Quick Answer
Hernando County's combined millage rate for FY2025-2026 is approximately 8.0-8.1 mills. Spring Hill is unincorporated, so no city tax applies. A $338K home with the homestead exemption pays roughly $2,400-$2,800 per year. Apply for homestead at hernandopa.org before March 1.
What Is the Property Tax Rate in Spring Hill FL?
Spring Hill is in unincorporated Hernando County, meaning residents pay county-level taxes but no separate city tax. The Hernando County Board of County Commissioners set the general fund millage at 6.1650 mills for FY2025-2026, reduced from the prior year. Combined with school board, water management, and other district levies, the total millage for most Spring Hill parcels is approximately 8.0-8.1 mills.
Hernando County Millage Rate Breakdown (FY2025-2026)
| Taxing Authority | Millage (approx.) | Notes |
|---|---|---|
| Hernando County General Fund | 6.1650 | BOCC set at rollback rate in July 2025 |
| School Board (operating) | included in combined | State-mandated portion |
| Southwest Florida Water Mgmt District | included in combined | SWFWMD levy |
| Other special districts | varies by parcel | Hospital, library, fire (varies) |
| Combined Total (est.) | ~8.0-8.1 mills | Typical Spring Hill parcel |
Note: Millage rates change annually. Verify the current rate with the Hernando County website or the Hernando County Property Appraiser.
How Much Will You Pay in Property Taxes in Spring Hill FL?
Florida property taxes are calculated on the assessed value minus any exemptions, then multiplied by the millage rate. New buyers pay taxes on the purchase price the first year (no Save Our Homes cap applies until the following January when homestead is established).
| Purchase Price | Est. Taxable Value (after $50K homestead) | Est. Annual Tax (@8.05 mills) | Est. Monthly Tax |
|---|---|---|---|
| $250,000 | $200,000 | $1,610 | $134 |
| $300,000 | $250,000 | $2,013 | $168 |
| $338,000 | $288,000 | $2,318 | $193 |
| $400,000 | $350,000 | $2,818 | $235 |
| $500,000 | $450,000 | $3,623 | $302 |
Without homestead exemption (non-primary-residence or investor properties): add approximately $403 per $50K of exemption back to the annual figure above. Investment properties and second homes do not qualify for homestead.
How Does the Florida Homestead Exemption Work?
What Does Homestead Exemption Cover?
Florida's homestead exemption provides two layers of tax savings for primary residence owners. The first $25,000 of assessed value is exempt from all property taxes. The next $25,000 (assessed value $50K-$75K) is exempt from all non-school taxes. Combined, this saves most homeowners $500-$800+ per year depending on the local millage rate.
Save Our Homes Cap
Once homestead is established, Florida's Save Our Homes provision caps annual assessment increases at 3% or the rate of inflation (whichever is lower). This means longtime homeowners see their taxable value grow much more slowly than market value. However, when you buy a home, you pay taxes on the purchase price the first full year, and your SOH cap resets from your purchase date going forward.
Portability
Florida allows homeowners to transfer (port) up to $500,000 of their Save Our Homes benefit to a new home when they move within Florida. If you are selling a home with significant SOH savings and buying in Spring Hill, portability can dramatically reduce your new tax bill. Ask Barrett or your tax advisor about your specific portability calculation.
How to Apply for Homestead in Hernando County
- Apply at hernandopa.org or in person at the Hernando County Property Appraiser's office in Brooksville
- Deadline: March 1 of the year you want the exemption to apply
- You must own and occupy the property as your primary residence as of January 1 of that year
- Documents needed: Florida driver's license or ID with Spring Hill address, vehicle registration (FL), deed
Are There Additional Property Tax Exemptions in Hernando County?
Senior Exemption (65 and Older)
Hernando County offers an additional exemption for seniors age 65 and older who meet income limits. This can provide significant additional savings beyond the standard homestead exemption. Income limits and exemption amounts change annually; contact the Hernando County Property Appraiser for current figures.
Disabled Veterans
Florida provides significant property tax exemptions for veterans with service-connected disabilities. A veteran with 100% service-connected disability may qualify for a complete property tax exemption on their primary residence. Partial exemptions apply for lower disability ratings. Surviving spouses of qualifying veterans may also qualify.
Widow and Widower Exemption
Florida provides a $500 property tax exemption for widows and widowers who have not remarried. This is a modest amount but available to qualifying residents. Contact the Property Appraiser's office to apply.
How Do Spring Hill Property Taxes Compare to Nearby Areas?
| Area | County | Combined Millage (est.) | $338K Home Est. Annual Tax (w/ homestead) |
|---|---|---|---|
| Spring Hill (unincorp.) | Hernando | ~8.0-8.1 | ~$2,318-$2,400 |
| Brooksville (city) | Hernando | ~9.0-9.5 (+ city levy) | ~$2,600-$2,900 |
| Wesley Chapel (unincorp.) | Pasco | ~9.0-10.0 | ~$2,600-$3,000 |
| Land O Lakes (unincorp.) | Pasco | ~9.0-10.0 | ~$2,600-$3,000 |
| Brandon (unincorp.) | Hillsborough | ~11.0-12.0 | ~$3,200-$3,600 |
| New Port Richey (city) | Pasco | ~9.5-10.5 (+ city) | ~$2,800-$3,200 |
Spring Hill's property tax burden is among the lower rates in the Tampa Bay and Nature Coast area, a meaningful advantage for buyers comparing monthly costs across markets. Also see: Spring Hill cost of living, Spring Hill real estate guide, Brooksville, Weeki Wachee.
What About HOA and CDD Fees?
Most of Spring Hill has no HOA and no Community Development District (CDD). CDD fees, which can add $1,000-$3,500+/year to your tax bill in planned communities like Wesley Chapel or Riverview, are rare in Spring Hill. Seven Hills has an HOA (not a CDD), and Timber Pines has its own fee structure. New construction in some communities may have HOA fees; always ask the builder about recurring fees before contracting.
Questions About Spring Hill Property Taxes or How to Apply for Homestead?
Barrett Henry — REMAX Collective. 23+ years of real estate experience.
Contact BarrettCall (813) 733-7907
