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Florida Property Tax Exemptions for Seniors: How to Qualify & Save

Phil Ganz By Phil Ganz Ryan Skerritt Edited by Ryan Skerritt 5 Min Read Updated Jan 14, 2026

Florida seniors may qualify for multiple property tax exemptions that reduce the taxable value of their primary residence.

By combining the standard homestead exemption, senior-specific exemptions, and county-level exemptions, eligible homeowners can significantly lower their annual property tax bill.

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Most applications are handled by your county property appraiser and are typically due by March 1 of the tax year.




How Much Can Florida Seniors Save on Property Taxes?

Florida seniors can reduce the taxable value of their home by $50,000 to $100,000+, depending on eligibility and county participation.

Because property tax rates vary by county, the exact dollar savings differ, but many seniors see meaningful annual reductions when exemptions are stacked correctly.


The 3 Property Tax Exemptions Florida Seniors Should Know

Florida seniors may qualify for three property tax exemptions: the standard homestead exemption, a statewide senior exemption, and county-specific senior exemptions.

When combined, these exemptions can reduce a home’s taxable value by up to $150,000 and save seniors up to $2,400 per year on property taxes.


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Standard Florida Homestead Exemption (Up to $50,000)

The Standard Homestead Exemption is the foundation for all other senior property tax benefits in Florida.

Who qualifies

  • You own the home
  • The home is your primary residence
  • You lived there as of January 1 of the tax year
  • You are a Florida permanent resident

Why it matters

  • Reduces the assessed value of your home by up to $50,000
  • Includes Save Our Homes protection, which limits annual assessment increases

This exemption has no age or income requirements and is required before applying for senior exemptions.


Florida Senior Additional Homestead Exemption (County Opt-In)

Some Florida counties offer an additional homestead exemption for seniors aged 65+, often up to $50,000 more in assessed value reduction.

Key points

  • Must already receive the standard homestead exemption
  • Age requirement: 65 or older
  • Many counties apply household income limits, updated annually
  • Not all counties participate — adoption is optional

Because income limits and availability vary by county and year, seniors should always verify the current requirements with their local property appraiser.


County-Specific Property Tax Exemptions for Seniors

In addition to statewide exemptions, many counties offer extra property tax relief for seniors, which may include:

  • Additional senior exemptions
  • Veteran or disabled exemptions
  • Widowed or long-term residency exemptions

These county programs can often be stacked on top of homestead and senior exemptions for greater savings.


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How to Apply for Florida Senior Property Tax Exemptions

Seniors should apply for property tax exemptions through their county property appraiser’s office, typically by March 1 of the tax year.

Required documentation often includes proof of age, Florida residency, homestead status, and prior-year income. Even if you qualified in a previous year, annual income verification may still be required to maintain the exemption.

Florida seniors age 65 or older may qualify for additional property tax exemptions based on income, county rules, and homestead status, but applications must be filed with the local property appraiser.


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Florida Senior Property Tax Income Limits

Income limits for senior property tax exemptions are set by the state and adjusted each year. These limits typically apply to total household income, including Social Security, pensions, and investment income.

Year Maximum Household Income Applies To
Current Tax Year ~$35,000–$37,000* Additional senior homestead exemptions
Prior Year ~$34,000–$36,000* Reference only

* Income limits vary slightly by year and county. Always verify current limits with your local property appraiser.


County-Specific Property Tax Exemption Examples in Florida

Many Florida counties offer additional senior property tax exemptions beyond the statewide program. These county exemptions vary by location, income limits, and benefit amounts, and can provide up to an extra $50,000 reduction in taxable home value.

County exemptions must be applied for separately and are not automatic, even if you already receive Florida’s homestead exemption.


Miami-Dade County

Miami-Dade offers an additional senior homestead exemption for residents age 65 or older whose household income falls below the county’s annual income threshold. Eligible seniors may receive up to a 100% exemption on the assessed value, depending on income and property use.


Broward County

Broward County provides a local senior exemption that applies to homeowners age 65+ who meet income limits. The exemption can reduce the assessed value of a homesteaded property beyond the standard statewide exemption, helping lower annual tax bills.


Palm Beach County

Palm Beach County allows qualifying seniors to apply for an additional homestead exemption based on age and income. Seniors must own and occupy the property as their primary residence and meet updated income limits each year.


Orange County

Orange County offers a senior exemption for homeowners age 65 or older who meet income requirements and have owned the property for a specified period. This exemption can result in meaningful tax savings for long-term residents.


Check Your Reverse Mortgage Eligibility


Florida Senior Property Tax Exemption FAQs

Quick answers to the most common questions Florida seniors ask about property tax exemptions, eligibility rules, deadlines, and savings.


Do seniors get property tax breaks in Florida?

Yes. Florida seniors may qualify for additional property tax exemptions if they are age 65+ and have homestead on their primary residence. Many senior exemptions are income-based and vary by county or city, so eligibility depends on local rules and annual household income limits.


What age do you have to be to qualify for senior property tax exemptions in Florida?

Most senior property tax exemptions in Florida require at least one homeowner to be 65 years old or older as of January 1 of the tax year, and the property must qualify for homestead.


Do Florida senior exemptions have income limits?

Often, yes. Many counties offer a limited-income senior exemption that uses a statewide household income limit that is updated annually. Some counties also offer an additional long-term residency senior exemption with income requirements.


Do senior property tax exemptions apply to all taxes in Florida?

Not always. Senior exemptions are typically a local option and may apply only to certain county or municipal taxes, and may not apply to school district taxes. The exact impact depends on the county and taxing district.


How do seniors apply for property tax exemptions in Florida?

Seniors apply through their county property appraiser’s office. Requirements commonly include proof of homestead, proof of age, and documentation of prior-year household income if the exemption is income-based.


When is the deadline to apply for Florida senior property tax exemptions?

Many Florida property tax exemptions, including senior exemptions, are typically due by March 1 of the tax year, though documentation deadlines can vary by county. Check your county property appraiser for exact dates.


Check Your Home Refinance Eligibility


Find Your Florida County Property Appraiser

To apply or confirm eligibility, visit your county’s property appraiser website. Each county administers exemptions independently.


The Bottom Line for Florida Seniors

Florida offers some of the most senior-friendly property tax exemptions in the country, but the savings depend on applying correctly and on time.

If you’re 65 or older and own your home, checking your eligibility could reduce your tax bill every year you remain in the property.

With over 50 years of mortgage industry experience, we are here to help you achieve the American dream of owning a home. We strive to provide the best education before, during, and after you buy a home. Our advice is based on experience with Phil Ganz and Team closing over One billion dollars and helping countless families.

Phil Ganz

About Author - Phil Ganz

Phil Ganz has over 20+ years of experience in the residential financing space. With over a billion dollars of funded loans, Phil helps homebuyers configure the perfect mortgage plan. Whether it's your first home, a complex multiple-property purchase, or anything in between, Phil has the experience to help you achieve your goals.

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Ryan Skerritt

About Editor - Ryan Skerritt

Ryan Skerritt has over 10+ years of experience in the residential financing space. With over two hundred and fifty million of funded loan volume, Ryan has the skill set to help any homebuyer configure the perfect mortgage plan.

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