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

Tampa Bay · county seat Tampa · millage year 2025

Hillsborough County rental property tax, millage, and insurance

After you close, this rental is taxed on just value with no homestead exemption. The numbers below are dated 2026-10-18 and cited. They are not a bill for a specific parcel.

· · Figures retrieved 2026-10-18 · 2025 millage.

Hillsborough County Property Appraiser·Hillsborough County Tax Collector·FL DOR data portal·Amendment 3 in Hillsborough

2025 millage (cited)

County BCC operating millage5.4608Hillsborough County BCC operating millage.Florida DOR, 2025 Maximum Millage Levy Calculation Compliance (MillCapComp25), dated 01-26-26
School millage6.3400Local school levy 3.2480 + state school levy 3.0920 = 6.3400. Hillsborough County Property Appraiser, 2025 Final Millage
Water management0.1831Southwest Florida Water Management District
Example total millage used in the calculator18.2515Unincorporated Hillsborough County (tax district U). Includes countywide levies, unincorporated MSTU, school, port authority, transit, Children's Board, and SWFWMD. City of Tampa total on the same sheet is 19.8428. Municipal and special-district millage varies by parcel.
Hillsborough County Property Appraiser, 2025 Final Millage
Illustration: tax on $350,000 just value$6,388.03Assumes just value equals $350,000 at the example total millage. Not a TRIM bill. Formula: value × mills ÷ 1,000.

A newly purchased rental’s taxable value starts at just value (no $51,411 homestead). Non-ad valorem assessments are not in millage.Purchase-reset explainer.

Insurance (OIR, not a landlord quote)

Average homeowners premium including wind: $3,514. Condo unit owners including wind: $1,344.

As of 2025-09-30.Florida Office of Insurance Regulation, Property Insurance Stability Report (January 1, 2026).County averages are homeowners and condo-unit-owner premiums including wind coverage, from Market Information Reporting. They are not landlord (DP-3 / dwelling fire) averages. OIR states actual charged premium varies by company, insured value, deductibles, and terms.All I-4 counties.

Condo holding-cost issues

Florida requires milestone structural inspections and structural integrity reserve studies for condominium and cooperative buildings three or more habitable stories. Special assessments and reserve funding are a holding-cost risk for condo rentals. We do not publish a statewide average special-assessment dollar figure because no official source gives one.

DBPR inspections·SB 4-D FAQs

Cities in this county (Walczak Table 5)

CityApartmentSFR
Tampa$758 (18.88%)$1,329 (17.82%)

Walczak Table 5

Is it worth buying a rental in Hillsborough?

This page does not answer yes or no. Run rent against millage, insurance, flood, and HOA on the parcel.Calculator pre-set to Hillsborough.

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County-change newsletter

Millage, TRIM notices, insurance filings, flood-map updates, and condo reserve rules — one email, I-4 counties only. No lender pitches.

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