What does it cost to own a home in Delray Beach?
Property tax from Delray Beach's published millage, with and without homestead, the Save Our Homes cap explained, HOA dues and the insurance quotes to get.
Homes with a Delray Beach address sit in Palm Beach County, in 3 taxing districts. A Delray Beach mailing address is not always the City of Delray Beach: 35,882 of the 64,769 homes with one are in unincorporated Palm Beach County, which levies county fire rescue and library taxes in place of the city's (Palm Beach County Property Appraiser, read 2026-10-08). The first two digits of the parcel control number say which: 00 is unincorporated. The tax below is worked out levy by levy from the 2025 published millage, with and without the homestead exemptions, on the price you enter. A purchase resets the assessment to market value the January after you buy, so the seller’s bill is not your bill. Insurance stays blank until you have a quote.
The home
The parcel's district is on its property appraiser record and its tax notice.
Leave blank to use the price. The appraiser usually assesses below it.
Dues and insurance
From the listing or the association. Blank means not entered, never zero.
Florida premiums depend on the roof, the construction, the age and the distance to the coast. Leave blank until you have a quote.
Adds the one time note stamps and intangible tax a buyer pays on a mortgage.
Enter a purchase price to see the yearly cost in Delray Beach.
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A $1,000,000 home with a Delray Beach address
An illustration at a stated price, assessed at that price, in the highest district behind a Delray Beach address (88984 to 88987, inside the Downtown Development Authority, 19.4500 mills): about $18,626 a year with the homestead exemptions and $19,450 without, before non ad valorem assessments. Each levy, with the homestead:
| Levy | Taxable value | Millage | Tax |
|---|---|---|---|
| Palm Beach County operating | $949,278 | 4.5000 | $4,271.75 |
| Palm Beach County voted debt service | $949,278 | 0.0330 | $31.33 |
| School Board, state required local effort | $975,000 | 3.0730 | $2,996.18 |
| School Board, local levy | $975,000 | 3.2480 | $3,166.80 |
| South Florida Water Management District | $949,278 | 0.0948 | $89.99 |
| South Florida Water Management District, Okeechobee Basin | $949,278 | 0.1026 | $97.40 |
| South Florida Water Management District, Everglades Construction | $949,278 | 0.0327 | $31.04 |
| Florida Inland Navigation District | $949,278 | 0.0270 | $25.63 |
| Children's Services Council | $949,278 | 0.4908 | $465.91 |
| Health Care District | $949,278 | 0.6561 | $622.82 |
| City of Delray Beach operating | $949,278 | 6.1611 | $5,848.60 |
| City of Delray Beach debt service | $949,278 | 0.0309 | $29.33 |
| Delray Beach Downtown Development Authority | $949,278 | 1.0000 | $949.28 |
Source: Palm Beach County Property Appraiser, 2025 Final vs Proposed Millage Rates, read 2026-10-08. Not a tax bill and not a quote.
Taxing districts behind a Delray Beach address, 2025
- 12983 to 12987, citywide: 18.4500 millsSchool levies 6.3210 mills. Source: Palm Beach County Property Appraiser, 2025 Final vs Proposed Millage Rates, read 2026-10-08.
- 88984 to 88987, inside the Downtown Development Authority: 19.4500 millsSchool levies 6.3210 mills. Source: Palm Beach County Property Appraiser, 2025 Final vs Proposed Millage Rates, read 2026-10-08.
- Outside the city limits: unincorporated Palm Beach County with a Delray Beach address (the 00 districts with county fire rescue and library): 16.2652 millsSchool levies 6.3210 mills. Source: Palm Beach County Property Appraiser, 2025 Final vs Proposed Millage Rates, read 2026-10-08.
The Delray Beach flood band
The city flood band is computed once a day from the FEMA flood checks and the NFIP policy data, and is not ready yet. Check the FEMA flood map for the home and get a quote.
