32828 Property Tax Rate
Orlando, Florida · Part of Orange County
Effective Tax Rate
0.81%
24.3% above state avgMedian Annual Tax
$3,289
$274/mo escrow
Estimate Your Tax
Annual Tax
$3,289
Monthly
$274
Eff. Rate
0.81%
Buyer decision brief
What ZIP 32828 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$274/mo
Based on median annual tax paid
State context
0.05 percentage points above the Florida average
Florida average: 0.76%
Data confidence
High confidenceThe Census margin of error is $222, about 7% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Orange County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 32828 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$222 tax MOE, 7% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Orange County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 32828
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $403,700, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.81%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Florida and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $274 per month before insurance, HOA dues, or special assessments.
Assessor verification
Orange County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 32828 Compares
Median Annual Property Tax
ZIP 32828
0.81%
Effective rate
Florida Avg
0.76%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Florida
Higher than 65% of ZIP codes in Florida(65th percentile, 928 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 32828
Property owners in ZIP code 32828 (Orlando, Florida) pay a median of $3,289/year in property taxes on homes valued at $403,700. This translates to an effective tax rate of 0.81%, which is 7% above the Florida state average of 0.76%.
The monthly property tax burden for a median-valued home in 32828 is approximately $274, which factors into escrow payments on mortgages. This ZIP code is located within Orange County. This is $644 more than the Florida average of $2,645/year.
Compared to similar ZIP codes in Florida, 32828 has lower property taxes. ZIP codes with similar effective rates include 32820 (0.81%) and 32835 (0.81%).
In Orlando, property taxes represent approximately 3.3% of the median household income of $99,927, providing context for the relative tax burden on homeowners in this area.
Under Florida's Save Our Homes Act, your homestead property's assessed value is capped at 3% annual increases, but resets to market value upon sale—meaning your initial tax bill will jump to the new assessed value. Orange County offers a $25,000 homestead exemption plus an additional $25,000 exemption for non-school taxes; apply with the Orange County Property Appraiser before or immediately after closing to secure these deductions. File your homestead exemption application online at ocpafl.org or visit the Property Appraiser's office in person to ensure timely processing.
Frequently Asked Questions
What is the property tax rate in ZIP code 32828?
How much are property taxes in Orlando, FL (32828)?
How does ZIP 32828 compare to the Florida average?
What is the median home value in ZIP 32828?
What county is ZIP code 32828 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$222. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 32828 is part of Orange County, Florida. View the full county profile for broader context and more data.
View Orange County on TaxByCounty →Explore Orlando, FL
View all 30 ZIP codes in Orlando with property tax comparisons.
View Orlando Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 32828
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
32805
Orlando, FL
0.30 percentage points lower than ZIP 32828.
Rate
0.51%
Tax
$1,162
Quality
101
32811
Orlando, FL
0.24 percentage points lower than ZIP 32828.
Rate
0.57%
Tax
$1,142
Quality
101
32808
Orlando, FL
0.23 percentage points lower than ZIP 32828.
Rate
0.58%
Tax
$1,276
Quality
101
32810
Orlando, FL
0.19 percentage points lower than ZIP 32828.
Rate
0.63%
Tax
$1,625
Quality
101
32822
Orlando, FL
0.15 percentage points lower than ZIP 32828.
Rate
0.66%
Tax
$1,475
Quality
101
32806
Orlando, FL
0.15 percentage points lower than ZIP 32828.
Rate
0.66%
Tax
$2,764
Quality
101
32817
Orlando, FL
0.15 percentage points lower than ZIP 32828.
Rate
0.67%
Tax
$2,183
Quality
101
32807
Orlando, FL
0.15 percentage points lower than ZIP 32828.
Rate
0.67%
Tax
$1,650
Quality
101
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.