Spring Hill, Brooksville and Weeki Wachee — effective rates near 0.9%, total millage that swings by district, and a manufactured-home wrinkle that changes the math at Brookridge.
Hernando County is another low-tax corner of Florida. Effective rates on owner-occupied homes run roughly 0.72–0.92% depending on how you measure and where the parcel sits; Spring Hill — home to Timber Pines, Wellington at Seven Hills, and High Point — lands around 0.89%, with a real spread between ZIP codes (about 0.78% to 0.93%). Total millage typically falls in the 10–17 mill range once you add school, water-management, fire, and any municipal levies for Brooksville or Spring Hill. Like the rest of Florida, the headline is the millage; the exemptions decide what you actually pay.
There is a town of Hernando inside Citrus County (where Citrus Hills sits) and a separate Hernando County to the south (Spring Hill, Brooksville). This guide covers Hernando County. If your community is Citrus Hills, Arbor Lakes, or Meadowcrest, use the Citrus County guide instead — the rolls are different.
| Exemption | What It Does | Who Qualifies |
|---|---|---|
| Homestead ($50,000) | $25,000 off all levies; a second $25,000 off non-school levies for assessed value above $75,000. | Primary FL residence. Apply by March 1. |
| Save Our Homes cap | Caps annual assessed-value growth at 3% or CPI, whichever is lower (2.9% applied for 2025). Portable up to $500,000 to your next FL homestead. | Any homesteaded owner. |
| Additional senior exemption (county-optional) | Up to an extra $50,000 off, on top of homestead. | Age 65+, household AGI at or below ~$38,686 (2025 income; indexed; excludes non-taxable Social Security). Confirm Hernando County’s current adoption and limit with the Property Appraiser. |
| Long-term residency total exemption (county-optional) | Can fully exempt the homestead. | Age 65+, 25+ years in the home, just value under $300,000 at first application. Verify county adoption. |
| Veteran / disability | $5,000 for a 10%+ wartime disability; a 65+ combat-disabled veteran gets a reduction equal to the disability rating; 100% permanent & total = full exemption. | Qualifying veterans and surviving spouses. |
Florida’s additional senior exemptions are adopted county by county, not statewide. The $38,686 income ceiling is the 2025 state figure; whether Hernando grants the exemption, and the dollar amount, is local. Confirm it with the Hernando County Property Appraiser before you build it into your budget — we’d rather send you to the source than print a number that may not apply.
Hernando County is heavy on manufactured-home 55+ communities — Brookridge, High Point and others — and how the land is owned changes the property-tax picture, not just the monthly fee. At Brookridge you own your lot outright, so the home and land are taxed as real property like any house, and you carry the full homestead and Save Our Homes protections. In a land-lease park you own only the structure and pay lot rent, which is not property tax at all; in a resident-owned co-op you own a share and are taxed on that interest. Same county, very different bills — and very different protections when the community changes hands.
Because Brookridge buyers own the land, they get the $50,000 homestead and the Save Our Homes cap on assessed value — the same shields a single-family buyer gets. Pair that with an HOA around $50/month and you have one of the lowest defensible carrying costs in 55+ Florida. A land-lease park can look cheaper on paper, but lot rent can reset upward when the park is sold; owned land can’t.
Don’t treat “Spring Hill” as one rate. Effective rates measured by ZIP run from roughly 0.78% to 0.93% across the same city, driven by school-district lines and special assessment districts. On a $320,000 home that spread is a few hundred dollars a year — worth confirming the exact district before you compare two listings.
A local 55+ specialist can pull the exact district millage for any Hernando County parcel — and tell you whether a manufactured-home community is owned, leased, or a co-op before you sign.
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