The rate in context
On a $400,000 home, 0.78% means roughly $3,120 per year in property tax, escrowed monthly, so it lands directly in your payment and your debt-to-income ratio.
Exemptions and notes
No state income tax; homestead exemption up to $50,000 off assessed value for primary residences (Save Our Homes cap 3%/yr).
Sources: Tax Foundation 2026 (2024 ACS); FL Dept. of Revenue. County-level rates vary; your county page has local detail.
Counties in Florida
Loan limits by county · Florida overview
FAQ
What is the average property tax rate in Florida?
The average effective property tax rate in Florida is about 0.78%, per Tax Foundation 2026 (2024 ACS); FL Dept. of Revenue. Individual counties vary above and below that average.
How do Florida property taxes affect my mortgage?
Taxes are escrowed into your monthly payment, so a higher rate directly reduces how much house you qualify for. No state income tax; homestead exemption up to $50,000 off assessed value for primary residences (Save Our Homes cap 3%/yr).