Pinellas County, Florida · 2025 certified rates

What happens to property taxes when you buy a home in Largo, FL

The tax figure on the listing is the seller's, held down by a cap that ends the day you close. The January after the sale the Pinellas County property appraiser sets the assessment to just value, and your bill is rebuilt from that number at the rate below.

The 2025 rates
Where the rate comes from
The reset, worked
The March 1 deadline
Three values
How it compares
Questions

18.9872Total mills, district LA

6.2930School levy, mills — no homestead cap applies to it for a rental

$7,734Annual tax on a $450,000 reset, homestead filed — arithmetic illustration

$810What missing March 1, 2027 costs on that same home

Save Our Homes

The seller's bill is not your bill.

Save Our Homes holds a homestead assessment's growth to the lesser of 3% or CPI while one owner holds the home — 2.9% applied for 2025, 2.7% for 2026 (s. 193.155(1), Fla. Stat.). A sale ends it, and the assessment is set to just value as of January 1, 2027 (s. 193.155(3)(a), Fla. Stat.). You do not meet the result for nearly two years: November 2026 still bills the seller's capped assessment, and November 2027 is the first bill built on the reset.

What decides the size of it in Largo is the just value the Pinellas County appraiser sets and whether you file the homestead exemption by March 1 — not whether you live there as such. Unlike Michigan, where occupying the home changes the rate, every owner in a Florida tax district pays the same rate. What changes is the exemption and the cap.

The certified rates

Largo's 2025 rates, split school and non-school

One mill is one dollar of tax per $1,000 of taxable value. These are the certified totals as published, not estimates. The split is published too, and it is not cosmetic: Florida's additional homestead exemption and its 10% non-homestead cap (the 2026rate) apply to the non-school column only.

Tax district	Total mills	School	Non-school
LA — Largo, City	18.9872	6.2930	12.6942

Source: Florida Department of Revenue, 2025 Pinellas Taxing Authority Code Descriptions. Retrieved 2026-10-11. Roll year 2025. Each district's component levies were summed and checked against its published total before being used here. These figures are corroborated by 2 independent publications. How many sources stand behind this.

What this rate does not include. Non-ad-valorem assessments — community development district (CDD) debt and operations, MSBUs, solid waste, and fire fees — arrive on the same November bill but are not millage and are not in any figure on this page. In newer Tampa-metro subdivisions a CDD assessment can be larger than the county levy. Nothing here should be read as the whole bill.

The levies

Who actually taxes a home in Largo.

A Florida tax rate is a stack of separate levies, each set by a different body. These are the 9 that make up the 18.9872 mills, as published.

Levying authority	Mills
County general fund	4.5423
County health department	0.0713
Pinellas Planning Council	0.0175
School	6.2930
Emergency medical services	0.8050
Municipality	5.5200
Southwest Florida Water Management District	0.1831
Juvenile Welfare Board	0.8250
Transit	0.7300
Total	18.9872

Source: Florida Department of Revenue, 2025 Pinellas Taxing Authority Code Descriptions. These lines sum to 18.9872 mills exactly; that check is run at build time, so a bad figure fails the build rather than reaching this page.

The arithmetic

What the reset does to the bill.

A home in Largo whose assessment resets to $450,000 of just value, worked line by line at 18.9872 mills.

Line	Figure
Just value the assessment resets to	$450,000
Less the first exemption, which reaches every levy	−$25,000
Taxable value, school levy (6.2930 mills)	$425,000
Less the additional exemption, non-school levies only (2026 amount)	−$26,411
Taxable value, non-school levies (12.6942 mills)	$398,589
Annual tax once the reset lands, homestead filed on time	$7,734

$425,000 × 6.2930 ÷ 1,000 = $2,675 school. $398,589 × 12.6942 ÷ 1,000 = $5,060 non-school. Total $7,734 a year. Rounded to the nearest dollar. Exemptions per s. 196.031(1)(a)-(b), Fla. Stat.; the additional exemption applies only to assessed value above $50,000.

With no homestead exemption, the same home computes to $8,544 a year — $450,000 × 18.9872 ÷ 1,000. That is the figure for an investor buyer in the reset year, and it is the same figure an owner-occupant pays if the March 1 application is missed, because in the reset year both levies are computed on full just value (s. 193.1554(2)-(3), Fla. Stat., s. 193.1554(5), Fla. Stat.). The difference between the two outcomes is $810 a year.

The one moving part is just value itself, which the Pinellas County property appraiser determines. It is not the purchase price and it is not always close to it — an appraiser's just value can sit below a recent sale price. This illustration uses a round number as the reset value and says so. The full report pulls the appraiser's own record for the address instead of assuming.

The one date that costs money

March 1, 2027.

Everything else on this page is arithmetic you can redo later. This is a deadline, and it does not reopen.

