On the November 2026 Ballot

Florida's Property Tax Amendment.
What Would You Actually Save?

The amendment headed to voters this November would raise the homestead exemption on non-school taxes to $150,000 in 2027 and $250,000 in 2028. This calculator models the amendment as it was actually passed — both phase-in years, using your county's real non-school millage from Florida Department of Revenue data.

2027 vs. 2028 Phase-In Non-School Taxes Only All 67 Florida Counties
Savings Estimator

Estimate Your Savings If the Amendment Passes

Enter your homesteaded property's assessed value — you'll find it on your county property appraiser's website or your TRIM notice. We handle the exemption math for both phase-in years.

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Find your assessed value on your county property appraiser's website or TRIM notice. We'll apply the current $50,000 homestead exemption for you.

Own Commercial or Non-Homestead Property?

The Amendment Cuts the Non-Homestead Cap From 10% to 5%

The same amendment would lower the annual assessment-increase cap on non-homestead property — commercial buildings, rentals, investment property, second homes — from 10% to 5% per year. Here's the part most owners miss: the cap compounds from your current assessed value. If your property is over-assessed today, the cap locks that error in and protects it, year after year. The time to challenge a wrong assessment is before the cap starts working from the wrong number.

Commercial Assessment Review →
Methodology

How This Calculator Works — and How It Differs From the State's Tool

Both tools produce estimates. We built ours to show the phase-in and the math.

The state's calculator

The tool at saveourhomesfl.com launched before the Legislature finalized the amendment and models a single up-to-$250,000 scenario against your 2025 bill, returned from an address lookup without showing its assumptions. The site itself describes its results as illustrative.

This calculator

Models the amendment as actually passed: the $150,000 exemption in 2027 and $250,000 in 2028, applied to non-school taxes only — the only taxes the amendment affects. It shows its inputs and math, uses Florida DOR certified millage data, and lets you enter your exact millage from your TRIM notice for an address-specific estimate.

Common Questions

Frequently Asked Questions

If approved by 60% of voters in November 2026, it raises the homestead exemption on non-school property taxes to $150,000 starting in 2027 and $250,000 starting in 2028, with inflation indexing beginning in 2029. It also lowers the annual assessment-increase cap on non-homestead property (commercial, rentals, second homes) from 10% to 5%, and directs how local governments prioritize remaining property tax revenue. School district taxes are not affected.
It depends on your assessed value and your local non-school millage. Roughly: your savings equal your non-school millage applied to the additional exempted value — up to $100,000 more in 2027 and $200,000 more in 2028 compared to today. Use the calculator above for your county's numbers. Many homes with lower assessed values would owe no non-school property tax at all.
Only if it passes. The amendment requires at least 60% voter approval in the November 2026 general election. If approved, the $150,000 exemption applies for the 2027 tax year and the $250,000 exemption for 2028. There are also residency timing rules affecting newer Florida residents — another reason to verify your specific situation rather than rely on any calculator alone.
No. The expanded exemption applies only to non-school levies — county, municipal, and special district taxes. School board taxes are calculated the same way they are today, which is why this calculator separates them out. Tools that compare against your total bill can overstate the impact.
The Save Our Homes 3% assessment cap and portability remain in place, and they still matter — especially in a divorce, where the accumulated SOH benefit can be a six-figure marital asset that needs to be identified and valued before a settlement is finalized. The amendment changes the exemption math, which changes the dollar value of these decisions. We analyze exactly this in our portability reviews.
Then every estimate built on it is wrong too — your current bill, your projected savings, all of it. An exemption applied to an inflated assessed value still produces an inflated tax bill. We review assessed values against actual market evidence, and the initial review is free. If your assessment looks high, there's a limited window each year after TRIM notices mail in August to challenge it with your county's Value Adjustment Board.
The expanded homestead exemption does not — it's for primary residences only. But the amendment does cut the annual assessment-increase cap on non-homestead property, including commercial, from 10% to 5%. Because that cap compounds from your current assessed value, an over-assessed commercial property locks in the error. Challenging an inflated assessment before the cap takes effect means every future capped year works from a lower base.