Orlando property tax calculator

Orlando’s 2026 property tax rate, levy by levy

A home inside the City of Orlando is taxed by six bodies at once, and the rate on the bill is their sum: 17.9818 mills for 2026 on most of the city, which is $18 for every $1,000 of taxable value, or 1.798% of it. The figure for 2025 was 18.0878 mills. None of these is an average: they are the rates the Orange County Property Appraiser lists for the city's own tax-roll codes, and every code in the table below adds up to the Appraiser's printed total to the fourth decimal.

The City of Orlando levies 6.6500 mills — about 37% of the total. The two school levies take 6.3430, Orange County 4.4347, the library system 0.3748 and the water management district 0.1793. So "Orlando's property tax rate" is really Orange County's rate plus the city's, and the city's share is the part that changes if you cross the city line.

Only one line moves between 2025 and 2026: the school levy the state sets, the required local effort, falls from 3.2010 to 3.0950 mills. Everything the county, the city, the library and the water district levy is proposed at the same rate as last year. On a homestead at Orlando's median value that is a cut of $39 a year — before any change in the home's assessed value, which is the part that usually moves more.

What an Orlando home pays at six values

The table puts the rate to work on six homes, first as a homestead — a home that is its owner's permanent residence and has the exemption — and then without it, as a rental or a second home would be taxed. It assumes the assessed value equals the market value, which is exactly the situation of anyone who has just bought: the first year after a sale, Florida assesses at full just value.

At the city's median home value of $394,100 (Census, 2020–2024), a homestead pays $6,330 in 2026 — 1.61% of its value — and the same home without the exemption pays $7,087, 1.80%. The effective rate never reaches the 1.80% of the millage for a homestead, because the exemption takes a fixed slice off the top, and that slice matters most for cheaper homes: at $200,000 the homestead pays 1.42%, at $1,000,000 it pays 1.72%.

To read the table for your own home, take the market value and the assessed value from your TRIM notice (the Notice of Proposed Property Taxes mailed in August) and enter both in the calculator above. The assessed value is the one that matters, and for anyone who has owned a homestead for more than a year it is usually well below the market value.

The homestead exemption is worth $757 at the median — less than its face value

Florida's homestead exemption comes in two parts, and they do not reach the same taxes. The first $25,000 comes off the assessed value for every levy on the bill. The second comes off only the value above $50,000, and only for levies other than school district levies (section 196.031, Florida Statutes). Since 2025 that second part is indexed to inflation: $25,722 for 2025 and $26,411 for 2026, according to the Department of Revenue's published adjustment. The most the exemption can remove is therefore $51,411 of value — but not from every tax.

On a median Orlando home the first part saves $450 a year, because it applies at the full 17.9818 mills. The second saves $307, because it applies only to the 11.6388 mills that are not school taxes. Together: $757 a year, against the $924 you would get by multiplying the headline $51,411 by the full rate. The school levies still see $369,100 of taxable value; everything else sees $342,689.

The exemption is only the smaller half of what a homestead is worth. The larger half is Save Our Homes, the cap on how fast the assessed value can rise, and it only applies to a home that has the exemption. Losing the exemption — renting the home out, or moving out and keeping it — takes both away at once.

Why two identical houses on the same street pay different bills

Save Our Homes limits the yearly increase in a homestead's assessed value to 3% or the change in the Consumer Price Index, whichever is lower. The Department of Revenue sets the figure each January: 2.7% for 2026, 2.9% for 2025, 3% in each of the three years before. Market values in Orlando did not follow that path, so the longer someone has owned their home, the further its assessed value sits below what it would sell for.

Take a house assessed at $250,000 in 2016 that would now sell for the city's median $394,100. Applying the Department's cap for each year since, its 2026 assessed value is $318,110, and its owner pays $4,963 — against $6,330 for whoever buys the identical house next door this year. Same street, same house, $1,366 a year apart.

This is also why the Census puts the median property tax paid in Orlando at $3,213 on a median home value of $394,100 — an effective 0.82%, less than half the millage rate. The median owner has held the home for years, and the median bill reflects the cap, not today's market. A buyer who budgets from that figure, or from the seller's last bill, will be short.

The protection does not travel with the house: the year after a sale, the new owner is assessed at full market value. It does travel with the owner, in part. Florida's portability lets someone who sells one homestead carry the accumulated difference to the next, which the Property Appraiser applies when the new homestead is approved.

Rentals and second homes: the 10% cap, and schools on full value

A home that is not its owner's homestead — a rental, a vacation home, a house owned through a company — gets no exemption, and a different cap. Under section 193.1554 its assessed value for levies other than school district levies may not rise more than 10% a year. School levies are not capped at all: they are charged on the full market value every year.