Statutory deadline

March 1, 2027

s. 196.011(1)(a), Fla. Stat.

If you buy in Largo this year, your homestead application is due March 1, 2027.

Florida does not move this date and does not send a reminder. The statute says that failing to apply on or before March 1 “shall constitute a waiver of the exemption privilege for that year.” Not a penalty, not a late fee — the exemption is gone for the year, and you pay as though you had never been entitled to it.

In Largo, on a home that resets to $450,000 of just value, that is the difference between $7,734 with the exemption and $8,544 without it: $810 for one year, computed at 18.9872 mills.

The exemption amounts are $25,000 against every levy and a further $26,411 against the non-school levies only (2026, the latest the Department of Revenue has published; the amount is indexed to CPI). An application missing a required social security number is incomplete, and the cure deadline is April 1, 2027 — s. 196.011(1)(b), Fla. Stat..

The timeline, dated

Why buyers are caught out: the reassuring bill and the real one are about twenty months apart, and the filing deadline falls between them.

Dates for a sale closing in 2026. A buyer who closes after January 1, 2027 is not the January 1 owner for 2027, so their first homestead year is 2028 and their deadline is March 1, 2028.
When	What happens
During 2026	You close on the home. That is a change of ownership, and it ends the cap the seller was under. s. 193.155(3)(a), Fla. Stat.
November 2026	The bill that arrives is still computed on the seller's capped assessment. Nothing has changed yet, which is why this bill reassures buyers it should not.
January 1, 2027	The assessment is set to just value as of this date, because it is January 1 of the year following the change of ownership. The cap is gone.
March 1, 2027	Your own homestead exemption application for 2027 is due with the Pinellas county property appraiser. Miss it and the exemption is waived for 2027.
April 1, 2027	Last day to cure an application that was filed but incomplete for want of a required social security number.
November 2027	The first bill computed on the reset assessment arrives — roughly twenty months after you closed.

If you do miss it, the door is narrow but it is not sealed. Two routes, both in s. 196.011(8)-(9), Fla. Stat.. If the failure to file by March 1 was the result of postal error and you can clearly document it, the value adjustment board shall grant the exemption. Otherwise you must file with the property appraiser on or before the 25th day after the appraiser mails the TRIM notices, which happens in August — and on sufficient evidence that you were unable to apply in time, or of extenuating circumstances, the appraiser may grant it. If the appraiser does not, you may petition the value adjustment board inside that same window on payment of a nonrefundable $15 fee, and the board may grant it for the current year.
Read the verbs. Outside postal error this is discretionary and the window is about three weeks in late summer, not a second deadline. File by March 1.

A homestead exemption on the parcel record is not yours. If you look up the property after closing and see an exemption listed, you are seeing the seller's exemption for the current tax year, which you inherit for that year only. It does not carry forward to you. You must file your own application by March 1, 2027 to hold the exemption for 2027. Florida county property appraisers publish this warning themselves, because it is the error buyers make most often.

The exemption figures above are current law. Amendment 3, on the November 3, 2026 ballot, would change them from January 1, 2027 if approved. It would not change the change-of-ownership reset this page computes — that clause is unstruck in the amendment's own text. What it would and would not change, clause by clause.

Three values

The same arithmetic at three round numbers.

Arithmetic illustrations of Largo's published 2025 rate. They are not statistics about what homes cost in Largo.

Just value after the reset	Homestead filed by March 1	Homestead missed, or investor	Cost of missing March 1
$300,000	$4,886	$5,696	$810
$450,000	$7,734	$8,544	$810
$600,000	$10,582	$11,392	$810

Computed at 18.9872 mills total, 6.2930 school and 12.6942 non-school, roll year 2025. Exemptions: $25,000 against all levies and up to $26,411 against non-school levies only (2026 published amount). Rounded to the nearest dollar.

In context

Is 18.9872 mills high or low for Pinellas County?

A rate on its own means little. These are comparisons between published rates in the same county, at the same roll year.

Ranked by total rate, Largo is 21st of 25 places in Pinellas County — lower than 4 of them and higher than 20. The county's range runs from 13.9417 mills in Belleair Shore to 20.4449 mills in Belleair. On a $450,000 reset with the homestead exemption filed, that spread is worth $2,592 a year between the two ends of the county.

Of Largo's 18.9872 mills, the municipality itself levies 5.5200 — 29% of the bill. The other 13.4672 mills are set by the county commission, the school board, and the special districts, none of which a city council controls. A buyer comparing two cities is usually comparing only that 29%.

The same house a mile outside the city limits, in County at 15.3229 mills, would compute to $6,274 a year instead of $7,734 — a difference of $1,461 a year, or $122 a month, on the same $450,000 of just value. City services are what the difference buys; whether that is worth it is not a question arithmetic answers.

Rentals and second homes

Florida resets investor buyers too.

