Learn how Florida property taxes and escrow work
Plain-language answers for people buying or owning a home in Florida. Each page starts with a short answer, then shows what it means for a buyer and where the rule comes from.
Property taxes
Who sets, assesses and collects them; how values and exemptions work; and what changes after you buy.
- Who sets, assesses and collects Florida property taxes?
- Why are just value, assessed value and taxable value different?
- How do homestead exemptions and Save Our Homes work?
- Second homes and rentals: how are they taxed?
- Why does my tax bill include a special district?
- What is a CDD, and how can it affect my housing costs?
Escrow
Why a mortgage payment can change when taxes or insurance change.
Dates and deadlines
The yearly steps from January 1 to the tax bill, and what each one means.
Words you may see
Not sure what a term on your tax bill means?
Open the glossaryTry the estimator
Planning a purchase? The estimate covers value-based property tax. It leaves out separate assessments and is not an escrow payment quote. Estimate buyer property taxes
Reflects Florida law as of October 11, 2026. Educational information only; not individualized tax, legal or financial advice.