Florida SALT Cap Calculator: Property Tax Only
Enter your MAGI and total state + local taxes below. The estimate applies the OBBBA cap and phase-out line by line — no tax software, no signup.
The short answer: Marisol — at the scenario numbers pre-loaded below, the OBBBA deduction is $0, worth about $0 in federal income tax at a 12% marginal rate ($0 per biweekly paycheck). Exact figures update live as you change the inputs.
⚠️ This calculator provides estimates for informational and educational purposes only. It is not tax advice. Results are based on the One Big Beautiful Bill Act (OBBBA) and IRS Schedule 1-A. Consult a qualified tax professional for your specific situation.
Your State's Slice of the $40,000 Cap
Florida's honest answer: at $9,500 of property tax, the old cap already covered you, so the OBBBA change adds nothing this year — the deduction helps when SALT exceeds $10,000, and yours does not. Homestead caps keep assessed value growth tame, so many Florida owners stay under the line for years. The page's value is showing exactly that boundary, not promising savings that do not exist.
The full rules, caps and phase-outs for every deduction are in one table on the OBBBA rules page.
Worked Example
Marisol pays $9,500 of property tax on her Miami home and zero state income tax.
- • Deductible amount: $0
- • Federal income tax savings: $0 (at the 12% marginal rate)
- • Per biweekly paycheck: $0
Your actual state tax bill sets the input; the cap and phase-out above set the ceiling — the calculator reconciles both.
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Frequently Asked Questions
My Florida property tax is under $10,000 — did OBBBA help me?
No — the deduction only changes for SALT totals above the old $10,000 cap. If your property tax is below $10,000, your SALT deduction is the same as before OBBBA.
Which taxes count toward the SALT deduction?
State and local income taxes (or sales tax if you elect that instead) plus real property taxes, up to the OBBBA cap after any income phase-out. Federal taxes never count.