Gulf Breeze, Santa Rosa County, Florida Property Taxes
Property Taxes in Gulf Breeze, Florida
Median Gulf Breeze, Florida effective property tax rate: 0.86%, lower than the national median of 1.02%, and lower than the Florida state median of 1.10%.
Median Gulf Breeze, Florida home value: $327,431
Median annual Gulf Breeze, Florida tax bill: $2,882, higher than the national median property tax bill of $2,400.
How are property taxes in Santa Rosa calculated?
Property taxes in Gulf Breeze, 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 Gulf Breeze's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Gulf Breeze, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Gulf Breeze, Santa Rosa County, Florida Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.86%
Estimate Property Tax Bill
$2,816
$2,613
How Does the Gulf Breeze Property Tax Calculator Work?
Use this Gulf Breeze property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Gulf Breeze's median effective tax rate of 0.86% — based on actual property records in Santa Rosa 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 Gulf Breeze'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 Gulf Breeze: rates range from $2,789 in 32563 to $3,587 in 32561, primarily due to differences in school district levies and local assessment districts. Gulf Breeze's median property tax bill of $2,882 is lower than the Florida median tax bill by $482 and lower than the national median property tax bill of $2,400?
About Gulf Breeze Property Taxes
About Property Taxes in Gulf Breeze, Santa Rosa, Florida
Gulf Breeze’s median effective property tax rate of 0.86% is lower than the Florida state median of 1.10% and lower than the national median of 1.02%. This rate reflects the Santa Rosa County levy combined with local school district levies and Municipal Service Benefit Units that vary by subdivision throughout the city.
Property tax rates are not uniform across Gulf Breeze. Homeowners in the 32563 ZIP code carry a median effective rate of 0.87%, while those in 32561 pay 0.82%. This spread — 0.05 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Santa Rosa County. Understanding which part of Gulf Breeze you live in can make a meaningful difference to your annual tax bill.
Gulf Breeze homeowners who believe their assessed value is too high can file a formal appeal with the Property Appraiser before the September 15, 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 Gulf Breeze, Santa Rosa 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 Gulf Breeze'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 Gulf Breeze Tax Rate
0.86%
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
0.77%
Median Effective Florida Tax Rate
1.10%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Gulf Breeze, Santa Rosa County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32561 | 0.33% | 0.52% | 0.82% | 1.15% | 1.26% |
| 32563 | 0.41% | 0.59% | 0.87% | 1.22% | 1.36% |
Source: Ownwell
Property Tax Assessment Values Across Gulf Breeze, Santa Rosa County, Florida
When examining property taxes in Gulf Breeze, 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 Santa Rosa County appraisal district 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 August 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. For Gulf Breeze, the median home price is $327,431, and the median tax bill is $2,882, compared with the national median property tax rate of 1.02% and national median property tax bill of $2,400. Zip code 32561 has the highest median home price at $415,962.
Property Tax Assessment Values Across Gulf Breeze, Santa Rosa County, Florida
Source: Ownwell
$25,000
$220,481
$415,962
Median Gulf Breeze Market Value
$327,431
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 Gulf Breeze, Santa Rosa County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32561 | $248,867 | $359,265 | $415,962 | $593,456 | $1,106,391 |
| 32563 | $178,046 | $240,552 | $305,099 | $408,996 | $589,685 |
Source: Ownwell
Property Tax Bills Across Gulf Breeze, Santa Rosa County, Florida
Property tax bills in Gulf Breeze are based on the assessed value of a home, which is then multiplied by the local tax rate set by the county and other taxing authorities. For a home with a median market value of $327,431, the final bill can vary widely depending on location, exemptions, and how the property is assessed.
In this area, the 25th percentile tax bill is $1,677, while the 75th percentile reaches $4,425. At the high end, the 90th percentile tax bill is $6,411, showing how much bills can rise for higher-value or more heavily taxed homes. The median tax bill is $2,789 in ZIP code 32563 and $3,587 in ZIP code 32561, reflecting differences within the city.
For homeowners, these taxes affect annual housing costs and can make a meaningful difference in affordability. Because the bill is tied to assessed value, changes in the market and local tax rates can increase what a homeowner owes each year.
Median Gulf Breeze Tax Bill
$2,882
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 Gulf Breeze, Santa Rosa County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32561 | $1,130 | $2,082 | $3,587 | $5,667 | $9,780 |
| 32563 | $843 | $1,602 | $2,789 | $4,157 | $5,867 |
Source: Ownwell
Don't miss the deadline to petition!
Dates | |
|---|---|
| Appeal Deadline | September 15 |
Links | |
|---|---|
| Santa Rosa Property Appraiser | |
| Website | search.srcpa.gov |