A $430,000 homesteaded home inside Apopka city limits owes about $6,228 for 2026 at 16.0079 mills, or about $5,979 if paid in November with the 4% discount. Without homestead it is about $6,883. If Amendment 3 takes effect as voters approved it, the same home is estimated at about $5,275 for 2027 and $4,309 for 2028 at 2026 millage rates.
How the 2026 bill is built
Property tax is taxable value times millage, and one mill is $1 per $1,000. The final 2026 rate inside Apopka city limits is 16.0079 mills: 6.3430 for the school board, 4.4347 for Orange County, 4.6761 for the City of Apopka, 0.3748 for the library district and 0.1793 for the St. Johns River Water Management District. Homes with an Apopka mailing address outside the city limits pay the base unincorporated rate of 15.9798 mills. A few lake and special districts add more, so the tax code on the parcel record is the final word.
For 2026 the homestead exemption removes the first $25,000 of assessed value from every levy, plus up to $26,411 more from non-school levies. Non-ad-valorem charges such as solid waste and stormwater are billed separately and are not in this estimate.
Amendment 3: what changes in 2027 and 2028
Florida voters approved Amendment 3 on November 3, 2026 with about 62% of the vote; 60% was required. The count is unofficial until certified. As written, it raises the homestead exemption on non-school taxes to $150,000 on January 1, 2027 and $250,000 on January 1, 2028, and leaves the school exemption at $25,000. People who were not Florida residents on December 31, 2026 start with up to $50,000 and reach the full amount in their fifth homestead year.
The Legislature still has to pass implementing law, and cities and counties may change their millage in response. The tool holds 2026 millage constant, so read the 2027 and 2028 rows as estimates, not bills.
Buying resets the assessment
Save Our Homes limits the yearly rise in a homesteaded owner's assessed value to 3% or inflation, whichever is lower: 2.7% for 2026. When a home sells, the assessment resets to market value on the following January 1, and the seller's cap does not transfer. Enter the seller's bill to see the gap. If you are leaving another Florida homestead, portability lets you carry up to $500,000 of your own Save Our Homes difference to the new home, within three years.
Related: the mortgage calculator folds this tax into a monthly payment, the closing cost calculator shows the escrow reserves, and the guides and neighborhood pages add local detail.
Where the numbers come from
| Input | Value | Source |
|---|---|---|
| City of Apopka millage, 2026 (final) | 16.0079 mills | Orange County Property Appraiser |
| Unincorporated Orange County, 2026 (final) | 15.9798 mills, base tax code | OCPA chart of final rates 2026 |
| Homestead exemption, 2026 | $25,000 + up to $26,411 (non-school) | Pinellas County Property Appraiser summary |
| Amendment 3 result | Approved November 3, 2026, about 62% yes (unofficial) | Ballotpedia |
| Non-school exemption, 2027 / 2028 | $150,000 / $250,000 (pending implementing law) | Ballotpedia |
| Save Our Homes cap | 2.9% for 2025; 2.7% for 2026 | Florida Dept. of Revenue |
| Portability | Up to $500,000, within 3 years | Florida Dept. of Revenue PT-112 |
| Early-payment discounts | 4% Nov, 3% Dec, 2% Jan, 1% Feb | Orange County Tax Collector |
Questions people ask
What is the property tax rate in Apopka, Florida?
For 2026 the total rate inside Apopka city limits is 16.0079 mills, about $16.01 per $1,000 of taxable value. The city's own share rose from 4.4376 to 4.6761 mills this year. Unincorporated addresses nearby pay a base 15.9798 mills.
What did Florida's Amendment 3 change for homeowners?
Voters approved it on November 3, 2026 with about 62%. It raises the homestead exemption on non-school property taxes to $150,000 in 2027 and $250,000 in 2028; school taxes keep the $25,000 exemption. On a $430,000 Apopka homestead that is an estimated $953 less in 2027 and $1,919 less in 2028 than the 2026 bill, if millage stays the same. People who become Florida residents after 2026 start at up to $50,000. The result is not yet certified and implementing legislation is pending.
Why will my property tax be higher than the seller's?
A long-time owner's assessed value has been capped at 3% a year or less under Save Our Homes, so it can sit far below market value. After a sale the assessment resets to market value the next January 1. Estimate from your purchase price, never from the seller's bill.
When are Orange County property taxes due, and is there a discount?
Bills go out by November 1 and become delinquent April 1. Paying early earns 4% off in November, 3% in December, 2% in January and 1% in February. Lenders that escrow usually pay in November.
How does homestead portability work?
If your old Florida homestead was assessed below its market value, you can move that difference, up to $500,000, to a new homestead established within three years. Moving up from a home with a $350,000 market value and a $220,000 assessed value carries $130,000: a $430,000 Apopka home would start at $300,000 assessed and owe about $4,147 for 2026 instead of $6,228. File Form DR-501T with your homestead application by March 1.
Robert can pull the tax code and any special assessments for a specific address: get in touch or call 352-504-6371.
