Amendment 3 Savings by City: How Much Tampa Bay Homeowners Could Save in 2027 and 2028
If Amendment 3 passes, a homesteaded Tampa home could save about $1,331 in property taxes in 2027 and $2,682 in 2028. Savings depend on where you live, because each city charges a different non-school tax rate. Across 36 areas in Hillsborough, Pinellas and Pasco counties, estimated 2027 savings range from $813 to $1,611. Use the calculator below for your home, or find your city in the table.
Key findings
- Savings nearly double from the lowest-tax area to the highest. Zephyrhills homeowners would save about $1,611 in 2027, compared with $813 in unincorporated Pasco without a fire tax.
- City of Tampa: about $1,331 in 2027 and $2,682 in 2028, or $4,013 over the first two years.
- Living inside a city usually means bigger savings. City residents pay a city tax rate on top of county taxes, so a larger exemption removes more tax.
- Neighbors can see very different savings. St. Petersburg homeowners would save about $812 more in 2028 than homeowners next door in St. Pete Beach.
- These estimates assume homes assessed at $150,000 or more in 2027, and $250,000 or more in 2028. Homes with lower assessed values save less.
Amendment 3 savings calculator
Estimate your yearly property tax savings if Amendment 3 passes. For homesteaded homes in Hillsborough, Pinellas and Pasco.
Estimate only. Assumes Amendment 3 passes, current non-school tax rates stay the same, your home qualifies for homestead, and you were a Florida resident by Dec 31, 2026. Excludes school taxes, non-ad valorem fees and inflation adjustments. Rates: Hillsborough and Pinellas 2025, Pasco 2026, from county property appraisers and tax collectors. Built by The Rothfuss Team Realty.
How much would Amendment 3 save in each Tampa Bay city?
The table below shows estimated savings for a homesteaded home that gets the full extra exemption, ranked from the highest non-school tax rate to the lowest. Savings in 2027 assume an extra $98,589 of exemption, and savings in 2028 an extra $198,589, the same assumptions the Pinellas County Property Appraiser uses.
County | City or area | Non-school tax rate (mills) | Est. 2027 savings | Est. 2028 savings |
|---|---|---|---|---|
Pasco | Zephyrhills | 16.3449 | $1,611 | $3,246 |
Pasco | Dade City | 16.3396 | $1,611 | $3,245 |
Pasco | New Port Richey | 15.9400 | $1,572 | $3,166 |
Pinellas | Belleair | 14.1519 | $1,395 | $2,810 |
Pasco | Port Richey | 14.0900 | $1,389 | $2,798 |
Pinellas | St. Petersburg | 13.6267 | $1,343 | $2,706 |
Pasco | San Antonio | 13.5585 | $1,337 | $2,693 |
Hillsborough | Tampa | 13.5028 | $1,331 | $2,682 |
Hillsborough | Temple Terrace | 13.1919 | $1,301 | $2,620 |
Pinellas | Clearwater | 13.0592 | $1,287 | $2,593 |
Pinellas | Pinellas Park | 12.8242 | $1,264 | $2,547 |
Pinellas | Largo | 12.6942 | $1,252 | $2,521 |
Pinellas | Tarpon Springs | 12.5442 | $1,237 | $2,491 |
Pinellas | Belleair Bluffs | 12.5242 | $1,235 | $2,487 |
Pinellas | South Pasadena | 12.3492 | $1,217 | $2,452 |
Hillsborough | Plant City | 11.9526 | $1,178 | $2,374 |
Hillsborough | Unincorporated Hillsborough (incl. Brandon, Riverview, Valrico) | 11.9115 | $1,174 | $2,365 |
Pinellas | Kenneth City | 11.8815 | $1,171 | $2,360 |
Pinellas | Dunedin | 11.3087 | $1,115 | $2,246 |
Pinellas | Oldsmar | 11.2242 | $1,107 | $2,229 |
Pinellas | Gulfport | 11.2000 | $1,104 | $2,224 |
Pinellas | Safety Harbor | 11.1242 | $1,097 | $2,209 |
Pasco | St. Leo | 10.9739 | $1,082 | $2,179 |
Pasco | Unincorporated Pasco (with fire MSTU) | 10.5126 | $1,036 | $2,088 |
Pinellas | Treasure Island | 10.2571 | $1,011 | $2,037 |
Pinellas | Madeira Beach | 9.9242 | $978 | $1,971 |
Pinellas | Indian Shores | 9.7142 | $958 | $1,929 |
Pinellas | Seminole | 9.6535 | $952 | $1,917 |
Pinellas | Indian Rocks Beach | 9.5742 | $944 | $1,901 |
Pinellas | St. Pete Beach | 9.5355 | $940 | $1,894 |
Pinellas | Belleair Beach | 9.1536 | $902 | $1,818 |
Pinellas | Unincorporated Pinellas | 9.0299 | $890 | $1,793 |
Pinellas | Redington Beach | 8.9891 | $886 | $1,785 |
Pinellas | Redington Shores | 8.8638 | $874 | $1,760 |
Pinellas | North Redington Beach | 8.6742 | $855 | $1,723 |
Pasco | Unincorporated Pasco (without fire MSTU) | 8.2452 | $813 | $1,637 |
Download the full dataset (CSV) with total and school tax rates for every area.
Why do savings vary so much between Tampa Bay cities?
Because the exemption only removes value from the tax base, and each area charges a different tax rate on that value. The same extra $98,589 exemption saves more where the non-school tax rate is higher.
