Holt, Okaloosa County, Florida Property Taxes

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Property Taxes in Holt, Florida

Median Holt, Florida effective property tax rate: 0.52%, significantly lower than the national median of 1.02%, and lower than the Florida state median of 1.10%.
Median Holt, Florida home value: $131,592
Median annual Holt, Florida tax bill: $695, lower than the national median property tax bill of $2,400.

How are property taxes in Okaloosa calculated?

Property taxes in Holt, 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 Holt's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Holt, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Holt, Okaloosa County, Florida Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.52%

Estimate Property Tax Bill

$684

$635

How Does the Holt Property Tax Calculator Work?

Use this Holt property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Holt's median effective tax rate of 0.52% — based on actual property records in Okaloosa County — to generate your estimate.

Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Holt'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 Holt: rates are 0.52% in 32564, primarily due to differences in local levies and assessment districts. Holt's median effective tax rate is lower than Florida's 1.10% state median, and the median tax bill of $695 is $1,705 below the state median.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Holt.

About Holt Property Taxes

About Property Taxes in Holt, Okaloosa, Florida

Holt’s median effective property tax rate of 0.52% is lower than the Florida state median of 1.10% and lower than the national median of 1.02%. This rate reflects the Okaloosa 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 Holt. Homeowners in the 32564 ZIP code carry a median effective rate of 0.52%, while those in the same ZIP code also pay 0.52%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Okaloosa County. Understanding which part of Holt you live in can make a meaningful difference to your annual tax bill.

Holt homeowners who believe their assessed value is too high can file a formal appeal with the local Property Appraiser before September 15, 2026.

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 Holt, Okaloosa 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 Holt's effective property tax rate to other cities in Florida and the median property tax rates in Florida and the U.S.

Property Tax Rates Across Holt, Okaloosa County, Florida

Source: Ownwell

0.52%

0.81%

1.09%

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 Holt Tax Rate

0.52%

Median Effective Okaloosa County Tax Rate

0.90%

Median Effective Florida Tax Rate

1.10%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Holt, Okaloosa County, Florida

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
32564	0.23%	0.36%	0.52%	0.93%	1.02%

Source: Ownwell

Property Tax Assessment Values Across Holt, Okaloosa County, Florida

When examining property taxes in Holt, 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 Okaloosa County property tax authority 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 Okaloosa County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.

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. For example, the median home price in Holt is $131,592, with tax bills ranging significantly across the county. Zip code 32564 has the highest median home price at $131,592.

Property Tax Assessment Values Across Holt, Okaloosa County, Florida

Source: Ownwell

$131,592

$319,784

$507,975

Median Holt Market Value

$131,592

Median Okaloosa County Market Value

$281,512

Median Florida Market Value

$310,033

Median United States Market Value

$235,294

Property Tax Assessment Values Across Holt, Okaloosa County, Florida

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
32564	$39,739	$77,646	$131,592	$204,659	$305,523

Source: Ownwell

Property Tax Bills Across Holt, Okaloosa County, Florida

Property tax bills in Holt are based on the assessed value of a home, not its market price alone. Local tax rates are applied to that assessed value to determine what a homeowner owes each year. For a home with a median home price of $131,592, the final bill can vary depending on exemptions, local levies, and how the property is classified for tax purposes.

What a homeowner pays is shaped by the county’s tax structure and the value assigned to the property by the assessor. In Holt, the median property tax bill is $695, with the same median bill reported in ZIP code 32564. That is well below the national median property tax bill of $2,400 and also below the national median property tax rate of 1.02%.

Higher assessed values usually mean higher tax bills, which can affect monthly budgeting and long-term housing costs. Even small changes in assessment can make a noticeable difference, especially for homeowners near the upper end of the local range, where bills reach $1,828.

Property Tax Bills Across Holt, Okaloosa County, Florida

Source: Ownwell

$695

$2,699

$4,703

Median Holt Tax Bill

$695

Median Okaloosa County Tax Bill

$2,331

Median Florida Tax Bill

$3,263

Median United States Tax Bill

$2,400

Property Tax Bills Across Holt, Okaloosa County, Florida

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
32564	$169	$366	$695	$1,200	$1,828

Source: Ownwell

Don't miss the deadline to petition!

Dates
Property Valuation Date	January 1
Appeal Deadline	September 15
Tax Bill
Issued	November 1

Links
Okaloosa Property Appraiser
Website	qpublic.schneidercorp.com

Frequently Asked Property Tax Questions in Holt, Florida

How are property taxes calculated in Holt, Florida?

Property taxes in Holt, Florida are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Holt, Florida?

To appeal your property taxes in Holt, Florida, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Holt, Florida?

Common property tax exemptions in Holt, Florida include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Holt, Florida?

Property tax deadlines in Holt, Florida vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Holt, Florida?

Ownwell provides professional property tax appeal services in Holt, Florida. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.