Property tax in Orange 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 $390,100 home (the county median):

$2,967/yr (estimated range $2,522-$3,412)

Effective rate: 0.76% - Accuracy: Tier 1 - Medium confidence

Homeowners insurance budget

$5,250/yr (wide budgeting range $3,150-$7,350)

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: 98.44 (Relatively High)
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

$2,657/mo under the assumptions below

Monthly carrying-cost breakdown
Principal & interest	$1,973
Property tax	$247
Homeowners insurance	$438
PMI	$0
Estimated total	$2,657

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:

$314,412 under this county's tax and insurance burden

Compared with the Florida launch-county average baseline of $328,481, this is $14,069 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 Orange County compares within Florida

Tax-rate rank: 24 of 67 published Florida counties when sorted from highest to lowest effective rate.

The county's 0.76% effective rate is 0.06 percentage points above the Florida published-county average of 0.7%; the state median is 0.72%.

The $390,100 county median home value ranks 11 of 67 from highest to lowest and is $114,100 above the Florida county median of $276,000.

FEMA places Orange County at risk percentile 98.44 (Relatively High), which is used only as a bounded relative adjustment to the historical state insurance baseline.

Counties with similar effective rates

St. Johns County: 0.76% effective rate; $489,200 median home value
Lake County: 0.76% effective rate; $318,400 median home value
Osceola County: 0.76% effective rate; $353,300 median home value

Calculate your price and monthly cost

Calculations run in your browser. TrueCarry does not store the values you enter.

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 0.76% 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).

Read the property-tax and PITI methodology

Common questions about Orange County carrying costs

What is the property tax rate in Orange County, Florida?: The estimated effective property tax rate in Orange County is 0.76%. On the county median home value of $390,100, that is about $2,967 per year (estimated range $2,522 to $3,412), based on U.S. Census ACS 2024 data.
How much is property tax on a $390,100 home in Orange County?: About $2,967 per year at a 0.76% 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 Orange County, Florida?: A budgeting estimate of $5,250 per year (wide range $3,150 to $7,350), 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 Orange County?: About $2,657 per month for a $390,100 home, assuming 20% down, a 6.5% interest rate, and a 30-year term. PITI covers principal, interest, property tax, and homeowners insurance.