If you're struggling to pay your property taxes in Florida, you're not alone. Missing a payment can lead to penalties, interest, and even tax deed sales. Fortunately, Florida law allows taxpayers to set up payment plans to avoid these consequences. By understanding the process and your options, you can protect your home and get back on track
Based on federal consumer protection law and HUD/CFPB public guidance · Last reviewed July 2026
The Direct Answer
To get a property tax payment plan in Florida, contact your county tax collector's office to discuss your options. They will review your account and help you set up a plan that works for you.
Before reaching out, gather your account information, including your tax bill and any payment history, to expedite the process. Be prepared to provide financial information to support your request for a payment plan.
Do not ignore your property tax bills, as this can lead to additional penalties and interest, making it harder to pay off your debt
How Payment Plans Work
Eligibility and Application
In Florida, property tax payment plans are typically available for taxpayers who are experiencing financial hardship. To be eligible, you'll need to provide documentation of your income, expenses, and other financial information. Your county tax collector's office will review your application and determine the terms of your payment plan, including the payment amount and duration.
Consequences of Non-Payment
Penalties and Interest
If you fail to pay your property taxes, you'll be subject to penalties and interest on your unpaid balance. In Florida, the penalty for late payment is 1.5% per month, and interest accrues at a rate of 1% per month. Additionally, if you're delinquent on your taxes for three years, your property may be sold at a tax deed sale.
Non-Debt Options
Exemptions and Deferrals
Depending on your situation, you may be eligible for property tax exemptions or deferrals. For example, Florida offers exemptions for homesteaded properties, senior citizens, and disabled veterans. You may also be able to defer your tax payments if you're experiencing financial hardship due to circumstances like illness or unemployment.
Working with Your Tax Collector
Communication is Key
When setting up a payment plan, it's essential to maintain open communication with your county tax collector's office. Be sure to respond promptly to their requests for information and make your payments on time to avoid defaulting on your plan. If you're having trouble making payments, don't hesitate to reach out to your tax collector to discuss possible alternatives.
Get Help with Your Property Taxes
If you're struggling to pay your property taxes, don't wait until it's too late. Reach out to your county tax collector's office today to discuss your options and set up a payment plan that works for you.
What happens if I miss a payment on my payment plan?
If you miss a payment, you may be subject to penalties and interest, and your payment plan may be cancelled. It's essential to communicate with your tax collector's office if you're having trouble making payments to avoid defaulting on your plan.
Can I set up a payment plan online?
It's best to contact your county tax collector's office directly to discuss your options and set up a payment plan. While some tax collector's offices may offer online payment options, they may not offer online payment plans.
How long can I extend my payment plan?
The length of your payment plan will depend on your individual circumstances and the policies of your county tax collector's office. Typically, payment plans can be extended for several months or even years, but this will depend on your specific situation.
Will setting up a payment plan affect my credit score?
Setting up a payment plan with your county tax collector's office should not directly affect your credit score. However, if you're delinquent on your taxes and a lien is placed on your property, this can negatively impact your credit score.