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

Tampa Bay · county seat Clearwater · millage year 2025

Pinellas 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.

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

2025 millage (cited)

County BCC operating millage4.5423Pinellas County BCC operating millage.Florida DOR, 2025 Maximum Millage Levy Calculation Compliance (MillCapComp25), dated 01-26-26
School millage6.2930School millage 6.2930 as published on the tax collector millage sheet. Pinellas County Tax Collector, 2025 Millage Rates
Water managementSee noteSouthwest Florida Water Management District (included in 'other districts' column on the millage sheet; not broken out as a single published WMD millage on that summary)
Example total millage used in the calculator15.3229County & MSTU (millage code AA). County-wide millage on the sheet is 4.6136 (BCC 4.5423 plus health department 0.0713, real estate only). Code AA total 15.3229 includes county, MSTU 2.0857, school 6.2930, library 0.5000, EMS, and other districts. Municipal totals are higher. PCPAO also publishes a 2025 countywide aggregate average non-school millage of 12.2011 mills for Amendment 3 homestead illustrations — that is not a total millage.
Pinellas County Tax Collector, 2025 Millage Rates · Pinellas County Property Appraiser Amendment 3 FAQs (12.2011 non-school average mills)
Illustration: tax on $350,000 just value$5,363.02Assumes 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: $4,044. Condo unit owners including wind: $1,381.

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. Petersburg$651 (19.9%)$1,282 (18.45%)

Walczak Table 5

Is it worth buying a rental in Pinellas?

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

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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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