I built this calculator for buyers pricing a purchase in southwest Miami-Dade. Enter a price and I estimate the bill for the first fully reassessed tax year across the eight neighborhoods I cover, using the 2025-26 adopted millage rates verified against the Miami-Dade Property Appraiser's chart.
Rates last verified August 2026 against the Miami-Dade Property Appraiser's 2025-26 adopted millage chart.
How this works
I estimate assessed value at 85% of your purchase price for planning. The Property Appraiser may set a different value. For a qualifying primary residence, the first $25,000 exemption applies to all levies. The additional exemption applies to assessed value above $50,000, up to $26,411 in 2026, and excludes school levies.
The table then multiplies that taxable value by the 2025-26 combined millage for each area, from 16.9317 mills in unincorporated Miami-Dade up to 19.9878 mills in Coconut Grove, which sits inside the City of Miami. On $1,000,000 of taxable value the spread between those two rates is about $3,056 a year, which is why the same budget carries differently from one neighborhood to the next.
The calculator is free and runs entirely in your browser, and nothing you type is sent anywhere or stored. If you want to see what actually sits inside a combined millage rate, the companion article below breaks the stack down levy by levy.
Common Questions
Frequently Asked Questions
I use 85% of the purchase price as a planning assumption. Florida law does not set a universal 85% assessment ratio. The Miami-Dade Property Appraiser determines the assessed value, which can be higher or lower. I estimate the first fully reassessed tax year after the purchase; the closing-year bill may still reflect the prior owner's assessment. Check the assessed value on your August TRIM notice.
No. Charges like solid waste fees and special district assessments are flat amounts that do not move with your home's value, so the calculator leaves them out. They show up as separate line items on the real bill, and the amount depends on the address.
Yes. Uncheck the homestead box and the calculator drops the homestead exemptions, worth up to $51,411 in 2026, which is how a non-homesteaded property is taxed. Without homestead there is also no Save Our Homes cap, so the assessment can climb with the market in later years.
Every figure on this page is an estimate for planning, none of it is tax or legal advice, and anything you plan to act on should be confirmed with the Miami-Dade Property Appraiser or a CPA.
Want the Numbers on a Specific Address?
Send me the address and the price you have in mind, and I will pull the parcel's current assessment and exemptions and estimate what the bill actually looks like after the sale.
