Property tax calculatorfor Northeast Florida homes.
A candid planning number for Duval, St. Johns and Clay County, before and after homestead and through the Amendment 3 changes in 2027 and 2028. Everything updates as you type.
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Sources reviewed November 7, 2026
- Assessed value used
- $382,500
- School exemption
- - $25,000
- School taxable value
- $357,500
- School tax
- $2,267.62
- First $25,000 exemption
- - $25,000
- Additional exemption up to $26,411
- - $26,411
- Non-school taxable value
- $331,089
- Non-school tax
- $3,773.82
- Non-ad valorem
- $0.00
- Estimated annual tax
- $6,041.44
- Monthly
- $503.45
Jacksonville / USD1, Duval County: 2025 rates, 17.7412 total mills, held constant.
An estimate for planning only, not a tax bill. Actual taxes depend on the property appraiser's assessment, exemptions approved and final millage. Confirm with the county property appraiser.
Three years, side by side
Same value and same published rates, so the only thing moving is the exemption.
Assumptions in this estimate
These update with your inputs. Duval County rates come from its 2025 source.
- 2025 final adopted chart is the latest complete final county chart verified. Rates are held constant for planning, not represented as final 2026, 2027 or 2028 rates.
- The same assessed value and published millage are held constant across years to isolate exemption changes. Future final rates, appreciation, portability, other exemptions and parcel-specific levies are not modeled.
- 85% is an adjustable planning starting point, not a uniform legal assessment ratio. Costs of sale are one statutory factor in just value. The county property appraiser determines the actual value.
- Homestead estimates assume you own the home and make it your permanent residence on January 1 of the selected tax year, and that the county property appraiser approves the exemption.
Why the seller's tax bill is not yours.
After a change of ownership, property is generally assessed at just value on January 1 of the following year. The seller's Save Our Homes benefit does not automatically transfer to the buyer. Eligible Florida homeowners may have portability benefits. Confirm your exemptions and assessment with the county property appraiser.
That is why this calculator starts from your price, not last year's bill. The seller's capped value, built up under Save Our Homes, resets when the home changes hands.
Why property taxes jump after buyingQuestions buyers ask
How are property taxes calculated in Florida?
Subtract approved exemptions from assessed value, then multiply each taxable value by its applicable millage divided by 1,000. School and non-school exemptions differ. Non-ad valorem assessments such as CDD, solid waste and stormwater are added separately. A purchase-price percentage is a planning assumption, not an assessment guaranteed by law.
Why do taxes go up after I buy?
After a change of ownership, property is generally assessed at just value on January 1 of the following year. The seller's Save Our Homes benefit does not automatically transfer to the buyer. Eligible Florida homeowners may have portability benefits. Confirm your exemptions and assessment with the county property appraiser.
What does Amendment 3 change?
Effective January 1, 2027, qualifying existing Florida residents receive a non-school homestead exemption up to $150,000 in 2027 and $250,000 in 2028, with inflation adjustments starting in 2029. The school exemption remains up to $25,000. The non-homestead assessment-growth cap for non-school levies becomes 5%; this is not a 5% tax discount.
Do new Florida residents get the larger exemption?
People who had not maintained a Florida permanent residence by December 31, 2026 receive up to $50,000 of non-school exemption in 2027, inflation-adjusted starting in 2028, and the larger exemption beginning in their fifth year of exemption, subject to implementing law and constitutional limits. The school exemption remains up to $25,000. The 2028 CPI adjustment is not yet available, so this calculator holds the new-resident baseline at $50,000 and labels it as provisional.
Sources & dates
Official rate charts and statutes, reviewed November 7, 2026. Millage for Duval County is from 2025, St. Johns County is from 2026, Clay County is from 2025.
- Duval County Property Appraiser: 2025 final millage chart2025 final adopted rates; reviewed November 7, 2026
- St. Johns County Tax Collector: 2026 millage sheet, linked by the Property Appraiser2026 billing rates; reviewed November 7, 2026
- Clay County Tax Collector: 2025 tax-roll millages2025 final tax-roll rates; reviewed November 7, 2026
- Clay County Property Appraiser: official tax estimator and district totalsCross-check of district totals; reviewed November 7, 2026
- Florida Department of Revenue: additional homestead exemption adjustmentRevised January 2026: additional exemption $26,411
- Florida Statutes 196.031: current homestead exemptions2026 rules, reviewed November 7, 2026
- Florida Department of State: Amendment 3 full constitutional textNovember 3, 2026 ballot; effective January 1, 2027
- Florida Division of Elections: Amendment 3 resultsUnofficial November 3, 2026 returns: 61.98% yes; reviewed November 7, 2026
- Florida Statutes 193.011: just value and costs of sale2026 statute, reviewed November 7, 2026
Rates for Duval County: 2025 final adopted rates; reviewed November 7, 2026.
Want an exact number for a specific home?
Send the address or listing. We will check the parcel's district, any CDD and the exemptions on record, and walk you through what the first full-year bill could look like.