Six days from now, Florida voters decide whether your property tax bill shrinks for good. You need a florida amendment 3 calculator approach you can run on the back of your own tax notice in about two minutes. This post gives you that math, county by county, so you can walk into the vote knowing your own number instead of guessing from headlines.
Property taxes sit near the top of the Florida cost stack, beside insurance premiums and association fees. Our Florida Homeownership Costs hub tracks that full stack in one place, because a home stays affordable only when every layer of the bill stays affordable.
Florida Amendment 3 Calculator: The Simple Math
Every calculator you will find online runs on one formula. Take the added exempt value the amendment gives you, multiply it by your total non school millage rate, and divide by one thousand. One mill means one dollar of tax for every one thousand dollars of taxable value. That is the whole engine.
Here is why the math works. Today a Florida homestead gets about 51,411 dollars of exemption against non school property taxes. Amendment 3 raises that exemption to 150,000 dollars in 2027 and to 250,000 dollars in 2028, with inflation adjustments after that. So for a home assessed high enough to use the full amount, the added exempt value is 98,589 dollars in 2027 and 198,589 dollars in 2028. Multiply those two numbers by your non school millage and you have your savings. Our earlier guide to Florida Amendment 3 explained in plain language covers the full mechanics of the measure if you want the deeper walk through first.
What Broward, Palm Beach and Miami Dade Homeowners Could Save
County calculators built on property appraiser and state revenue data put the Broward countywide average at 13.5013 non school mills. Run the formula and a Broward homestead saves about 1,331 dollars in 2027 and about 2,681 dollars a year from 2028. Palm Beach County averages 11.4248 non school mills, which works out to about 1,126 dollars in 2027 and about 2,269 dollars a year from 2028. Miami Dade examples built on 11.859 non school mills land near 1,169 dollars in 2027 and about 2,355 dollars a year from 2028.
Your city rate will differ from the county average, because every city and special district adds its own mills on top, so check your own notice for your exact number. Smaller homes save less in dollars but can gain even more in proportion. A Broward home assessed at 120,000 dollars pays non school tax on about 68,589 dollars today, and that taxable slice falls to zero in 2027 under the new exemption, saving roughly 926 dollars at the county average rate. From 2028, any homestead assessed at 250,000 dollars or less could owe no non school property tax at all.
Run Your Own Numbers in Four Steps
Step one. Find your assessed value. It is on your TRIM notice from your county property appraiser and on the tax bill itself. Use the assessed value, never the market value or what a website says your home could sell for.
Step two. Add up your non school millage. Your tax bill lists every taxing authority in rows. Add the county, city and district rows and leave the school district row out, because Amendment 3 does not touch school taxes.
Step three. Do the two multiplications. Multiply your non school mills by 98.59 for a quick 2027 estimate and by 198.59 for a 2028 estimate. Those shortcuts work because the added exempt value divided by one thousand gives you 98.59 and 198.59. If your assessed value falls below the new exemption, your savings cap out at the tax you pay on the value above today’s exemption.
Step four. Put the savings next to your other costs. Two thousand dollars a year is real money against rising insurance bills, and it belongs in any honest monthly cost for a home. A Florida broker who prices that full cost before you commit, like our team at Sunset Realty, will run this tax line beside the mortgage and the insurance quote rather than waving at the list price alone.
What This Calculator Cannot Tell You
The formula has honest limits, and you should know them before you vote. School taxes do not change under Amendment 3, so the school row of your bill stays exactly as it is, and no homestead bill falls all the way to zero. Local governments also set millage each year, so a city that raises its rate later can hand back part of your savings. The estimate assumes your assessed value and your local rates hold steady.
Two more rules matter. Anyone who is not a Florida resident on December 31, 2026 gets the current exemption first and the increased exemption beginning with their fifth year of homestead, so new arrivals wait for the full benefit. Owners of rentals, second homes and other non homestead property get no exemption increase at all, but the amendment lowers their annual assessment increase cap from 10 percent to 5 percent, which slows how fast their taxable value can climb. The amendment also requires the Legislature to prescribe a uniform procedure for counties and municipalities to increase the homestead exemption up to full assessed value, which is the door to deeper relief later. And none of it happens unless the measure clears 60 percent approval on November 3, 2026 and takes effect on January 1, 2027.
The Record: Saying It Since 2023
This vote is personal for me. I have publicly called for abolishing the property tax burden on homeowners since November 25, 2023, when my post Thread: Why Property Taxes Should Be Abolished appeared on Facebook (Read the original post), and I reshared it on October 19, 2026 with the line Three years ago I started this fight. November, Florida decides. (Read the original post). The series continued through 2024, including Property Taxes is a Scam and my statement that the fight would go to the state capital. Amendment 3 is not abolition, and I will not call it that. It is a major exemption increase and the first real step on a Florida ballot toward what I have advocated for three years.
Your Move Before November 3
UnlockedFi is for Amendment 3, and I urge you to vote YES on November 3, 2026. In Broward County, early voting runs through November 1, 2026, from 7 AM to 7 PM daily, so you can run your calculator math tonight and cast your ballot tomorrow. If you hold a mail ballot, it must be received by 7 PM on Election Day and a postmark does not count, so deliver it in person at this point. Election Day itself is Tuesday, November 3, 2026.
Do the four steps above before you vote. Know your assessed value, know your non school mills, and know your number.
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