City-by-city data showing how market value, assessed value and Save Our Homes change the reach of the proposed homestead exemption.
Scroll down to choose a city and see how the exemption threshold reaches that community.
The proposed non-school exemption is measured against assessed value—not simply the home's current market value. Save Our Homes can create a large difference between those numbers, particularly for long-time owners. The NAL tier counts use postal or situs city names and are estimates of the local pattern, not certified incorporated-city totals.
Florida counties submit detailed property-record files commonly called Name-Address-Legal files. They contain parcel-level information such as location, ownership, exemptions, market value and assessed value. This page uses those files to group homesteaded properties into value ranges.
The property appraiser's market-value estimate before assessment limitations. This is closest to what citizens usually mean by “home value.”
Just value after assessment limitations such as Save Our Homes. This can be much lower for long-tenured homeowners.
Assessed value after applicable exemptions. Local millage rates are applied to this value for ad valorem taxation.
Select a municipality and compare what the parcel distribution looks like by market value and by non-school assessed value.
Select a city to update every chart and figure below.
Choose the proposed exemption stage.
Orange County
How many homestead parcels fall in each just-value tier
The value distribution most relevant to the proposed non-school exemption
A high percentage of homestead parcels below the threshold shows how broadly homeowners may be affected. It does not, by itself, show the city's revenue loss. Commercial property, rentals, second homes, tangible personal property and the remaining homestead base also matter.
Do not read the county property-record count as an exact city-limit count. County parcel files record a postal or situs city name. A parcel can carry a city mailing address while actually being in unincorporated county territory. This page therefore shows the FLC city-level reference count beside the postal-city property-record count. Where they differ substantially, use the tier percentages as directional evidence, not an exact count of properties paying that municipality's millage.
Each bar shows the percentage of NAL homestead parcel records whose non-school assessed value falls below the selected threshold. A longer bar means a larger share of the local homestead records could have all remaining eligible non-school taxable value exempted at that stage.
It compares the share of homestead parcel records below the selected assessed-value threshold. For example, a city shown at 80% means about 8 out of 10 NAL homestead records in that postal-city group have a non-school assessed value below the threshold.
It does not represent the percentage of all homes, the percentage of residents, the homeowner's exact tax savings, or the city's percentage of revenue loss.
Select either threshold to update the city comparison below.
County property records are grouped by postal or situs city. Because postal-city names do not always match incorporated boundaries, this ranking is best used to compare patterns—not as a certified count of parcels paying each city's municipal millage.
The Florida League of Cities reports different measures from the NAL parcel tiers. These figures help explain the city's overall revenue exposure rather than simply how many homeowners fall below a threshold.
Choose a city above to see the proportion of taxable value from homestead, non-homestead and tangible personal property.
The FLC model estimates the reduction in current-law taxable value if the full $250,000 exemption were applied.
—Modeled taxable value removedFLC reports the average share of value already protected by Save Our Homes and existing homestead exemptions.
—Average value not taxed due to SOH and homestead exemptionsThe city millage is only one part of a property owner's ad valorem tax rate. County, school, water-management, hospital, voter-approved debt and other district rates may also apply. The official property-appraiser tables below show why two properties with the same taxable value can face different combined rates.
Published city millage is the municipal rate shown by the county property appraiser. Where a city has a separately listed municipal debt rate, it is included in the city figure shown here. Published combined millage is the full ad valorem rate shown for that tax area when the county source provides a single total.
| Municipality | County | Published city millage | Published combined millage |
|---|---|---|---|
| Altamonte Springs | Seminole | 4.0000 | 17.5683 |
| Apopka | Orange | 4.4376 | 15.8754 |
| Casselberry | Seminole | 4.6125 | 18.1808 |
| Clermont | Lake | 4.5900 | Varies by tax district |
| Cocoa | Brevard | 6.9532 | Varies by millage code |
| Cocoa Beach | Brevard | 6.0000 | Varies by millage code |
| Daytona Beach | Volusia | 6.0695 | 18.0498–19.0498 |
| DeBary | Volusia | 3.6500 | 15.6948 |
| DeLand | Volusia | 6.1841 | 18.2289 |
| Deltona | Volusia | 6.7000 | 18.7448 |
| Haines City | Polk | 7.3395 | 19.4474–19.4944 |
| Kissimmee | Osceola | 4.6253 | 17.4114 |
| Leesburg | Lake | 3.4752 | Varies by tax district |
| Mount Dora | Lake | 6.3000 | Varies by tax district |
| Ocoee | Orange | 4.9500 | 16.3878–16.4386 |
| Orlando | Orange | 6.6500 | 18.0878–19.2844 |
| Oviedo | Seminole | 5.9750 | 16.7784 |
| Sanford | Seminole | 7.3250 | 18.1284 |
| Tavares | Lake | 6.6850 | Varies by tax district |
| Titusville | Brevard | 6.3000 | Varies by millage code |
| Winter Garden | Orange | 4.8565 | 16.2943 |
| Winter Park | Orange | 4.2985 | 15.3615 |
| Winter Springs | Seminole | 2.6200 | 16.1883 |
A municipality can contain more than one millage code or special taxing district. The city operating rate may remain the same while the combined countywide rate changes by location. A range is shown where the official county table lists multiple totals. “Varies by tax district” is used where the source does not provide one combined citywide total.
2025 final millage-rate publications from the Orange, Seminole, Lake, Volusia, Osceola, Brevard and Polk county property-appraiser or tax-collector offices. Rates are displayed as published and are for educational comparison only.
The number or share of homestead records whose assessed value falls below $150,000 or $250,000.
The dollar amount removed from the tax base in the FLC model. This is not the same as revenue loss.
Taxable value multiplied by the applicable millage rate, with further adjustments. This page does not calculate a final city budget loss.
Depends on the parcel's assessed value, current exemptions, residency timing, millage rates and implementing law.
Uses 2025 county Name-Address-Legal property-record files, identifies homestead parcels and groups them by just value and non-school assessed value. This answers: “How many parcel records fall below the exemption threshold?”
Provides city-by-city estimates of taxable-value composition, Save Our Homes protection and modeled taxable-value loss under a $250,000 exemption. This answers: “How exposed is the overall municipal tax base?”
The county property-record analysis uses the parcel's recorded city name, while FLC reports use official municipal datasets and methodology. A postal city can extend beyond incorporated boundaries, so NAL parcel counts may be higher than FLC municipal counts.
It does not calculate each homeowner's exact tax savings or a city's final budget reduction. Those require parcel-specific exemptions, millage rates, taxing-authority detail, implementation rules and official municipal boundaries.
