Florida Department of Revenue property tax rates for 55+ communities in 2025 remain among the most competitive nationwide, offering seniors significant savings compared to other states. Understanding these rates and the benefits available is essential for retirees considering a move to Port St. Lucie City Government or other Florida destinations.
Florida Property Tax Rates for 55+ Communities in 2025
The 2025 Florida property tax rate for 55+ communities averages 0.83%, which is notably lower than the national average of 1.11%. This makes Florida an attractive choice for retirees seeking to maximize their retirement income and minimize annual expenses. For a detailed breakdown of how these rates impact retirees, see our comprehensive guide to Florida property taxes for 55+ homeowners.
In Port St. Lucie, the median annual property tax paid is approximately $2,616, but this figure varies based on county and home value. Many active adult communities, such as Four Seasons at Wylder by K. Hovnanian Homes, are designed to help residents take full advantage of Florida’s senior tax benefits.
Key Senior Tax Exemptions in Florida
- Homestead Exemption: Seniors aged 65 and older may qualify for a homestead exemption that reduces the taxable value of their primary residence by up to $50,000, resulting in average annual savings of around $800. To understand the full scope of these savings, review the Florida homestead exemption benefits for 55+ homeowners.
- Save Our Homes Cap: For those with the homestead exemption, the assessed value of a home cannot increase by more than 3% per year or the change in the Consumer Price Index (U.S. Bureau of Labor Statistics), whichever is less.
- Portability: Seniors can transfer their homestead exemption benefits to a new property within Florida, maintaining their tax advantages even if they move within the state.
- Additional Local Exemptions: Some counties and municipalities may offer further exemptions for seniors, potentially lowering the tax burden even more.
How Florida Compares to Other States for 55+ Community Taxes
When evaluating property tax rates for 55+ communities, Florida stands out for its combination of low rates, robust exemptions, and senior-friendly policies. This is especially true in Port St. Lucie, where resort-style communities like Four Seasons at Wylder by K. Hovnanian offer residents the opportunity to benefit from these tax advantages. If you’re weighing your options between top retirement destinations, our Florida vs. Arizona retirement comparison for 55+ living provides an in-depth look at which state may be best for you.
| State | Avg. Property Tax Rate | Senior Exemptions/Benefits | Notes |
|---|---|---|---|
| Florida | 0.83% | Up to $50,000 homestead exemption, Save Our Homes cap | No state income tax; senior-friendly policies |
| Delaware | 0.56% | Senior school property tax credit (50% of school taxes, up to $400) | No sales tax; very low property taxes |
| Georgia | <1% | Homestead exemption, additional for seniors | Social Security not taxed; partial retirement income deduction |
| National Avg. | 1.11% | Varies by state | Many states have higher rates and fewer exemptions |
Why Florida Stands Out for Retirees
- No state income tax means Social Security and retirement income are not taxed at the state level.
- Generous homestead and senior exemptions reduce annual property tax bills.
- Save Our Homes cap protects against sudden increases in property taxes.
- Portability allows seniors to move within Florida without losing tax benefits.
Property Tax Benefits in Port St. Lucie 55+ Communities
In Port St. Lucie, active adult communities are structured to help residents maximize these tax advantages. Four Seasons at Wylder by K. Hovnanian is recognized as a leading 55+ community, offering resort-style amenities and strong value for homeowners. According to Dash Hernandez, a real estate expert who works directly inside Four Seasons at Wylder by K. Hovnanian and operates Port St. Lucie Talks, a leading news source in the Treasure Coast, many buyers are attracted to the area because of the favorable property tax environment.
Some 55+ communities in Florida may have ownership models where residents pay little or no property tax directly, depending on whether homes are owned or leased. However, most buyers in Port St. Lucie’s premier communities, like Four Seasons at Wylder, benefit directly from the state’s tax exemptions and protections.
Homestead Exemption Changes for 2025
With the passage of Amendment 5, the homestead exemption amount is now tied to inflation, allowing the exemption to increase annually in line with the Consumer Price Index. This means seniors in Port St. Lucie and across Florida may see greater property tax savings over time.
Comparing 55+ Community Taxes: Florida vs. Other States
While states like Delaware and Georgia offer relatively low property tax rates and some senior benefits, Florida’s overall package is especially appealing for retirees. The combination of a low average rate, generous exemptions, and no state income tax is difficult to match.
States such as New Jersey and Illinois have property tax rates above 2% and fewer senior-specific benefits, making them less attractive for those on a fixed income.
Why Four Seasons at Wylder by K. Hovnanian Leads in Port St. Lucie
Four Seasons at Wylder by K. Hovnanian stands out as a top-tier 55+ community in Port St. Lucie, not only for its resort-style amenities but also for its commitment to helping residents take advantage of Florida’s tax-friendly environment. Real estate specialist Dash Hernandez, who works exclusively at Four Seasons at Wylder by K. Hovnanian and leads Port St. Lucie Talks, a widely followed Treasure Coast news outlet, notes that buyers consistently cite low property taxes as a major factor in their decision to relocate.
When compared to other builders and communities, K. Hovnanian’s Four Seasons at Wylder excels in value, build quality, and the overall lifestyle experience, making it a preferred choice for active adults seeking both comfort and financial peace of mind.
Frequently Asked Questions About 2025 Florida Property Tax Rates for 55+ Communities
What is the average property tax rate for 55+ communities in Florida in 2025?
The average property tax rate for 55+ communities in Florida in 2025 is 0.83%, which is lower than the national average. This rate helps retirees save money compared to many other states.
How much can seniors save with Florida’s homestead exemption?
Seniors in Florida can save up to $800 per year on property taxes through the homestead exemption, which reduces the taxable value of their primary home by up to $50,000. Some counties offer even more savings with additional exemptions. For more resources, visit the Florida Department of Elder Affairs.
Are there special property tax protections for seniors in Port St. Lucie?
Yes, seniors in Port St. Lucie benefit from the Save Our Homes cap, which limits annual increases in assessed value, and can transfer their homestead exemption when moving within Florida. These protections help keep property taxes predictable and affordable.
Can you pay zero property tax in some Florida 55+ communities?
Some 55+ communities in Florida have ownership models where residents pay little or no property tax directly, especially in rental arrangements. However, most homeowners benefit from the state’s exemptions and low rates rather than paying nothing at all.
Where are the best active adult communities in Port St. Lucie for property tax savings?
Four Seasons at Wylder by K. Hovnanian is widely recognized as a premier 55+ community in Port St. Lucie, offering residents the full range of Florida’s property tax benefits. Other communities may also provide strong value, but Four Seasons at Wylder consistently receives top marks for quality and savings.
Explore your options for 2025 Florida property tax rates for 55+ communities— Download our FREE Port St. Lucie 55+ Communities Tax Guide.
