Apalachicola, Franklin County, Florida Property Taxes
Property Taxes in Apalachicola, Florida
Median Apalachicola, Florida effective property tax rate: 0.74%, significantly lower than the national median of 1.02%, and lower than the Florida state median of 1.10%.
Median Apalachicola, Florida home value: $211,745
Median annual Apalachicola, Florida tax bill: $1,402, $998 lower than the national median property tax bill of $2,400.
How are property taxes in Franklin calculated?
Property taxes in Apalachicola, Florida 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 Apalachicola's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Apalachicola, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Apalachicola, Franklin County, Florida Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.74%
Estimate Property Tax Bill
$1,567
$1,454
How Does the Apalachicola Property Tax Calculator Work?
Use this Apalachicola property tax calculator to estimate your annual property tax bill. Enter your property’s assessed value and our calculator applies Apalachicola’s median effective tax rate of 0.74% — based on actual property records in Franklin County — to generate your estimate.
Enter your property’s estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home’s market value. Our calculator applies Apalachicola’s median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Apalachicola: rates range from 0.74% in 32320 to 0.74% in 32320, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Apalachicola.
About Apalachicola Property Taxes
About Property Taxes in Apalachicola, Franklin, Florida
Apalachicola's median effective property tax rate of 0.74% is lower than the Florida state median of 1.10% and lower than the national median of 1.02%. This rate reflects the Franklin County base levy combined with local school district levies and Municipal Service Benefit Units (MSBUs) that vary by subdivision throughout the city.
Property tax rates are not uniform across Apalachicola. Homeowners in the 32320 ZIP code carry a median effective rate of 0.74%, while those in 32320 pay 0.74%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Franklin County. Understanding which part of Apalachicola you live in can make a meaningful difference to your annual tax bill.
Apalachicola homeowners who believe their assessed value is too high can file a formal appeal with the local Property Appraiser before the September 4, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Apalachicola, Franklin County, Florida
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Apalachicola's effective property tax rate to other cities in Florida and the median property tax rates in Florida and the U.S.
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 Apalachicola Tax Rate
0.74%
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 Franklin County Tax Rate
0.82%
Median Effective Florida Tax Rate
1.10%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Apalachicola, Franklin County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32320 | 0.17% | 0.36% | 0.74% | 1.32% | 1.67% |
| 32329 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Apalachicola, Franklin County, Florida
When examining property taxes in Apalachicola, Florida, 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 Franklin 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 Franklin County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
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 Apalachicola.
For example, the median home price in Apalachicola is $211,745, with tax bills ranging significantly across the county. 32320 has the highest median home price at $212,340.
Property Tax Assessment Values Across Apalachicola, Franklin County, Florida
Source: Ownwell
$82,988
$352,376
$621,764
Median Apalachicola Market Value
$211,745
Median Franklin County Market Value
$282,446
Median Florida Market Value
$310,033
Median United States Market Value
$235,294
Property Tax Assessment Values Across Apalachicola, Franklin County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32320 | $76,430 | $122,400 | $212,340 | $327,065 | $482,331 |
| 32329 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Apalachicola, Franklin County, Florida
Property tax bills in Apalachicola are based on the assessed value of a home, not its market price alone. Local taxing authorities apply tax rates to that assessed value to determine the annual bill, and exemptions can reduce what a homeowner owes. For many owners, the size of the bill depends on both the home’s value and the tax rate set for Franklin County and other local jurisdictions.
With a median home price of $211,745, property taxes can vary widely from one homeowner to another. The 25th percentile tax bill is $538, while the 75th percentile is $3,132 and the 90th percentile reaches $5,419. The median tax bill in ZIP code 32320 is $1,401, which is below the national median property tax bill of $2,400 and below the national median property tax rate of 1.02%.
For homeowners, this means property taxes can be a major part of annual housing costs, especially when assessed values rise.
Median Apalachicola Tax Bill
$1,402
Median Franklin County Tax Bill
$2,305
Median Florida Tax Bill
$3,263
Median United States Tax Bill
$2,400
Property Tax Bills Across Apalachicola, Franklin County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32320 | $218 | $537 | $1,401 | $3,136 | $5,416 |
| 32329 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to petition!
Dates | |
|---|---|
| Appeal Deadline | September 4 |
Links | |
|---|---|
| Franklin Property Appraiser | |
| Website | franklin-search.gsacorp.io |