VerCalc
US
Taxes
Property Tax Projection By County
US • 2026 • County-aware projection

Property Tax Projection by County

Estimate how much your annual property tax could increase after a renovation. Use your tax bill for the most accurate “effective rate”.

Inputs

Pick a state/county, add your property numbers, and model the renovation year.

Current property (best: assessed value from your tax notice)
Renovation (value added + reassessment year)
State rules & assumptions
Starting assessed value used: $750,000 • Starting taxable value: $750,000

Projection summary

Current annual property tax (base year)
$7,800
Effective rate used: 1.04%
First year after renovation (modeled)
$8,424
Increase: $624
Cumulative increase over 5 years (vs base year)
$3,520
This is a planning estimate. Always verify your county assessor rules, exemptions, and the next-year millage.

Year-by-year table

2026
$7,800.00
Market: $750,000
Assessed: $750,000
Taxable: $750,000
Rate: 1.04%
Δ vs 2026: +$0.00
2027
$8,424.00
Market: $817,500
Assessed: $810,000
Taxable: $810,000
Rate: 1.04%
Δ vs 2026: +$624.00
2028
$8,592.48
Market: $842,025
Assessed: $826,200
Taxable: $826,200
Rate: 1.04%
Δ vs 2026: +$792.48
2029
$8,764.33
Market: $867,286
Assessed: $842,724
Taxable: $842,724
Rate: 1.04%
Δ vs 2026: +$964.33
2030
$8,939.62
Market: $893,304
Assessed: $859,578
Taxable: $859,578
Rate: 1.04%
Δ vs 2026: +$1,139.62
Calculator inputs stay on your device (local processing).

Disclaimer: All calculators on this website are provided for informational and illustrative purposes only. The results do not constitute professional advice (including legal, tax, financial, medical, or other advice). Despite careful programming, we assume no liability for the accuracy, completeness, or timeliness of the results. For matters requiring professional advice, we recommend consulting an appropriate specialist (e.g., a tax advisor, lawyer, accountant, or physician).

Notes & methodology

What this calculator does (and what it doesn’t)


This calculator estimates annual property tax before and after a renovation and shows a year‑by‑year projection.


It’s designed for planning. Real bills vary because local rates change, assessments can be appealed, exemptions differ, and some jurisdictions treat certain improvements differently.


Best input for accuracy

•Your current assessed value from your tax notice (instead of Zillow/market value)
•Your current annual property tax bill (lets the tool infer your effective local rate)
•Renovation completion year (when the assessor is most likely to add the improvement value)

Key terms: market value, assessed value, taxable value, effective tax rate


•Market value: what the property might sell for.
•Assessed value: the value your local assessor uses for taxes (may be capped in some states).
•Taxable value: assessed value minus exemptions (homestead, etc.).
•Effective tax rate: `annual tax ÷ taxable value`. It’s a practical way to model “your county + all local districts” without needing millage breakdowns.

Renovation → reassessment: why taxes can jump


Many places reassess improvements (“new construction”) even if the existing home value is capped. That’s why your tax increase can be driven mostly by the added improvement value, not just normal annual changes.


This tool lets you model:

•Added market value from the renovation (ROI assumption)
•How much of that added value is captured by the assessor (0–100%)
•Optional assessed‑value caps (CA/FL/TX presets)

State cap presets included (simplified, but useful)


California (Prop 13 — simplified)

This tool models a capped annual growth rate on assessed value and adds improvements in the renovation year.


Florida (Save Our Homes — simplified)

For homestead, the tool models a capped annual growth rate on assessed value and adds improvements in the renovation year. (Non‑homestead can be modeled with a separate 10% cap mode.)


Texas (homestead 10% cap — simplified)

The tool models the common “prior × (1+cap) + new improvements, capped by market value” approach.


Data sources & references (why 2026 is mentioned here)


The calculator is updated and reviewed in 2026. County rates and exemptions change frequently; for county‑level context you can use Tax Foundation’s county maps and then override with your own tax bill for maximum accuracy.


•[Tax Foundation — Property taxes by state and county](https://taxfoundation.org/data/all/state/property-taxes-by-state-county/)
•[IRS — Topic 503: Deductible taxes (real estate taxes)](https://www.irs.gov/taxtopics/tc503)
•[California Constitution — Article XIII A (Prop 13)](https://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CONS&division=&title=&part=&chapter=&article=XIII%20A)
•[California Revenue & Taxation Code § 70](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=RTC&sectionNum=70.)
•[Florida Statutes § 193.155 (homestead assessment limitation)](https://www.flsenate.gov/Laws/Statutes/2025/193.155)
•[Texas Comptroller — 10% appraisal cap (residence homestead)](https://comptroller.texas.gov/taxes/property-tax/cap.php)

Related tools (internal linking)


•[Self‑Employment Quarterly Tax Estimator](/us/taxes/self-employment-quarterly-tax-estimator)
•[Tax Refund Calculator](/us/taxes/tax-refund-estimator)
•[Standard Deduction vs Itemized](/us/taxes/standard-vs-itemized-deductions)

FAQ (7)

Do all renovations increase property taxes?

Not always. Cosmetic repairs may have little impact, but permitted improvements (new construction, additions, major remodels) are commonly assessed and can raise the taxable value.

What’s the most accurate way to use this calculator?

Use your assessed value from the tax notice and your current annual property tax bill. The calculator can infer your effective local tax rate from those numbers.

What is an effective property tax rate?

It’s a practical rate computed as annual tax divided by taxable value. It approximates the combined effect of county, city, and special district rates without needing a full millage breakdown.

Does the calculator include homestead exemptions?

You can enter a flat exemption amount that reduces taxable value. Real-world exemptions are more complex and vary by county and eligibility rules.

How does California Prop 13 affect the projection?

This tool models a capped growth rate on assessed value each year and adds renovation value in the renovation year. It’s a simplified planning model—actual assessments can include additional rules and appeals.

How does the Texas 10% cap work in the model?

For homestead mode, the tool uses a common simplified rule: assessed value in the next year is limited to prior assessed value × (1+cap) plus the value of new improvements, then capped by market-based assessed value.

Is the county tax rate used here always correct?

County-level published averages can be a starting point, but the most accurate way is to enter your own current tax bill, because local rates and special districts vary property by property.