Jay, Santa Rosa County, Florida Property Taxes
Property Taxes in Jay, Florida
Median Jay, Florida effective property tax rate: 0.68%, significantly lower than the national median of 1.02%, and lower than the Florida state median of 1.10%.
Median Jay, Florida home value: $152,474
Median annual Jay, Florida tax bill: $977, lower than the national median property tax bill of $2,400.
How are property taxes in Santa Rosa calculated?
Property taxes in Jay, 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 Jay's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Jay, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Jay, Santa Rosa County, Florida Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.68%
Estimate Property Tax Bill
$1,037
$962
How Does the Jay Property Tax Calculator Work?
Use this Jay property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Jay's median effective tax rate of 0.68% — 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 Jay'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 Jay: rates are 0.68% in 32565, with the highest and lowest median tax bill both at $977 in 32565.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Jay.
About Jay Property Taxes
About Property Taxes in Jay, Santa Rosa, Florida
Jay’s median effective property tax rate of 0.68% 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 base 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 Jay. Homeowners in ZIP code 32565 carry a median effective rate of 0.68%, while those in the same ZIP code also pay 0.68%. This reflects how school district boundaries and local assessment districts are drawn across Santa Rosa County. Understanding where you live in Jay can make a meaningful difference to your annual tax bill.
Jay homeowners who believe their assessed value is too high can file a formal appeal with the 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 Jay, 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 Jay'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 Jay Tax Rate
0.68%
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 Jay, Santa Rosa County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32565 | 0.27% | 0.43% | 0.68% | 1.10% | 1.25% |
Source: Ownwell
Property Tax Assessment Values Across Jay, Santa Rosa County, Florida
When examining property taxes in Jay, 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 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. For Jay, the median home price is $152,474, and the median tax bill is $977, well below the national median property tax bill of $2,400. Tax bills range significantly across the county, with the 25th percentile at $512 and the 75th percentile at $1,672.
Property Tax Assessment Values Across Jay, Santa Rosa County, Florida
Source: Ownwell
$25,000
$220,481
$415,962
Median Jay Market Value
$152,474
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 Jay, Santa Rosa County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32565 | $49,120 | $89,890 | $152,474 | $222,962 | $309,210 |
Source: Ownwell
Property Tax Bills Across Jay, Santa Rosa County, Florida
How are property tax bills calculated in Jay, Florida?
Property tax bills in Jay are based on the assessed value of a home, not the market value alone. Local tax rates, known as millage rates, are then applied to that assessed value to determine the final bill. For homeowners, this means the amount owed can change if the assessed value changes or if local taxing authorities adjust their rates.
What factors affect the bill in Jay?
The main factors are the home’s assessed value, exemptions, and the combined rates set by local governments and other taxing districts in Santa Rosa County. A home with a median price of $152,474 may still have a very different tax bill depending on those details. In Jay, property tax bills are often lower than the national median property tax bill of $2,400, with many homeowners seeing bills between $512 and $1,672. The highest and lowest median tax bill reported is $977.00 in ZIP code 32565.
Median Jay Tax Bill
$977
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 Jay, Santa Rosa County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32565 | $229 | $512 | $977 | $1,672 | $2,474 |
Source: Ownwell
Don't miss the deadline to petition!
Dates | |
|---|---|
| Appeal Deadline | September 15 |
Links | |
|---|---|
| Santa Rosa Property Appraiser | |
| Website | search.srcpa.gov |