Three things drive the differences:
- City taxes. Homeowners inside a city pay a city tax rate on top of county taxes. In Hillsborough, Tampa homeowners pay a 6.2076 mill city rate that residents of unincorporated Hillsborough don’t. Unincorporated areas pay a county services tax (MSTU) instead, at 4.6163 mills, so the gap is smaller than the city rate alone suggests.
- Special districts. Some areas pay extra for fire, transit or other local services. In Pasco, the fire tax is the difference between the highest and lowest unincorporated rates in our table.
- County rates. Each county sets its own general tax rate, which applies to every homeowner in the county.
School taxes don’t affect the comparison, because Amendment 3 doesn’t change the school tax exemption.
How did we calculate these estimates?
We multiplied the extra homestead exemption by each area’s official non-school tax rate. This is the same method the Pinellas County Property Appraiser uses in its Amendment 3 example, and our formula matches its published result: at Pinellas’s average non-school rate of 12.2011 mills, we get the same $1,203 for 2027 and $2,423 for 2028.
Formula: extra exemption × (non-school tax rate ÷ 1,000) = estimated yearly savings
Step by step for the City of Tampa:
- Tampa’s total 2025 tax rate is 19.8428 mills, according to the Hillsborough County Property Appraiser.
- The school portion is 6.3400 mills, so the non-school rate is 19.8428 − 6.3400 = 13.5028 mills.
- 2027: $98,589 × 13.5028 ÷ 1,000 = $1,331.
- 2028: $198,589 × 13.5028 ÷ 1,000 = $2,682.
Where the extra exemption comes from: the 2026 homestead exemption on non-school taxes is $51,411. Amendment 3 would raise it to $150,000 in 2027 ($98,589 more) and $250,000 in 2028 ($198,589 more), according to the Pinellas County Property Appraiser.
Data sources:
County | Tax rates used | Source |
|---|---|---|
Hillsborough | 2025 final rates for Tampa, Temple Terrace, Plant City and unincorporated Hillsborough | Hillsborough County Property Appraiser |
Pinellas | 2025 rates for every city and unincorporated area (school rate 6.2930) | |
Pasco | 2026 rates for every city and unincorporated area (school rate 6.1840) |
Pasco’s 2026 rates were already published when we built this page. Hillsborough’s and Pinellas’s 2026 rates weren’t yet posted by their offices, so those use 2025. We’ll update the table when they are.
What these estimates don't include
These are estimates, not a tax bill. Your actual savings could be higher or lower because:
- Tax rates change every year. Cities and counties set new rates each fall, and some may raise rates to make up for lost revenue.
- Lower assessed values save less. The table assumes your home is assessed at $150,000 or more in 2027, and $250,000 or more in 2028. Use the calculator for your own assessed value.
- Fees aren’t covered. Non-ad valorem assessments, such as stormwater, solid waste and CDD fees, aren’t reduced by the homestead exemption.
- Inflation adjustments start in 2029. They aren’t included.
- New residents wait. People who become Florida residents in 2027 or later start at $50,000 and get the larger exemption in their fifth year of homestead.
- The details can change. The Legislature still has to pass laws that fill in how the amendment works.
Hillsborough County Property Appraiser Bob Henriquez has estimated that the average homeowner could save about $2,000 once the amendment is fully in place, and noted that “it’s not a one size fits all.” Our 2028 estimates for Hillsborough, $2,365 to $2,682 for homes at or above $250,000 in assessed value, are in the same range.
What does this mean if you're buying or selling in Tampa Bay?
Lower property taxes make the same home cheaper to own each month, which matters most for buyers comparing cities. A buyer weighing a home in Tampa against one in unincorporated Hillsborough would see different savings, but also different tax bills to begin with. Compare the full tax bill, not just the savings.
For what the December 31, 2026 residency deadline means for buyers and sellers, read our guide to Amendment 3 and your Tampa home.
Amendment 3 savings FAQs
About $1,331 in 2027 and $2,682 in 2028 for a homesteaded home in the City of Tampa assessed at $250,000 or more, if current tax rates stay the same. Homes with lower assessed values save less.
Zephyrhills and Dade City in Pasco County, at about $1,611 in 2027 and $3,245 in 2028. Both have non-school tax rates above 16 mills, the highest of the 36 areas we compared.
Unincorporated Pasco without a fire tax, at about $813 in 2027 and $1,637 in 2028, because it has the lowest non-school tax rate in our comparison at 8.2452 mills.
It's on your TRIM notice, mailed each August, and on your county property appraiser's website. Use the assessed value, not the market value. With Save Our Homes, the assessed value of a long-held homestead is often far below its market value.
No. The school tax exemption stays at $25,000, so school taxes aren't part of these savings.
Not at first. New residents start with a $50,000 exemption and get the larger exemption in their fifth year of homestead. These estimates are for people who are Florida residents by December 31, 2026.
Cite this page
The Rothfuss Team Realty. “Amendment 3 Savings by City: How Much Tampa Bay Homeowners Could Save in 2027 and 2028.” October 2026. https://rothfussteamrealty.com/blog/amendment-3-savings-by-city-tampa-bay/
Journalists and researchers are welcome to use the data and the table with a link to this page. For questions or local comment, contact James Rothfuss.
This page is general information, not tax or legal advice. Estimates assume Amendment 3 passes on November 3, 2026.
Broker and owner of The Rothfuss Team Realty. 30+ years in business and 60+ properties bought and sold across Tampa Bay.
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