Property tax in DeSoto County, Florida
A county-level estimate for buyers and owners, with the data vintage and uncertainty shown instead of hidden.
Estimated annual property tax
For a $174,100 home (the county median):
$1,447/yr (estimated range $1,230-$1,664)
Effective rate: 0.83% - Accuracy: Tier 1 - Medium confidence
Homeowners insurance budget
$2,116/yr (wide budgeting range $1,270-$2,963)
Low confidence This is a historical budgeting benchmark, not a current carrier quote. The baseline is the 2022 NAIC HO-3 state average of $2,677/yr, adjusted for home value and FEMA county risk.
- FEMA risk percentile
- 81.65 (Relatively Moderate)
- NAIC baseline as of
- 2022-12-31
- FEMA version
- 1.20, 2025-12-01
Sources: NAIC Homeowners Report; FEMA National Risk Index. TrueCarry's analysis is not endorsed by FEMA.
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.
Illustrative monthly PITI
$1,177/mo under the assumptions below
| Principal & interest | $880 |
|---|---|
| Property tax | $121 |
| Homeowners insurance | $176 |
| PMI | $0 |
| Estimated total | $1,177 |
Assumes 20% down, a 6.5% fixed interest rate, and a 30-year term. The rate is an assumption, not today's market rate or a loan offer.
How local carrying costs affect affordability
For an illustrative household earning $100,000/yr, with $500/mo in other debts and a $50,000 down payment, the modeled maximum price is:
$316,271 under this county's tax and insurance burden
Compared with the Florida launch-county average baseline of $328,481, this is $12,210 lower.
Medium confidence Uses 28% / 36% front/back DTI, a 6.5% assumed rate, a 30-year term, and estimated tax and insurance that scale with price. It is not a loan pre-approval.
Estimate for budgeting only — not a loan pre-approval, lending decision, or financial advice. Verify with the county assessor and a licensed professional before making financial decisions.
How DeSoto County compares within Florida
Tax-rate rank: 8 of 67 published Florida counties when sorted from highest to lowest effective rate.
The county's 0.83% effective rate is 0.13 percentage points above the Florida published-county average of 0.7%; the state median is 0.72%.
The $174,100 county median home value ranks 52 of 67 from highest to lowest and is $101,900 below the Florida county median of $276,000.
FEMA places DeSoto County at risk percentile 81.65 (Relatively Moderate), which is used only as a bounded relative adjustment to the historical state insurance baseline.
Counties with similar effective rates
- Madison County: 0.83% effective rate; $116,200 median home value
- Hardee County: 0.82% effective rate; $153,600 median home value
- Charlotte County: 0.85% effective rate; $328,900 median home value
Calculate your price and monthly cost
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Source, method & confidence
Confidence: Medium. County-level effective rate derived from ACS medians; not a jurisdiction-specific mill rate.
Data as of 2024-12-31 (ACS period ending); tax year 2024; data version 2024.1.
Sources: U.S. Census Bureau, American Community Survey (ACS) 5-year, table B25103; U.S. Census Bureau, American Community Survey (ACS) 5-year, table B25077; Florida Department of Revenue, Save Our Homes assessment limitation.
Assumptions and exclusions
- Effective property-tax rate of 0.83% applied to the full home value (ACS median tax paid ÷ median home value).
- Uncertainty band of ±15% reflects intra-county variation not captured by a single county rate.
- Excludes special districts, local levies, and any exemptions (estimated separately at higher tiers).
Common questions about DeSoto County carrying costs
- What is the property tax rate in DeSoto County, Florida?
- The estimated effective property tax rate in DeSoto County is 0.83%. On the county median home value of $174,100, that is about $1,447 per year (estimated range $1,230 to $1,664), based on U.S. Census ACS 2024 data.
- How much is property tax on a $174,100 home in DeSoto County?
- About $1,447 per year at a 0.83% effective rate. Actual bills vary with assessment, exemptions, and local levies, so treat this as a budgeting estimate rather than a tax bill.
- How much is homeowners insurance in DeSoto County, Florida?
- A budgeting estimate of $2,116 per year (wide range $1,270 to $2,963), based on the 2022 NAIC HO-3 state average adjusted for FEMA county risk. It is a historical benchmark, not a carrier quote.
- What is the estimated monthly PITI payment for a home in DeSoto County?
- About $1,177 per month for a $174,100 home, assuming 20% down, a 6.5% interest rate, and a 30-year term. PITI covers principal, interest, property tax, and homeowners insurance.