Santa Rosa County, Florida Property Taxes
Property Taxes in Santa Rosa County, Florida
Median Santa Rosa County effective property tax rate: 0.77%, significantly lower than the national median of 1.02%.
Median Santa Rosa County home value: $247,736
Median annual Santa Rosa County tax bill: $1,869, $531 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.
Why is the assessed value important? Because it is the amount used to calculate the property tax bill, and it can differ from market value.
Are property taxes in Santa Rosa County lower than the national median? Yes, the county’s effective property tax rate is 0.77%, below the national median of 1.02%.
Can exemptions reduce your property taxes? Yes, exemptions can lower the assessed value and help reduce what homeowners pay.
Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Santa Rosa County or another part of Santa Rosa County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Santa Rosa County, Florida Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.77%
Estimate Property Tax Bill
$1,908
$1,770
How Does the Santa Rosa County Property Tax Calculator Work?
Use this Santa Rosa County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Santa Rosa County's median effective tax rate of 0.77% to generate your estimate.
Enter your property's estimated assessed value — the figure the appraisal district assigns for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Santa Rosa County's median tax rate is lower than the Florida median tax rate of 1.10%, while the median property tax bill of $1,869 is $531 lower than the state median bill.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Santa Rosa County.
Property Tax Rates Across Santa Rosa County, Florida
What Are Effective Property Tax Rates Across Santa Rosa County?
Local government entities set tax rates, which vary widely across Santa Rosa County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Santa Rosa County's effective property tax rate to other counties in Florida or the U.S. median of 1.02%.
Santa Rosa County's median effective rate stands at 0.77%, which is lower than the national median of 1.02%. Within Santa Rosa County, the highest rate is found in PACE at 1.09%, while BAKER has the lowest at 0.49%.
These variations reflect differences in local school district levies, Municipal Service Benefit Units (MSBUs) assessments, and special district bonds — which compound the base county rate.
Our median effective property tax rate (tax bill Ă· 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
0.77%
Our median effective property tax rate (tax bill Ă· 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 Florida Tax Rate
1.10%
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 | 0.30% | 0.40% | 0.49% | 0.73% | 0.97% |
| Gulf Breeze | 0.39% | 0.58% | 0.86% | 1.21% | 1.34% |
| Holt | 0.23% | 0.36% | 0.59% | 1.04% | 1.24% |
| Jay | 0.27% | 0.43% | 0.68% | 1.10% | 1.25% |
| Milton | 0.31% | 0.49% | 0.74% | 1.11% | 1.26% |
| Navarre | 0.34% | 0.57% | 0.78% | 1.09% | 1.18% |
| Pace | 0.27% | 0.79% | 1.09% | 1.28% | 1.31% |
| 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 August.
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 $1,869, below the national median property tax bill of $2,400, with tax bills ranging significantly across the county. Gulf Breeze has the highest median home price at $327,431.
Property Tax Assessment Values Across Santa Rosa County, Florida
Source: Ownwell
$25,000
$220,481
$415,962
Median Santa Rosa County Market Value
$247,736
Median Florida Market Value
$310,033
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 | $92,101 | $102,566 | $181,415 | $220,066 | $271,524 |
| Gulf Breeze | $190,374 | $246,730 | $327,431 | $439,493 | $651,020 |
| Holt | $52,761 | $76,251 | $112,488 | $174,581 | $264,946 |
| Jay | $49,120 | $89,890 | $152,474 | $222,962 | $309,210 |
| Milton | $67,785 | $134,298 | $201,700 | $269,159 | $357,587 |
| Navarre | $185,349 | $245,069 | $308,170 | $399,890 | $581,300 |
| Pace | $25,000 | $25,000 | $25,000 | $89,396 | $175,756 |
| Bagdad | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Santa Rosa County, Florida
Property tax bills in Santa Rosa County are calculated by applying the local tax rate to a home’s assessed value, which is based on the property’s market value. That means the bill depends on both what the home is worth and how local taxing authorities set rates for schools, county services, and other public needs. For a county with a median home price of $247,736, the amount a homeowner pays can vary widely depending on location, exemptions, and whether the assessed value is kept in line with market conditions.
The typical tax burden in Santa Rosa County ranges from $927 at the 25th percentile to $3,046 at the 75th percentile, with the 90th percentile reaching $4,436. That spread shows how much property taxes can differ from one homeowner to another. Higher assessed values usually mean higher bills, while exemptions can reduce what is owed. For homeowners, this affects monthly housing costs and long-term affordability, especially when local tax bills rise faster than expected.
Median Santa Rosa County Tax Bill
$1,869
Median Florida Tax Bill
$3,263
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 | $415 | $641 | $881 | $1,176 | $1,639 |
| Gulf Breeze | $888 | $1,677 | $2,882 | $4,425 | $6,411 |
| Holt | $192 | $349 | $678 | $1,247 | $2,079 |
| Jay | $229 | $512 | $977 | $1,672 | $2,474 |
| Milton | $368 | $695 | $1,441 | $2,401 | $3,338 |
| Navarre | $554 | $1,410 | $2,459 | $3,496 | $5,184 |
| Pace | $300 | $551 | $982 | $1,951 | $2,399 |
| Bagdad | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to petition!
Dates | |
|---|---|
| Appeal Deadline | September 15 |
Links | |
|---|---|
| Santa Rosa Property Appraiser | |
| Website | search.srcpa.gov |