Santa Rosa County, Florida Property Taxes

Name: Property Tax Bills Across Santa Rosa County, Florida
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Santa Rosa County effective property tax rate: 0.80%, significantly lower than the national median of 1.02%.
Median Santa Rosa County home value: $224,182
Median annual Santa Rosa County tax bill: $1,730, $670 lower than the national median property tax bill of $2,400.

How are property taxes in Santa Rosa County calculated?

Property taxes in Santa Rosa County are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Milton or another part of Santa Rosa County, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Santa Rosa County, Florida Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.8%

Estimate Property Tax Bill

$1,793

$1,664

Ownwell’s Santa Rosa County Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Santa Rosa County with just two data points.

By entering your property's estimated assessed value, our calculator applies Santa Rosa County’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a more precise calculation for your property tax obligations.

This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Santa Rosa County.

For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Santa Rosa County, Florida

Local government entities determine property tax rates, which can differ significantly even within the same state. Each year, counties calculate their required budget to fund essential services and divide this amount by the total value of all taxable property within their borders. This calculation establishes the property tax rate. Though votes and legislation play a role in setting these rates and budgets, this is the fundamental process undertaken annually.

In Santa Rosa County, the effective property tax rate is 0.80%, which is below the national median of 1.02%. Nearby cities like Pace have a higher median tax rate of 1.27%, while Baker enjoys a lower rate of 0.55%. Comparing these rates highlights the variability within Florida and against the U.S. median. Understanding these differences can help homeowners make informed decisions about property investments and tax appeals. By staying informed, property owners can better navigate the complexities of the tax system and potentially reduce their tax burden.

Property Tax Rates Across Santa Rosa County, Florida

Source: Ownwell

0.55%

0.91%

1.27%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Santa Rosa County Tax Rate

0.80%

Median Effective Florida Tax Rate

1.14%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Santa Rosa County, Florida

City	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
Baker	0.36%	0.49%	0.55%	0.82%	1.16%
Gulf Breeze	0.44%	0.62%	0.88%	1.25%	1.38%
Holt	0.34%	0.42%	0.56%	1.13%	1.36%
Jay	0.37%	0.49%	0.70%	1.19%	1.36%
Milton	0.38%	0.53%	0.76%	1.16%	1.29%
Navarre	0.47%	0.62%	0.81%	1.15%	1.22%
Pace	0.38%	1.10%	1.27%	1.29%	1.32%
Bagdad	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Assessment Values Across Santa Rosa County, Florida

When examining property taxes in Santa Rosa County, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Santa Rosa County Property Appraiser estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill. Assessment notices: In Santa Rosa County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Santa Rosa County. For example, the median tax bill in Santa Rosa County is $2,591, with tax bills ranging significantly across the county. Gulf Breeze has the highest median home price at $295,628.

Property Tax Assessment Values Across Santa Rosa County, Florida

Source: Ownwell

$71,449

$226,869

$382,289

Median Santa Rosa County Market Value

$224,182

Median Florida Market Value

$276,648

Median United States Market Value

$235,294

Property Tax Assessment Values Across Santa Rosa County, Florida

City	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
Baker	$66,487	$81,866	$134,378	$203,839	$252,165
Gulf Breeze	$147,545	$215,052	$295,628	$399,176	$580,389
Holt	$44,479	$59,796	$95,245	$157,218	$231,271
Jay	$37,465	$72,877	$129,196	$198,983	$283,411
Milton	$58,062	$117,242	$181,076	$247,086	$326,292
Navarre	$150,915	$218,330	$277,965	$360,000	$497,700
Pace	$11,264	$16,780	$74,026	$136,143	$164,866
Bagdad	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across Santa Rosa County, Florida

In Santa Rosa County, FL, property tax bills are determined by assessing the property's market value and applying the local tax rate. The median home price in this area is $224,182, which helps set the baseline for tax calculations. Homeowners in Santa Rosa County experience a range of tax bills depending on their property's assessed value. The 25th percentile of tax bills is $871, while the 75th percentile reaches $2,801. At the 90th percentile, tax bills can rise to $4,093, indicating significant variability based on property value and location. The highest median tax bill within the county is found in Gulf Breeze, at $2,591, while Holt has the lowest median tax bill at $615. Compared to the national median property tax rate of 1.02% and a median tax bill of $2,400, Santa Rosa County presents a diverse landscape for property taxes. These taxes impact homeowners by influencing monthly mortgage payments and overall housing affordability.

Property Tax Bills Across Santa Rosa County, Florida

Source: Ownwell

$615

$2,005

$3,394

Median Santa Rosa County Tax Bill

$1,730

Median Florida Tax Bill

$2,953

Median United States Tax Bill

$2,400

Property Tax Bills Across Santa Rosa County, Florida

City	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
Baker	$377	$521	$724	$1,158	$1,818
Gulf Breeze	$785	$1,499	$2,591	$4,033	$5,939
Holt	$205	$356	$615	$1,154	$1,938
Jay	$227	$492	$905	$1,518	$2,317
Milton	$353	$643	$1,320	$2,192	$3,094
Navarre	$646	$1,381	$2,291	$3,239	$4,761
Pace	$153	$442	$908	$1,625	$2,173
Bagdad	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Find your City