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Florida property tax overpayment leaderboard
Across the 122,507 overassessed homes in the top 50 FL ZIP codes shown below, residents are projected to overpay $143,115,069 in property tax this year alone. Data pulled directly from the FL DOR 2025 Final NAL roll.
How this is calculated
For each Florida ZIP code, we compute the average just-value per square foot from the FL DOR statewide assessment roll. A property is "flagged as overassessed" if its just value is more than 10% above what the ZIP's typical dollar-per-square-foot would predict for that home's size.
Annual overpayment $ uses Florida's average effective tax rate of 0.86%. Real savings vary by county millage and homestead status. For homesteaded properties, a one-time VAB reduction compounds for 10+ years under Save Our Homes.
| # | ZIP | City | County | Homes | Flagged | % Over | Avg/home | Total annual $ |
|---|---|---|---|---|---|---|---|---|
| 1 | 32137 | Palm Coast | Flagler | 26,542 | 7,824 | 29.5% | $234,843 | $15,801,729 |
| 2 | 32413 | Panama City Beach | Bay | 17,662 | 6,569 | 37.2% | $224,003 | $12,654,674 |
| 3 | 33950 | Punta Gorda | Charlotte | 14,438 | 5,455 | 37.8% | $219,081 | $10,277,750 |
| 4 | 32408 | Panama City Beach | Bay | 16,216 | 6,657 | 41.1% | $147,282 | $8,431,927 |
| 5 | 32456 | Port St Joe | Gulf | 7,765 | 2,497 | 32.2% | $319,722 | $6,865,784 |
| 6 | 32328 | Franklin | 3,022 | 1,136 | 37.6% | $487,707 | $4,764,704 | |
| 7 | 33981 | Port Charlotte | Charlotte | 9,515 | 2,927 | 30.8% | $178,257 | $4,487,122 |
| 8 | 32407 | Panama City Beach | Bay | 8,968 | 2,606 | 29.1% | $198,753 | $4,454,369 |
| 9 | 32404 | Panama City | Bay | 15,804 | 6,459 | 40.9% | $66,868 | $3,714,352 |
| 10 | 33952 | Port Charlotte | Charlotte | 15,799 | 3,936 | 24.9% | $105,614 | $3,574,975 |
| 11 | 33982 | Punta Gorda | Charlotte | 8,648 | 3,216 | 37.2% | $120,006 | $3,319,079 |
| 12 | 34224 | Englewood | Charlotte | 10,436 | 2,717 | 26% | $127,111 | $2,970,098 |
| 13 | 34442 | Hernando | Citrus | 9,225 | 3,108 | 33.7% | $104,088 | $2,782,151 |
| 14 | 33946 | Placida | Charlotte | 2,847 | 919 | 32.3% | $350,358 | $2,769,020 |
| 15 | 32401 | Panama City | Bay | 7,655 | 2,435 | 31.8% | $127,037 | $2,660,283 |
| 16 | 32405 | Panama City | Bay | 9,675 | 3,128 | 32.3% | $97,999 | $2,636,251 |
| 17 | 33143 | Unincorporated County | Miami-Dade | 1,192 | 385 | 32.3% | $726,181 | $2,404,386 |
| 18 | 34448 | Homosassa | Citrus | 5,528 | 1,604 | 29% | $169,517 | $2,338,385 |
| 19 | 33948 | Port Charlotte | Charlotte | 9,147 | 2,285 | 25% | $118,818 | $2,334,891 |
| 20 | 34429 | Crystal River | Citrus | 4,461 | 1,167 | 26.2% | $231,720 | $2,325,592 |
| 21 | 33935 | Labelle | Hendry | 8,285 | 2,419 | 29.2% | $111,644 | $2,322,584 |
| 22 | 32136 | Flagler Beach | Flagler | 4,487 | 1,489 | 33.2% | $164,854 | $2,111,016 |
| 23 | 32164 | Palm Coast | Flagler | 23,699 | 5,310 | 22.4% | $45,945 | $2,098,135 |
| 24 | 34465 | Beverly Hills | Citrus | 9,587 | 2,460 | 25.7% | $93,639 | $1,981,029 |
| 25 | 34223 | Englewood | Charlotte | 2,835 | 1,219 | 43% | $183,786 | $1,926,706 |
| 26 | 32444 | Lynn Haven | Bay | 7,812 | 2,417 | 30.9% | $91,019 | $1,891,930 |
| 27 | 33955 | Punta Gorda | Charlotte | 6,224 | 2,064 | 33.2% | $105,614 | $1,874,695 |
| 28 | 34428 | Crystal River | Citrus | 4,368 | 1,263 | 28.9% | $161,834 | $1,757,805 |
| 29 | 32409 | Southport | Bay | 4,154 | 1,705 | 41% | $108,862 | $1,596,242 |
| 30 | 33947 | Rotonda West | Charlotte | 7,379 | 2,070 | 28.1% | $85,955 | $1,530,169 |
| 31 | 32024 | Lake City | Columbia | 6,043 | 2,331 | 38.6% | $73,725 | $1,477,933 |
| 32 | 33953 | Port Charlotte | Charlotte | 5,778 | 1,493 | 25.8% | $114,641 | $1,471,971 |
| 33 | 34266 | Arcadia | DeSoto | 7,237 | 2,319 | 32% | $71,696 | $1,429,868 |
| 34 | 33921 | Boca Grande | Charlotte | 676 | 293 | 43.3% | $565,590 | $1,425,174 |
| 35 | 34446 | Homosassa | Citrus | 9,459 | 2,987 | 31.6% | $55,024 | $1,413,465 |
| 36 | 33983 | Punta Gorda | Charlotte | 8,457 | 1,747 | 20.7% | $87,378 | $1,312,788 |
| 37 | 32055 | Lake City | Columbia | 4,538 | 1,770 | 39% | $84,445 | $1,285,415 |
| 38 | 33980 | Port Charlotte | Charlotte | 6,946 | 2,185 | 31.5% | $66,673 | $1,252,844 |
| 39 | 33440 | Clewiston | Hendry | 5,805 | 1,941 | 33.4% | $72,979 | $1,218,210 |
| 40 | 34461 | Lecanto | Citrus | 4,610 | 1,348 | 29.2% | $97,638 | $1,131,900 |
| 41 | 32063 | Macclenny | Baker | 4,242 | 1,614 | 38% | $73,031 | $1,013,701 |
| 42 | 34450 | Inverness | Citrus | 5,065 | 1,401 | 27.7% | $78,723 | $948,507 |
| 43 | 34436 | Floral City | Citrus | 3,959 | 1,326 | 33.5% | $80,154 | $914,047 |
| 44 | 32091 | Starke | Bradford | 4,835 | 1,573 | 32.5% | $67,228 | $909,447 |
| 45 | 34453 | Inverness | Citrus | 5,579 | 1,882 | 33.7% | $55,121 | $892,145 |
| 46 | 32110 | Bunnell | Flagler | 3,575 | 1,170 | 32.7% | $88,549 | $890,980 |
| 47 | 32333 | County | Gadsden | 3,264 | 1,305 | 40% | $79,365 | $890,709 |
| 48 | 32025 | Lake City | Columbia | 5,586 | 1,875 | 33.6% | $54,585 | $880,184 |
| 49 | 34433 | Dunnellon | Citrus | 4,381 | 1,165 | 26.6% | $85,228 | $853,904 |
| 50 | 32038 | Fort White | Columbia | 3,658 | 1,336 | 36.5% | $73,462 | $844,044 |
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