How much is Save Our Homes protecting you?
Every year you have owned your Florida home, Save Our Homes has quietly held your assessment down, capping its growth at 3% a year even as the market climbed above it. That gap is money the cap already saves you, and it is often the reason an appeal cannot lower your bill. See your gap in ten seconds.
Why does the cap mean I should not appeal?
An appeal lowers your market (just) value on paper. But your bill is computed from your capped assessed value. If the cap already holds your assessed value below what an appeal could prove, winning changes nothing you pay. About 43% of homeowners who check with Appeal Season are told exactly that, for free.
When does an appeal still make sense?
If you bought recently, your assessed and market values are still close, and the cap has had no time to build protection. That is when an over-assessment flows straight into your bill, and when checking the math matters most.
Not sure which side you are on? The free check reads your county's actual records and tells you honestly, either way.
Check my assessment →Frequently asked questions
What is the Save Our Homes cap in Florida?
Save Our Homes limits the annual growth of a homesteaded property’s assessed value to 3% or the change in CPI, whichever is lower, while market value floats freely. Over time this builds a gap that lowers your taxable value.
Should I appeal my property taxes if I have a Save Our Homes cap?
Often not. If the cap already holds your assessed value below the market value an appeal could prove, a successful appeal would not change your bill. Recent buyers with little cap protection benefit most from appealing.
See your county's deadline on the Florida appeal season guide, or estimate what over-assessment costs with the overpayment calculator.