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

Greater Orlando · county seat Orlando · millage year 2025

Orange 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.

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

2025 millage (cited)

County BCC operating millage4.4347Orange County general millage.Florida DOR, 2025 Maximum Millage Levy Calculation Compliance (MillCapComp25), dated 01-26-26
School millage6.4490School state (RLE) 3.2010 + school local 3.2480 = 6.4490. Orange County Property Appraiser, 2025 Final Millage Rates
Water management0.1793St. Johns River Water Management District (some mill codes instead pay SFWMD 0.2301)
Example total millage used in the calculator16.1366Unincorporated Orange County, mill code 10. Printed October 16, 2025. Unincorporated totals on the same sheet vary by mill code (several at 16.0858–16.1366; some higher where fire/EMS or special districts apply). Orlando mill code 7 totals 19.0878. Reedy Creek mill codes are much higher because of the 12.4236 RCID levy.
Orange County Property Appraiser, 2025 Final Millage Rates · Orange County Property Appraiser, 2025 Final Millage Rates (detailed view)
Illustration: tax on $350,000 just value$5,647.81Assumes 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: $3,585. Condo unit owners including wind: $1,285.

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
Orlando$358 (11.84%)$936 (10.84%)
Winter Park$368 (11.88%)$1,572 (11.05%)

Walczak Table 5

Is it worth buying a rental in Orange?

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

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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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