Save Our Homes needs context before you estimate a tax bill
Save Our Homes limits annual assessed-value increases after homestead begins, but ownership changes and the rest of the tax bill still matter.
Save Our Homes can be a real Florida benefit, especially if you stay in the same homestead for a while.
The cap starts the year after a home first gets the homestead exemption. It limits the yearly rise in assessed value. The limit is the lower of 3% or the year’s change in the Consumer Price Index. Florida Revenue posts the new number each year.
The cap does not freeze the tax bill. Tax rates and exemptions can change the part based on value. CDD charges and other non-ad valorem fees can appear on separate bill lines.
A sale or other owner change will often reset the value on the next January 1. Florida law has some exceptions. Portability may let an eligible owner move some or all of the old benefit. That takes its own form and math.
Check the county property appraiser record for assessed and taxable value. Then use the tax collector bill for the full amount. Together, those records show the cap without making the whole bill look fixed.
Official sources
- Florida Revenue - Save Our Homes assessment limitation
- Florida Department of Revenue - Save Our Homes
Last checked against these sources: July 27, 2026.
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