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FIPS: 12099•Rank #27 National•Rank #5 in FL
Palm Beach County, FL
Forward-Looking Municipal Debt, Assessment Lag & Carrying Cost Audit
Elevated Tax Drift Risk
96% Conf.
Tax Drift Index
63.3/ 100
Elevated Drift Risk
Palm Beach County Executive Risk Briefing
MSRB EMMA Disclosures & US Census BureauAugust 2026
Palm Beach County carries a Elevated Tax Drift Score (63.3/100) based on $7,200 in overlapping municipal debt per capita and a +24.5% CAD assessment lag spread. Projected 3-year millage escalation of +0.14% (+14 bps) indicates an estimated +$1,831/yr escrow adjustment on median-priced properties.
Median Home: $530,000Median Income: $79,000Effective Tax: 1.1%
Municipal Debt Per Capita
$7,200
9.1% of Median Income
CAD Valuation Lag
+24.5%
Assessed Value trailing Market HPI
3-Yr Millage Escalation
+14 bps
Effective Rate: 1.1% → 1.3%
Projected Annual Escrow Shock
+$1,831/yr
Estimated on median assessed home
Interactive Property Tax & Escrow Shock Simulator
Model forward-looking ad valorem tax obligations and monthly escrow adjustments for a specific parcel in Palm Beach County, FL.
$530,000
$0
Current Annual Tax
$5,936
@ 1.12% eff. rate
Year 3 Projected Tax
$7,767
@ 1.26% eff. rate
Net Escrow Increase
+$1,831/yr
+$153/mo mortgage escrow
Projected Shock Attribution Breakdown+14 bps rate shift
1. Muni Bond Debt Service
+7 bps
I&S bond amortization
2. Operating Deficit Drift
+8 bps
M&O budget expansion
3. CAD Valuation Catch-up
+$945/yr
+$84,403 assessed base
Overlapping Taxing Jurisdictions & Debt Obligations
Breakdown of autonomous debt issuers assessing ad valorem property taxes on parcels within Palm Beach County.
| Entity Name | Entity Type | Outstanding Bond Debt | Debt / Student or Cap | Adopted Millage |
|---|---|---|---|---|
| School District of Palm Beach County | ISD | $1.6B | $8,900 | 0.628% |
5-Year Historical Drift Score & Effective Rate Trajectory
2022
56
1.1% eff.
2023
58
1.1% eff.
2024
60
1.1% eff.
2025
62
1.1% eff.
2026
63.3
1.1% eff.
Statutory Constraint & Legislative Policy
Luxury coastal real estate assessment resets offset baseline millages, but suburban school bonds push debt service upward.
Data Provenance & Audit Citations