What NFIP flood policies cost here
| ZIP | Zone | Home | Middle half, a year | Policies |
|---|---|---|---|---|
| 33446 | Zone X | Condominium unit | $330 to $390 | 386 |
| 33446 | Zone X | Single family | $450 to $540 | 2,311 |
| 33484 | Zone X | Condominium unit | $340 to $380 | 586 |
| 33484 | Zone X | Single family | $440 to $490 | 711 |
| 33445 | Zone X | Condominium unit | $360 to $520 | 216 |
| 33445 | Zone X | Single family | $550 to $760 | 900 |
| 33483 | A zones | Condominium unit | $610 to $1,280 | 337 |
| 33483 | A zones | Single family | $1,440 to $3,160 | 1,325 |
| 33483 | V zones | Condominium unit | $650 to $1,370 | 41 |
| 33483 | Zone X | Condominium unit | $560 to $1,090 | 152 |
| 33483 | Zone X | Single family | $1,030 to $1,390 | 250 |
| 33444 | A zones | Single family | $690 to $890 | 82 |
| 33444 | Zone X | Condominium unit | $400 to $590 | 25 |
| 33444 | Zone X | Single family | $570 to $790 | 468 |
What owners paid a year for National Flood Insurance Program policies, the middle half of each group. Not a quote for any home: the premium follows the building, its elevation and its zone.
Source: FEMA, OpenFEMA NFIP policies (NfipPolicies v3), policies effective 2025-10-02 to 2026-10-02, groups of 25 or more policies.
Look up a home on the FEMA flood map or see Delray Beach by the numbers.
What the numbers actually mean
What is the property tax rate in Delray Beach?
For the 2025 tax year, homes with a Delray Beach address sit in 3 taxing districts: 12983 to 12987, citywide, 18.4500 mills; 88984 to 88987, inside the Downtown Development Authority, 19.4500 mills; Outside the city limits: unincorporated Palm Beach County with a Delray Beach address (the 00 districts with county fire rescue and library), 16.2652 mills. A Delray Beach mailing address is not always the City of Delray Beach: 35,882 of the 64,769 homes with one are in unincorporated Palm Beach County, which levies county fire rescue and library taxes in place of the city's (Palm Beach County Property Appraiser, read 2026-10-08). The first two digits of the parcel control number say which: 00 is unincorporated. On a home bought for $1,000,000 and assessed at that price in the highest of them, the ad valorem tax is about $18,626 a year with the homestead exemptions and $19,450 without, before non ad valorem assessments. Source: Palm Beach County Property Appraiser, read 2026-10-08.
Why will my property tax be higher than the seller’s?
Because the seller’s assessment does not carry over. Florida reassesses a home at its just value on the January 1 after it changes hands (section 193.155(3), Florida Statutes), and the seller’s homestead exemption and Save Our Homes cap end with the sale. Budget from the price, not from last year’s bill.
What does the homestead exemption take off?
If the home is your permanent residence on January 1 and you apply by March 1, the first $25,000 of assessed value is exempt from every levy, and the assessed value between $50,000 and $50,000 plus the indexed second exemption ($25,722 for 2025, per the Florida Department of Revenue) is exempt from every levy except the school levies. The calculator applies both and shows each levy’s taxable value.
What is the Save Our Homes cap?
From the year after a homestead is granted, its assessed value can rise by no more than 3 percent or the change in the consumer price index, whichever is lower (2.9 percent for 2025). It caps the assessment, not the tax: the taxing authorities still set new millage every year. A home that is not a homestead has a 10 percent cap on the county, city and special district levies, and none on the school levies.
Where do the millage rates come from?
From the county property appraisers: the 2025 final rates levy by levy for Palm Beach County cities, checked against the appraiser’s published district totals, and the 2025 total for every Broward millage code. A city can have more than one taxing district; until you pick the parcel’s district the estimate uses the highest one and shows the range.
Why does insurance say quote needed?
Because a Florida homeowners premium depends on the roof, the construction, the age of the home, the wind mitigation features and the distance to the coast, and flood insurance depends on the building’s elevation and its flood zone. A typical figure would be wrong for most homes, so the calculator leaves both blank until you enter your own quotes. In a FEMA A or V zone a federally backed loan requires flood insurance.
Is this my tax bill?
No. It is an estimate from published rates and your inputs. It leaves out the non ad valorem assessments (solid waste, fire and stormwater fees), which vary by parcel, and the appraiser’s value for the home is usually below the price because the law has the appraiser consider the costs of sale. The property appraiser’s notice and the tax collector’s bill are the real figures.
A calculator estimates. A broker underwrites.
Start with an instant public-records snapshot, then get a confidential valuation grounded in closed and off-market comparables, within one business day.