November 3, 2026: Florida Amendment 3 is on the ballot. Rentals do not get the new homestead exemption.County impact →

Polk County · Table 5 · 2028 model

Bartow rental holding costs and Amendment 3

People searching “is it worth buying a rental in Bartow” need tax, millage, and insurance — not a slogan. Below are the cited figures. We do not declare this market a buy.

· · Figures retrieved 2026-10-18

Amendment 3 modeled 2028 tax (Table 5)

TypeAdditional taxPercent
Apartment unit$35822.62%
Single-family rental$90824.85%

Walczak Table 5 · county-level Table 4 is on the Polk Amendment 3 page.

Millage used for a purchase-year tax sketch

The county millage sheet prints a Bartow total of 18.2159 mills(Bartow total on the Polk County 2025 Final Millage Rates sheet). Illustration only: just value of $350,000 × millage ÷ 1,000 = $6,375.57 ad valorem tax, ignoring non-ad valorem assessments.Polk County Property Appraiser / Tax Collector, 2025 Final Millage Rates.

OIR homeowners-with-wind average for Polk as of 2025-09-30: $2,771. That is a labeled placeholder, not a Bartow DP-3 quote.Insurance page.

Is it worth buying a rental in Bartow?

This site does not rate Bartow as a buy or a pass. Worth depends on rent, millage, insurance, flood, and HOA on the specific parcel. Walczak Table 5 models $908 (24.85%) additional 2028 tax on the average Bartow single-family rental if millage is raised to replace homestead revenue — an assumption, not a forecast.

Does a Bartow rental get the Amendment 3 homestead exemption?

No. Homestead is for a permanent resident’s primary home. Source: Pinellas County Property Appraiser Amendment 3 FAQs.

Calculator starting from Polk

If Bartow millage is in our files, type 18.2159 into the millage field. Label: Bartow total on the Polk County 2025 Final Millage Rates sheet.