The 10% non-homestead cap in force for 2026 applies to Largo's 12.6942 non-school mills only. The 6.2930 school mills are assessed at just value every year with no cap at all (s. 193.1554(2)-(3), Fla. Stat.) — so 33% of the bill here is never capped for a rental. The cap also ends on a transfer of more than half the entity that owned the property, not only on a deed (s. 193.1554(5), Fla. Stat.).

In the reset year both levies are computed on just value, so the bill is simply just value times the total rate: $8,544 on $450,000 in Largo. The Pinellas County page sets out the whole rule.

Questions

What buyers in Largo ask.

What is the property tax rate in Largo, Florida?

The 2025 certified rate for Largo is 18.9872 mills, in tax district LA (Largo, City). Of that, 6.2930 mills is the school district levy and 12.6942 mills is everything else. The split matters because Florida's additional homestead exemption and its 10% non-homestead cap (the rate in force for 2026) apply only to the non-school portion.

Why will my property taxes in Largo be higher than the seller's?

Because the number on the listing was computed under a cap that ends when you buy. Save Our Homes limits a homestead assessment to the lesser of 3% or CPI a year while one owner holds it (s. 193.155(1), Fla. Stat.), so a long-held home can sit far below what it is worth. Homestead property is assessed at just value as of January 1 of the year following a change of ownership. A change of ownership means any sale, foreclosure, or transfer of legal or beneficial title in equity. (s. 193.155(3)(a), Fla. Stat.) Your bill is then computed from just value, not from the seller's capped figure.

When is the homestead exemption deadline in Pinellas County?

March 1. An exemption application must be filed with the county property appraiser on or before March 1. Failure to apply by March 1 constitutes a waiver of the exemption privilege for that year. (s. 196.011(1)(a), Fla. Stat.) An application filed without a required social security number is incomplete and must be cured by April 1 (s. 196.011(1)(b), Fla. Stat.). If you see a homestead exemption on the parcel record after you buy, that is the seller's exemption for the current year; it does not transfer to you.

How much would property taxes be on a $450,000 home in Largo?

As an arithmetic illustration on the published rate, not a statistic about local prices: if the assessment resets to $450,000 of just value and you file the homestead exemption on time, taxable value is $425,000 for the school levy and $398,589 for the rest, and at 18.9872 mills the annual bill computes to $7,734. With no exemption — an investor buyer, or an owner-occupant who missed March 1 — the same home computes to $8,544.

What is the homestead exemption worth in Largo?

On a home that resets to $450,000 of just value in district LA, $810 a year. The exemption is $25,000 against all levies plus a further $26,411 against the non-school levies only, and the second amount applies only to assessed value above $50,000 (s. 196.031(1)(a)-(b), Fla. Stat.). The $26,411 figure is the 2026 amount, the latest the Department of Revenue has published; it is indexed to CPI and changes each year.

Does the reset apply to rentals and investment property in Largo?

Yes, and it reaches further than most buyers expect. Non-homestead residential property has its own 10% annual cap for 2026, and that cap applies only to the non-school levies — the school portion is assessed at just value every year (s. 193.1554(2)-(3), Fla. Stat.). The cap also ends on a change of ownership or control, and that includes the cumulative transfer of control or of more than half the ownership of the entity that held the property (s. 193.1554(5), Fla. Stat.). Selling the LLC rather than the deed does not avoid it.

Can I bring my old Florida homestead savings with me?

If you held a Florida homestead exemption as of January 1 in any of the three immediately preceding years, you may transfer up to $500,000 of accumulated Save Our Homes benefit to the new home (s. 193.155(8), Fla. Stat.). It is claimed as an attachment to the homestead application, so it rides the same March 1 deadline, and refunds of tax may not be made for previous years. Portability is specific to your history, so the figures on this page show the reset as the statutory default and do not assume it.

Everything on this page is arithmetic on rates certified and published by Florida Department of Revenue, for screening. Your actual bill depends on the just value the Pinellas County property appraiser determines, on the exemptions you qualify for and file, on any millage voters approve, and on non-ad-valorem assessments that are not millage and are not included here. Nothing on this page is legal, tax, or lending advice, and nothing on it is an opinion of value.

Your address, not a round number

Run the reset on the house you are actually looking at.

The free Florida property tax check runs this arithmetic on your own numbers: the seller's current assessment, the just value it resets to, and whether you will homestead the home. What this page cannot tell you is the seller's capped assessment, which is what makes the step up large or small. That figure is on the property appraiser's record, and the full report pulls it.

Check this address Get the full report — $249

The tax reset is one number out of roughly forty in the full financial inspection: every published value estimate, true monthly cost, ten years of equity math, the big-ticket replacements coming, the city's records on the house, and a verdict of Proceed, Conditional, or Walk Away. Delivered within 3 hours of payment, with 30 days to get your money back. We take no lender money.