So an Orlando rental pays two taxable values on one bill. On a $394,100 rental whose capped value has fallen behind the market after two years of rises — a non-school assessed value of $325,702 in the example above — the school taxes still run on $394,100 and the bill is $6,291.

The cap resets, like Save Our Homes, when the property changes hands: the year after a sale it is assessed at just value again for every levy. For an investor, the seller's bill is a guide to nothing.

Where in Orlando you are changes the rate by up to 1.1966 mills

The Property Appraiser splits the city into twenty tax-roll codes, and they fall into eight combinations of levies. Most of Orlando pays the 17.9818 above. The rest adds or swaps one or more special districts, and every one of them shows on the bill as its own line.

South Florida water district, including Lake Nona (22, 25, 26, 27, 36, 95): 18.0326 mills. The same combination with the South Florida Water Management District instead of the St. Johns River one. Code 22 also carries the Lake Nona district, levied at zero.

Downtown — DTI district (07, 77): 18.9818 mills. The standard combination plus 1 mill for the downtown district the Property Appraiser lists as DTI.

Downtown South Neighborhood Improvement District (13): 18.9818 mills. The standard combination plus 1 mill for the Downtown South Neighborhood Improvement District.

International Drive — transit district (88, 89): 18.2660 mills. South Florida water district plus the International Drive master transit levy.

North International Drive (94): 18.4261 mills. South Florida water district, the I-Drive master transit levy and the North I-Drive improvement levy.

International Drive — transit and bus districts (90, 93): 19.0183 mills. South Florida water district plus the I-Drive master transit and bus service levies.

International Drive — all three districts (91, 92): 19.1784 mills. The highest combination in the city: South Florida water district and all three International Drive levies.

The most expensive combination, international drive — all three districts, costs $410 a year more than the standard one on a median homestead. The water district difference, by contrast, is 0.0508 mills — about $17 a year on the same home.

Orlando against unincorporated Orange County: 2.0020 mills

Just outside the city line, unincorporated Orange County replaces the City of Orlando's 6.6500 mills with 4.6480 mills for the county's unincorporated taxing district and fire and emergency medical services. Its lowest combination totals 15.9798 mills in 2026, so living inside Orlando costs 2.0020 mills more — about $686 a year on a median homestead.

That difference is the price of city services the county provides differently outside it — Orlando runs its own police and fire departments — so it is a comparison of two service packages rather than a pure surcharge. Unincorporated areas also range up to 19.3621 mills where special districts pile up, higher than most of the city.

Orlando is the 3rd most expensive city in Orange County to own a home in

Every city in the county shares the same county, school, library and water levies, so the ranking is decided almost entirely by the city's own millage. Orlando's 6.6500 is among the highest; only Oakland and Eatonville levy more. Winter Park, with a city levy of 4.2860, has the lowest combination of any city in the county.

On the same median-value homestead the gap between Orlando and Winter Park is $939 a year or more, depending on Winter Park's code. Whether that buys anything depends on which services you use — the comparison says what the tax is, not what it is worth.

What else is on the bill, and what is not

The Orange County tax bill carries one more city charge that has nothing to do with value: the stormwater utility fee, a non-ad valorem assessment the City of Orlando bills annually on the property tax bill. It is charged per square foot of impervious surface — roofs, driveways, parking — and is rising in steps under a four-year plan: $0.12 per square foot for fiscal 2027, the year the November 2026 bill falls in.

For a typical single-family lot that means $242.76 a year at 2,000 square feet of hard surface and $303.45 at 4,000 or more, on top of the ad valorem taxes above. Garbage is not on the tax bill: the city's solid waste service is billed monthly through OUC, at $23.45 a month for a single-family home in fiscal 2026 and $26.73 in fiscal 2027.

Paying: the November discount is worth four percent

The Orange County Tax Collector mails bills by 1 November and the full amount is due by 31 March. Paying early earns a discount of 4% in November, 3% in December, 2% in January and 1% in February — $253 on a median homestead for paying in the first month.

Before that bill comes the TRIM notice in August, which shows each levy's proposed rate and the dates of each body's public hearing. It is the one moment in the year when the rate, and not just the value, can be argued with.

Proposed, adopted, billed: where the 2026 rates stand

Florida sets property tax in a fixed order. The Property Appraiser certifies values in the summer and mails TRIM notices in August with every body's proposed millage. Each body then adopts its final rate at public hearings in September. The Property Appraiser publishes the final rates in October, and bills go out in November.

