Taxes & Insurance in Kissimmee
Osceola County has held its general-fund millage rate steady for 15 consecutive years, giving Kissimmee property owners real predictability on that line -- but homeowners insurance estimates for Kissimmee vary sharply by source, and a genuine flood-insurance discount specific to Kissimmee takes effect in October 2026.
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Learn moreA stable, long-unchanged county millage rate
Osceola County's General Fund millage rate has held at 6.7 mills for the 15th consecutive year in the recommended fiscal year 2025-2026 budget. The county's total combined millage (county, school, and other levies) runs around 15.23 mills for 2025, with roughly 6.40 mills of that funding schools, per the county's own 2025 millage-rate documentation. On a $350,000 homesteaded home with the standard $50,000 exemption, that works out to roughly $4,730/year (about $394/month), an effective rate near 1.35%.
Homestead exemption and Save Our Homes apply the same as statewide
Florida's 2026 homestead exemption for a primary residence totals $51,411 -- a fixed $25,000 slice applying to all levies plus a second, inflation-adjusted slice ($26,411 for 2026) applying to non-school levies only. Once homesteaded, the Save Our Homes cap limits annual assessed-value increases to the lesser of 3% or CPI -- 2.7% for 2026 -- though this doesn't reduce a new buyer's first-year bill.
Homeowners insurance: a genuinely wide, disclosed range
Estimates for Kissimmee vary sharply by source: one cites $3,264/year (described as above average for Florida but cheaper than the state's coastal areas), another cites $4,759/year, a third cites $1,963/year, and a fourth cites $975-$1,327/year. As an inland city, Kissimmee is spared the highest rates seen on Florida's coasts, but this spread is too wide to collapse into one number -- get multiple property-specific quotes.
A specific Kissimmee flood-insurance discount starts October 2026
Flood insurance in Osceola County runs roughly $400-$1,000/year for moderate-risk properties and $1,500-$5,000/year for higher-risk zones. A specific 25% Community Rating System discount for Kissimmee properties takes effect October 1, 2026 -- at a roughly $1,000/year baseline premium, that discount would bring the cost to about $750/year, per 2026 reporting on the change.
Key takeaways
- Osceola County's General Fund millage has held at 6.7 mills for 15 consecutive years (FY2025-26); total combined millage runs about 15.23 mills for 2025. A $350K homesteaded home with the standard exemption owes roughly $4,730/year (about 1.35% effective).
- The 2026 homestead exemption ($51,411 combined) and Save Our Homes 2.7% cap apply the same as statewide, but not to a new buyer's first-year bill.
- Homeowners insurance estimates for Kissimmee range widely ($1,963-$4,759/year across sources, with a low outlier near $975-$1,327) -- get multiple property-specific quotes; Kissimmee's inland location spares it from Florida's highest coastal rates.
- A 25% Community Rating System flood-insurance discount for Kissimmee properties starts October 1, 2026 -- roughly $1,000/year in flood premium would drop to about $750/year under that discount.
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