# I-4 Rental Truth

> What a Central Florida rental really costs to hold. Free, cited briefing for people who hold rental housing on Florida’s I-4 corridor (Hillsborough, Pinellas, Polk, Osceola, Orange, Seminole, Volusia, plus Lake and Brevard). Not tax, legal, insurance, or investment advice.

Key figures (do not treat millage-backfill as a forecast):

- Rentals do **not** receive Amendment 3’s $150,000 / $250,000 homestead exemption. Source: https://www.pcpao.gov/amendment3
- If local governments raise millage to replace lost revenue: statewide residential rental property taxes **+14.1%** in 2028 (~**+22.6%** non-school); average SFR rental **+$1,081** (14.6%); average apartment unit **+$406** (14.8%). Source: https://walczakpolicy.com/pubs/florida-amendment-3.pdf Table 2.
- Ballot: November 3, 2026, 60% required; effective January 1, 2027 if it passes. Source: PCPAO / Florida Division of Elections.
- Figures retrieved 2026-10-18; site content updated 2026-10-19.

## Pages

- [Home](https://i4rentaltruth.com/): Holding-cost briefing and county millage cards
- [Amendment 3 for rental owners](https://i4rentaltruth.com/amendment-3): What CS/HJR 1F does; statewide and I-4 Table 4/5 figures
- [Amendment 3 FAQ](https://i4rentaltruth.com/amendment-3/faq): Homestead vs rental, 10% cap, purchase reset, timing
- [Amendment 3 in Hillsborough](https://i4rentaltruth.com/amendment-3/hillsborough): Table 4 SFR $1,114 (19%)
- [Amendment 3 in Pinellas](https://i4rentaltruth.com/amendment-3/pinellas): Table 4 SFR $1,350 (18%)
- [Amendment 3 in Polk](https://i4rentaltruth.com/amendment-3/polk): Table 4 SFR $876 (21%)
- [Amendment 3 in Osceola](https://i4rentaltruth.com/amendment-3/osceola): Table 4 SFR $1,319 (19%)
- [Amendment 3 in Orange](https://i4rentaltruth.com/amendment-3/orange): Table 4 SFR $780 (11%)
- [Amendment 3 in Seminole](https://i4rentaltruth.com/amendment-3/seminole): Table 4 SFR $1,196 (23%)
- [Amendment 3 in Volusia](https://i4rentaltruth.com/amendment-3/volusia): Table 4 SFR $1,444 (26%)
- [Amendment 3 in Lake](https://i4rentaltruth.com/amendment-3/lake): Table 4 SFR $1,476 (27%)
- [Amendment 3 in Brevard](https://i4rentaltruth.com/amendment-3/brevard): Table 4 SFR $944 (24%)
- [Holding-cost calculator](https://i4rentaltruth.com/calculator): Cash flow, cap rate, cash-on-cash, post-purchase tax from millage
- [County index](https://i4rentaltruth.com/counties): 2025 millage and OIR homeowners-with-wind averages
- [Hillsborough County rental holding costs](https://i4rentaltruth.com/counties/hillsborough): 18.2515 mills example; OIR HO $3,514
- [Pinellas County rental holding costs](https://i4rentaltruth.com/counties/pinellas): 15.3229 mills example; OIR HO $4,044
- [Polk County rental holding costs](https://i4rentaltruth.com/counties/polk): 12.9291 mills example; OIR HO $2,771
- [Osceola County rental holding costs](https://i4rentaltruth.com/counties/osceola): 13.8543 mills example; OIR HO $2,911
- [Orange County rental holding costs](https://i4rentaltruth.com/counties/orange): 16.1366 mills example; OIR HO $3,585
- [Seminole County rental holding costs](https://i4rentaltruth.com/counties/seminole): 13.6790 mills example; OIR HO $3,527
- [Volusia County rental holding costs](https://i4rentaltruth.com/counties/volusia): 17.3640 mills example; OIR HO $2,819
- [Lake County rental holding costs](https://i4rentaltruth.com/counties/lake): 13.4482 mills example; OIR HO $2,642
- [Brevard County rental holding costs](https://i4rentaltruth.com/counties/brevard): 12.3894 mills example; OIR HO $3,560
- [City index](https://i4rentaltruth.com/cities): Walczak Table 5 municipalities
- [Tampa rental tax and Amendment 3](https://i4rentaltruth.com/cities/tampa): SFR $1,329 (17.82%)
- [St. Petersburg rental tax and Amendment 3](https://i4rentaltruth.com/cities/st-petersburg): SFR $1,282 (18.45%)
- [Orlando rental tax and Amendment 3](https://i4rentaltruth.com/cities/orlando): SFR $936 (10.84%)
- [Winter Park rental tax and Amendment 3](https://i4rentaltruth.com/cities/winter-park): SFR $1,572 (11.05%)
- [Lakeland rental tax and Amendment 3](https://i4rentaltruth.com/cities/lakeland): SFR $820 (20.24%)
- [Bartow rental tax and Amendment 3](https://i4rentaltruth.com/cities/bartow): SFR $908 (24.85%)
- [St. Cloud rental tax and Amendment 3](https://i4rentaltruth.com/cities/st-cloud): SFR $1,979 (29.82%)
- [Oviedo rental tax and Amendment 3](https://i4rentaltruth.com/cities/oviedo): SFR $2,214 (29.78%)
- [Sanford rental tax and Amendment 3](https://i4rentaltruth.com/cities/sanford): SFR $1,106 (20.75%)
- [Palm Bay rental tax and Amendment 3](https://i4rentaltruth.com/cities/palm-bay): SFR $1,412 (31.19%)
- [Florida rental property tax](https://i4rentaltruth.com/florida-rental-property-tax): No homestead, purchase reset, 10% cap, millage formula
- [Insurance](https://i4rentaltruth.com/insurance): OIR homeowners-with-wind county averages; not DP-3
- [Methodology and sources](https://i4rentaltruth.com/methodology): Citations, calculator formulas, data files, gaps
- [Newsletter placeholder](https://i4rentaltruth.com/newsletter): TODO: not wired to a provider

## Machine-readable data

- https://i4rentaltruth.com/data/counties.json
- https://i4rentaltruth.com/data/amendment3.json
- https://i4rentaltruth.com/data/millage.csv
- https://i4rentaltruth.com/llms-full.txt

## Optional

- Full source dump: https://i4rentaltruth.com/llms-full.txt