November 3, 2026: Florida Amendment 3 is on the ballot. Rentals do not get the new homestead exemption.County impact →
Rental TruthCentral Florida holding costs

Greater Orlando · county seat Kissimmee · millage year 2025

Osceola County rental property tax, millage, and insurance

After you close, this rental is taxed on just value with no homestead exemption. The numbers below are dated 2026-10-18 and cited. They are not a bill for a specific parcel.

· · Figures retrieved 2026-10-18 · 2025 millage.

Osceola County Property Appraiser·Osceola County Tax Collector·FL DOR data portal·Amendment 3 in Osceola

2025 millage (cited)

County BCC operating millage6.7000Osceola County general fund millage.Florida DOR, 2025 Maximum Millage Levy Calculation Compliance (MillCapComp25), dated 01-26-26
School millage5.3060RLE 3.0580 + discretionary 0.7480 + capital 1.5000 = 5.3060. Osceola County Property Appraiser, 2025 Final Millage Rates
Water management0.2301South Florida Water Management District (district + Okeechobee basin + Everglades construction)
Example total millage used in the calculator13.8543Unincorporated Osceola County (mill code 300). County millage on the PA sheet is 7.2500 (general fund 6.7000 + library 0.3000 + Save Osceola operating 0.2500). Unincorporated also pays EMS 1.0682. Kissimmee total 17.4114; St. Cloud 17.8989. CFTOD mill code 315 totals 25.2097 because of a 12.4236 district levy.
Osceola County Property Appraiser, 2025 Final Millage Rates
Illustration: tax on $350,000 just value$4,849.01Assumes just value equals $350,000 at the example total millage. Not a TRIM bill. Formula: value × mills ÷ 1,000.

A newly purchased rental’s taxable value starts at just value (no $51,411 homestead). Non-ad valorem assessments are not in millage.Purchase-reset explainer.

Insurance (OIR, not a landlord quote)

Average homeowners premium including wind: $2,911. Condo unit owners including wind: $1,278.

As of 2025-09-30.Florida Office of Insurance Regulation, Property Insurance Stability Report (January 1, 2026).County averages are homeowners and condo-unit-owner premiums including wind coverage, from Market Information Reporting. They are not landlord (DP-3 / dwelling fire) averages. OIR states actual charged premium varies by company, insured value, deductibles, and terms.All I-4 counties.

Condo holding-cost issues

Florida requires milestone structural inspections and structural integrity reserve studies for condominium and cooperative buildings three or more habitable stories. Special assessments and reserve funding are a holding-cost risk for condo rentals. We do not publish a statewide average special-assessment dollar figure because no official source gives one.

DBPR inspections·SB 4-D FAQs

Cities in this county (Walczak Table 5)

CityApartmentSFR
St. Cloud$488 (25.92%)$1,979 (29.82%)

Walczak Table 5

Is it worth buying a rental in Osceola?

This page does not answer yes or no. Run rent against millage, insurance, flood, and HOA on the parcel.Calculator pre-set to Osceola.

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County-change newsletter

Millage, TRIM notices, insurance filings, flood-map updates, and condo reserve rules — one email, I-4 counties only. No lender pitches.

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