Taxes & Insurance in Davenport
Davenport's tax and insurance picture carries real, disclosed uncertainty -- Polk County sources disagree by nearly 2x on the effective property-tax rate, and resort-community HOA/CDD fees add a cost layer the county-level figures don't capture.
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Learn moreProperty taxes
Polk County's FY2025-26 total millage runs about 16.19 mills (a 6.6348-mill countywide rate plus municipal/school/MSTU components), per Polk County government's approved rates. The effective property-tax rate as a percentage of home value is genuinely disputed: sources cite 0.73% (a median-homeowner-paid figure on a $266,500 home), 1.19% (described as a county median effective rate), and 1.43% (derived from the 16.19-mill total rate with only the standard $50,000 homestead exemption applied) -- a near-2x spread depending on assumptions about exemptions and assessed-versus-market value. This is disclosed as an open range rather than resolved to one number.
Homeowners insurance
Polk County homeowners insurance estimates range from about $2,400-$3,600/yr (general Polk County estimate) to just over $4,200/yr (pegged specifically to a $300,000 dwelling) -- both single/blog-level sources rather than rate-filing data, kept here as a disclosed range. Polk is repeatedly described as sitting near the low end of Florida's homeowners-insurance costs specifically because it's inland rather than coastal.
Resort-community HOA and CDD assessments
Gated vacation-home communities in the Davenport area typically layer HOA dues and, in many cases, a CDD assessment on top of the county-level property tax and insurance figures above. These fees vary significantly by specific community and were not independently verified for Davenport this research pass -- request the current, address-specific fee schedule before budgeting for any particular property.
Key takeaways
- Polk County's 2025 total millage runs about 16.19 mills; the effective property-tax rate is disputed across sources by nearly 2x (0.73% to 1.43%) -- treat any single figure with real skepticism.
- Homeowners insurance runs roughly $2,400-$4,200/yr; Polk County is comparatively favorable for Florida because it is inland, not coastal.
- Resort communities typically add HOA and often CDD assessments on top of county taxes and insurance -- get the specific fee schedule per address rather than assuming county averages cover total carrying costs.
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