Understanding what Amendment 3 means for your property taxes

What Amendment 3 does

Amendment 3 raises the homestead exemptionA reduction in the taxable value of your permanent Florida home that lowers your property tax bill. for all non-school property taxesThe part of your property taxes that funds your city, the county, and special districts, but not the school district. Amendment 3 changes only these.. It does not change school taxes, and it does not change non-ad valorem assessmentsFixed charges on your tax bill for services like fire, garbage, or stormwater. They are not based on your property’s value, and Amendment 3 does not change them. like fire, garbage, or stormwater fees.

• Today (2026)The standard non-school homestead exemption is $25,000, plus up to an additional $25,722 on assessed value between $50,000 and $75,000, for up to $50,722 in total.
• November 3, 2026Florida voters approved Amendment 3. It needed 60% voter approval to pass.
• January 1, 2027The amendment takes effect, and the exemption rises to the first $150,000 of assessed value.
• January 1, 2028The exemption rises again, to the first $250,000 of assessed value, where it is scheduled to remain (adjusted for inflation from 2029 on).

A person who had not maintained a permanent Florida residence as of December 31, 2026, and who establishes a homestead on or after January 1, 2027, is exempt up to $25,000 for school levies and $50,000 for all other levies, with that $50,000 adjusted for inflation from 2028. Beginning with their fifth year of exemption they receive the full non-school exemption. From January 1, 2030 a county or municipality may, by a two-thirds vote of its full governing body, determine that a reduction of that five-year requirement is warranted for a critical local need.

A separate provision in the amendment lowers the annual assessment-increase cap on non-homesteaded properties from 10% to 5%, beginning in 2027. The existing 3%/CPI cap on homesteaded properties (Save Our Homes) is unchanged.

The amendment also limits what counties and cities may spend property taxes on. They may use them only for public safety (law enforcement, fire and emergency medical services); education and public schools; infrastructure, including roads, bridges and stormwater; natural resource projects, including flood control; bonds for those uses and payments on existing debt; retirement obligations for local employees; and running county and city government, including spending their governing bodies approve unless state law prohibits it. This limit applies to counties and cities, not to school districts or special districts.

The amendment also requires the Legislature to pass a law setting out a single process counties and cities can use to raise the exemption further for their own property taxes, up to the full assessed value.

How to read the results

• Enter your address and select it from the list, or navigate to your city if you’d rather not share your address.
• If you enter an address, the tool pulls the parcel’s assessed value from the 2026 Preliminary property appraiser roll automatically - there is nothing to type - and shows your estimated savings alongside the impact to your city and to the county.
• If you navigate to your city instead, you’ll see only the citywide and county impact, since there is no specific parcel to estimate personal savings from.
• Each city and county impact box shows the loss as a share of that government’s General Fund, the estimated dollar loss for 2027 and 2028, and a link to the full budget breakdown for that jurisdiction.

See Our Methodology for the full data sources and assumptions.