Taxes in Melbourne, Florida
Complete tax guide for Melbourne, FL. No state income tax, 0.86% property tax, 6.18% sales tax. Calculate your total tax burden.
State Income Tax
None
Florida
Property Tax
0.86%
Effective rate
Sales Tax
6.18%
Combined rate
Tax Burden
Low
Melbourne, FL Tax Overview
No state income tax; higher property taxes and sales tax offset
Population
85,285
Median Income
$48,000
Cost of Living
98.5 (100 = avg)
State Income Tax
None
Median Home Price
$295,000
Melbourne Tax Calculator
Pre-filled with Melbourne median: $48,000
Total Tax Burden in Melbourne
$7,394
Take-Home: $40,607 · Effective Rate: 15.40%
Federal Tax
$3,722
7.75% eff.
FL State
$0
0.00% eff.
FICA
$3,672
7.65% eff.
Take-Home
$40,607
84.60% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $48,000.00 | $4,000.00 |
| Federal Income Tax | -$3,721.50 | -$310.13 |
| Florida State Tax | $0.00 | $0.00 |
| Social Security (6.2%) | -$2,976.00 | -$248.00 |
| Medicare (1.45%) | -$696.00 | -$58.00 |
| Take-Home Pay | $40,606.50 | $3,383.88 |
Property Tax in Melbourne
Median Home
$295,000
Annual Tax
$2,537
Monthly Tax
$211
Effective Rate
0.86%
Sales Tax in Melbourne
Combined Rate
6.18%
State Portion
~3.7%
Local Portion
~2.5%
The combined sales tax rate in Melbourne is 6.18%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.18 in sales tax.
Tax Burden Comparison
| Tax Type | Melbourne | Florida Avg | National Avg |
|---|---|---|---|
| Income Tax | None | None | 4.6% |
| Property Tax | 0.86% | ~0.86% | 1.1% |
| Sales Tax | 6.18% | ~6.18% | 7.12% |
| Overall Burden | Low | — | Moderate |
Tax Saving Tips for Melbourne Residents
- Florida has no state income tax, meaning your income is only subject to federal taxes and FICA. Consider investing your tax savings into a Roth IRA for tax-free growth.
- Property tax in Melbourne (0.86%) is below the national average of 1.1%. This makes homeownership more affordable here relative to property tax burden.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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Very LowCalculate Your Full Florida Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Melbourne, FL?
Melbourne, Florida has no state income tax. The property tax rate is 0.86% and the combined sales tax rate is 6.18%. No state income tax; higher property taxes and sales tax offset
How much is property tax in Melbourne?
The effective property tax rate in Melbourne is 0.86%. On the median home price of $295,000, this equals approximately $2,537 per year or $211 per month. This is below the national average of 1.1%.
What is the sales tax rate in Melbourne?
The combined sales tax rate in Melbourne is 6.18%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does Melbourne's tax burden compare to other cities?
Melbourne has a low overall tax burden. The effective total tax rate for a median-income household is approximately 22.3%. The absence of state income tax significantly reduces the overall burden. Cost of living index is 98.5 (100 = national average).
Are there any local taxes in Melbourne?
Melbourne does not impose a separate local or city income tax. Residents pay no state income tax, federal income tax, and FICA (Social Security and Medicare). No state income tax; higher property taxes and sales tax offset