This page uses the 2026 proposed rates printed on 10 August 2026, and says so on every figure. The 2025 final rates are alongside for comparison. When the Property Appraiser publishes the 2026 final rates they replace the proposed ones here, and the change log records any difference.

What this calculator leaves out

Exemptions other than the homestead: the additional exemptions for owners aged 65 and over that Florida lets each county and city choose to grant, the widow, widower and disability exemptions, and the exemptions for veterans. Each depends on an application, and some on income. The site's pages on senior property tax exemptions and on the disabled veteran exemption cover the Florida rules.

Portability amounts, which depend on the home you sold; agricultural and other classified uses; new construction partway through a year; tangible personal property for businesses; and non-ad valorem charges other than the city's stormwater fee, such as the special assessments some neighbourhoods and community development districts carry.

Where every figure comes from

Each figure was read in the document that sets it, on the date shown:

Orange County Property Appraiser — 2026 Proposed Millage Rates, and Detailed View (printed 10 August 2026) — read 2026-09-29. https://ocpaimages.ocpafl.org/api/Content/GetContentDynamicFile?contentFileID=417455

Orange County Property Appraiser — 2025 Final Millage Rates, and Detailed View (printed 16 October 2025) — read 2026-09-29. https://ocpaimages.ocpafl.org/api/Content/GetContentDynamicFile?contentFileID=416847

Florida Department of Revenue — Additional Homestead Exemption Adjustment (revised January 2026) — read 2026-09-29. https://floridarevenue.com/property/Documents/cpi_homestead_exemption.pdf

Florida Department of Revenue — Save Our Homes (revised January 2026) — read 2026-09-29. https://floridarevenue.com/property/Documents/SaveOurHomes.pdf

Florida Department of Revenue — Chapters Relating to Ad Valorem Taxation (ss. 193.1554 and 196.031, F.S.) — read 2026-09-29. https://floridarevenue.com/property/Documents/statutes.pdf

City of Orlando — Stormwater Utility Fee (FY2025–FY2028 rates) — read 2026-09-29. https://www.orlando.gov/Our-Government/Departments-Offices/Public-Works/Streets-and-Stormwater-Division/Stormwater-Utility-Fee

City of Orlando — Solid Waste Rate Adjustment (billed monthly through OUC) — read 2026-09-29. https://www.orlando.gov/Our-Government/Departments-Offices/Public-Works/Solid-Waste/Solid-Waste-Rate-Adjustment

Orange County Tax Collector — About Property Tax (bills, due date and early-payment discounts) — read 2026-09-29. https://www.octaxcol.com/taxes/about-property-tax/

U.S. Census Bureau — American Community Survey 5-year 2020–2024, tables B25077 and B25103, Orlando city — read 2026-09-29. https://data.census.gov/table/ACSDT5Y2024.B25077?g=160XX00US1253000

Questions

What is the property tax rate in Orlando, FL?

17.9818 mills for 2026 on most of the city (proposed rates; 18.0878 in 2025) — 1.798% of taxable value. Downtown and International Drive districts add up to 1.1966 mills more.

How much is property tax on a $300,000 house in Orlando?

$4,638 a year as a homestead with assessed value equal to market value, or $5,395 without the exemption, at the 2026 proposed rates. The stormwater fee is added on the same bill.

How much does the homestead exemption save in Orlando?

$757 a year on a median-value home. The first $25,000 comes off every levy; the second, $26,411 for 2026, comes off only non-school levies, so the exemption is worth less than its $51,411 face value times the full rate.

Why is my Orlando property tax lower than 1.8% of my home’s value?

Because the rate applies to the assessed value after exemptions, not to the market value. A homestead's assessed value can rise only by the Save Our Homes cap each year — 2.7% for 2026 — so a long-held home is taxed well below its market value.

Will my property taxes go up if I buy a house in Orlando?

Almost certainly above the seller's last bill. The year after a sale the home is assessed at full market value, and the seller's Save Our Homes protection does not transfer with the house. Budget from the price, using the calculator above.

Is garbage included in Orlando property taxes?

No. The City of Orlando bills solid waste monthly through OUC ($26.73 a month for a single-family home in fiscal 2027). The stormwater fee, by contrast, is on the property tax bill.

Is Orlando more expensive than unincorporated Orange County?

Yes, by about 2.0020 mills at the lowest combinations — the city levy replaces the county's unincorporated and fire levies.

When are Orlando property taxes due?

Bills are mailed by 1 November and due by 31 March, with discounts of 4%, 3%, 2% and 1% for paying in November, December, January and February.