Homestead Portability Value Calculator

Portability preserves savings. This calculator sizes.

Old home market value

Old home assessed value

New home market value

Tax rate %

Annual tax savings

$2,220

Ported assessed savings

$185,000

New assessed value

$465,000

How the math works

Ported savings = min($500k, old savings). New assessed = new market − ported.

$450k market − $265k assessed = $185k savings ported to new home. At 1.2% = $2,220/yr savings. Over 15 years: $33k. File portability paperwork within 3 years of old sale.

How to Use

Enter old home market value.
Enter old home assessed value.
Enter new home market value.
Enter tax rate %.
Read portability savings.

Frequently Asked Questions

Which states?

Florida (Save Our Homes), California (Prop 19 partial), South Carolina (limited). Florida most generous: up to $500k of assessed-value savings can port. Caps and rules differ widely. Confirm residence state has portability.

Timing?

Typically 2-3 years to port (Florida: 3 years). Must establish new homestead before portability window expires. File paperwork promptly with new county assessor. Failure: lose savings, reassessed at new home full market.

Benefit size?

Long-held Florida home with 10-20 years of cap-protected savings: $100-400k+ in assessed-value savings. Ports to new home proportionally. Annual tax savings $2-10k+. Over 10-20 years in new home: $20k-200k cumulative.

How often should I rerun this?

Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.