Okaloosa County, FL property tax
Census ACS 2023 5-year estimates · updated 2026-09-20
The median effective property tax rate in Okaloosa County is 0.60%, below the Florida median of 0.79% and below the national median of 0.98%. The median homeowner pays $1,948 a year on a home worth $324,800.
- Effective rate
- 0.60%
- Median annual bill
- $1,948
- Median home value
- $324,800
- Rank in Florida
- 55of 67
Median annual bill divided by median home value, Census ACS 2023 5-year estimates.
Estimated annual bill by home value
| Home value | Estimated bill | Per month |
|---|---|---|
| $200,000 | $1,200 | $100 |
| $300,000 | $1,800 | $150 |
| $400,000 | $2,400 | $200 |
| $500,000 | $3,000 | $250 |
| $750,000 | $4,500 | $375 |
| $1,000,000 | $6,000 | $500 |
Okaloosa County millage rates, 2025
For 2025, the county-wide millage in Okaloosa County is 9.2285 mills: 3.8308 for county government operations and 5.3770 for school board operations, plus the other county-wide levies below. One mill is $1 per $1,000 of taxable value, so $100,000 of taxable value owes $923 in county-wide taxes before any city or district levy. In 2024 the county-wide millage was 9.2316.
| Levy | 2025 mills | 2024 mills |
|---|---|---|
| County government operating | 3.8308 | 3.8308 |
| School board operating | 5.3770 | 5.3790 |
| County-wide independent special districts | 0.0207 | 0.0218 |
| County-wide total | 9.2285 | 9.2316 |
Millage rates by city in Okaloosa County
| City | City millage 2025 | City millage 2024 | County-wide plus city | Per $100,000 taxable |
|---|---|---|---|---|
| Crestview | 6.6466 | 6.7466 | 15.8751 | $1,588 |
| Valparaiso | 5.6504 | 5.6504 | 14.8789 | $1,488 |
| Mary Esther | 5.0261 | 5.0261 | 14.2546 | $1,425 |
| Niceville | 4.5000 | 4.0000 | 13.7285 | $1,373 |
| Fort Walton Beach | 4.3282 | 4.3282 | 13.5567 | $1,356 |
| Laurel Hill | 3.5000 | 3.5000 | 12.7285 | $1,273 |
| Cinco Bayou | 3.0000 | 3.0000 | 12.2285 | $1,223 |
| Shalimar | 2.2000 | 2.0000 | 11.4285 | $1,143 |
| Destin | 1.6150 | 1.6150 | 10.8435 | $1,084 |
Property tax rates by city in Okaloosa County
Among the 7 places listed, Crestview city has the highest median effective rate at 0.69% and Lake Lorraine CDP the lowest at 0.57%, against 0.60% for the county as a whole.
| Place | Effective rate | Median bill | Median home value | Population |
|---|---|---|---|---|
| Crestview city | 0.69% | $1,828 | $266,500 | 28,046 |
| Wright CDP | 0.59% | $1,607 | $270,700 | 27,233 |
| Fort Walton Beach city | 0.59% | $1,760 | $296,000 | 20,956 |
| Niceville city | 0.67% | $2,552 | $381,700 | 16,043 |
| Destin city | 0.64% | $2,896 | $455,100 | 14,018 |
| Lake Lorraine CDP | 0.57% | $2,345 | $411,900 | 7,210 |
| Ocean City CDP | 0.69% | $2,255 | $325,600 | 6,480 |
Okaloosa County compared with Florida and the US
| Area | Effective rate | Median bill | Median home value |
|---|---|---|---|
| Okaloosa County | 0.60% | $1,948 | $324,800 |
| Florida median | 0.79% | $2,555 | $325,000 |
| United States median | 0.98% | $2,969 | n/a |
Okaloosa County compared with neighboring counties
Okaloosa County borders 4 counties. Ranked from lowest to highest median effective rate, it places 5 of 5, the highest in its area.
| County | Effective rate | Median bill | Median home value |
|---|---|---|---|
| Covington County, AL | 0.25% | $358 | $142,500 |
| Escambia County, AL | 0.40% | $485 | $122,700 |
| Walton County | 0.45% | $1,709 | $376,400 |
| Santa Rosa County | 0.60% | $1,809 | $302,100 |
| Okaloosa County | 0.60% | $1,948 | $324,800 |
Florida statewide: Homestead exemption of up to $50,000: the first $25,000 applies to all levies including schools, and an additional exemption of up to $25,000 applies to assessed value above $50,000 for non-school levies. Apply to the county property appraiser by March 1.
Due dates and payment
Florida statewide: bills mailed November 1; 4% discount in November declining to 0% in March; delinquent April 1. Confirm the local schedule with the Okaloosa County tax office.
Appealing your assessment
25 days from the mailing of the TRIM notice in August. Bring recent sales of comparable homes, photos of condition issues, and any error in the record such as square footage or lot size. How to appeal, step by step.
How Florida assesses value
Just (market) value set January 1 by the county property appraiser, less exemptions. Full Florida rules, exemptions and deadlines.
Rates and medians: U.S. Census Bureau, ACS 2023 5-year estimates, tables B25103 and B25077. Effective rate is median taxes paid divided by median owner-occupied home value. Places: Census place by county reference file. Florida millage: Florida Department of Revenue, property tax data portal, data book 2025 and 2024. Neighbors: Census county adjacency file. Rules: Florida Department of Revenue, Property Tax Exemptions and Save Our Homes.
Frequently asked questions
What is the property tax rate in Okaloosa County, FL?
The median effective property tax rate in Okaloosa County is 0.60% of home value, below the Florida median of 0.79% and below the national median of 0.98%. The median homeowner pays $1,948 a year on a median home value of $324,800 (Census ACS 2023 5-year).
How much is property tax on a $400,000 house in Okaloosa County?
About $2,400 per year at the county's median effective rate of 0.60%, before exemptions. The exact bill depends on the city, school district and special districts that serve the parcel, so treat this as a planning estimate.
When are property taxes due in Okaloosa County?
Florida statewide: bills mailed November 1; 4% discount in November declining to 0% in March; delinquent April 1. Check the Okaloosa County tax office for the exact local dates.
How do I appeal a property tax assessment in Okaloosa County?
25 days from the mailing of the TRIM notice in August. Full Florida rules are on the Florida page.
How does Okaloosa County compare with the rest of Florida?
Okaloosa County ranks 55 of 67 Florida counties by effective rate. The Florida median is 0.79% and the median bill is $2,555.