 (6.30) | $582 | $2,220 |
| Marion | 15.88 (6.32) | $650 | $2,549 |
| Martin | 16.06 (5.18) | $689 | $2,850 |
| Monroe | 8.24 (2.95) | $346 | $1,396 |
| Nassau | 16.06 (6.19) | $662 | $2,621 |
| Okaloosa | 12.28 (5.38) | $489 | $1,860 |
| Okeechobee | 14.44 (5.38) | $600 | $2,398 |
| Orange | 17.41 (6.45) | $725 | $2,901 |
| Osceola | 14.97 (5.31) | $630 | $2,550 |
| Palm Beach | 17.49 (6.32) | $732 | $2,951 |
| Pasco | 17.22 (6.27) | $719 | $2,893 |
| Pinellas | 18.49 (6.29) | $785 | $3,208 |
| Polk | 15.44 (5.29) | $654 | $2,669 |
| Putnam | 17.71 (6.87) | $729 | $2,884 |
| St. Johns | 13.97 (6.27) | $553 | $2,082 |
| St. Lucie | 21.56 (6.30) | $942 | $3,973 |
| Santa Rosa | 11.72 (5.41) | $459 | $1,711 |
| Sarasota | 12.75 (6.09) | $495 | $1,817 |
| Seminole | 15.35 (5.25) | $650 | $2,656 |
| Sumter | 11.21 (4.91) | $446 | $1,696 |
| Suwannee | 15.66 (5.42) | $662 | $2,697 |
| Taylor | 15.43 (5.64) | $645 | $2,590 |
| Union | 16.72 (5.45) | $715 | $2,952 |
| Volusia | 17.42 (5.28) | $756 | $3,166 |
| Wakulla | 13.44 (5.43) | $548 | $2,139 |
| Walton | 9.15 (4.26) | $358 | $1,329 |
| Washington | 14.96 (5.33) | $629 | $2,542 |
"Saves now" is the full 2026 exemption ($25,000 off all taxes plus $26,411 off non-school taxes), for homes assessed at $76,411 or more. "Saves in 2028" is the Amendment 3 maximum ($25,000 off school taxes, $250,000 off non-school taxes), for homes assessed at $250,000 or more, at the same rates. Millage is the Department of Revenue's county average for the 2025 tax roll (county-wide rates plus city and special-district rates averaged across the county), so your own rate may be higher or lower; 2026 rates appear on your August TRIM notice. Source: Florida DOR, Millage and Taxes Levied Report, 2025 (XLSX) ↗.
Who benefits most
- Homes with assessed value well above $51,411 get the most, since today's non-school exemption tops out there.
- The full 2028 benefit needs an assessed value of $250,000 or more; below that, all of your assessed value is exempt from non-school taxes.
- Renters get no direct relief, and non-homestead owners instead get a 5% (down from 10%) cap on yearly assessment increases for non-school taxes.
How to make sure you get it
- Already have homestead? Check your TRIM notice or your county property appraiser's site to confirm it's on your account.
- Don't have it yet? File with your county property appraiser by March 1 for the year (you must own and live in the home as your permanent residence on January 1).
- Filing is free. Ignore mailers that charge a fee to file for you.
Largest Florida counties: Miami-Dade · Broward · Palm Beach · Hillsborough · Orange · all Florida relief
Sources
- Florida Department of Revenue: Millage and Taxes Levied Report, 2025 (county average millage) ↗
- Florida Division of Elections: November 3, 2026 General Election constitutional amendment results (unofficial) ↗
- Florida Division of Elections: No. 3 Constitutional Amendment, ballot title, summary and full text ↗
- Florida Department of Revenue: Additional Homestead Exemption Adjustment (2026: $26,411) ↗
- Florida Department of Revenue: Property tax exemptions and Save Our Homes ↗
Related: Florida homestead exemption · Save Our Homes cap calculator · savings estimator for any state · SALT deduction calculator
Educational estimate only, not tax or voting advice. Results depend on final certification of the November 3, 2026 vote and on laws the Legislature passes to carry it out.
What is Florida Amendment 3, and did it pass?
Yes. Voters approved the constitutional amendment titled "Increased Homestead Exemption; Lower Cap on Increases in Non-Homestead Property Assessments" on November 3, 2026, with 61.98% voting yes, according to the Florida Division of Elections' unofficial results (60% was needed). The homestead exemption for all non-school property taxes rises to $150,000 in 2027 and $250,000 in 2028, then adjusts for inflation. It also lowers the yearly assessment-increase cap on non-homestead property from 10% to 5%.
Does Amendment 3 change school property taxes?
No. School district taxes keep the existing $25,000 homestead exemption. The bigger exemption applies only to county, city and other non-school levies, so no homestead tax bill goes to zero.
When does Amendment 3 take effect?
January 1, 2027, so the first bigger exemption shows up on 2027 tax bills (mailed in November 2027). It needed at least 60% of the vote and got 61.98% (4,917,715 yes to 3,016,136 no) in the state's unofficial results; the state still has to certify the result.
What if I move to Florida after 2026?
People who were not Florida residents on December 31, 2026 get $25,000 off school taxes and $50,000 off non-school taxes when they qualify for homestead. The larger exemption starts with their fifth year of exemption, according to the ballot text.
What is the homestead exemption worth today?
For 2026, the first $25,000 of assessed value is exempt from all property taxes, and the additional exemption takes up to $26,411 off assessed value above $50,000 for non-school taxes (Florida Department of Revenue, adjusted for inflation each year).
Do I need to reapply now that it passed?
The ballot text does not say current homestead owners must reapply, and the Legislature is directed to set procedures. If you don't have homestead yet, file with your county property appraiser by March 1.
Is this calculator private?
Yes. It runs in your browser, and nothing you type is sent anywhere, and your answers are saved only on this device.
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