Navarre, Santa Rosa County, Florida Property Taxes
Property Taxes in Navarre, Florida
Median Navarre, Florida effective property tax rate: 0.78%, significantly lower than the national median of 1.02%, and lower than the Florida state median of 1.10%.
Median Navarre, Florida home value: $308,170
Median annual Navarre, Florida tax bill: $2,459, $59 higher than the national median property tax bill of $2,400.
How are property taxes in Santa Rosa calculated?
Property taxes in Navarre, 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 Navarre's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Navarre, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Navarre, Santa Rosa County, Florida Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.78%
Estimate Property Tax Bill
$2,404
$2,231
How Does the Navarre Property Tax Calculator Work?
Use this Navarre property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Navarre's median effective tax rate of 0.78% — 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 Navarre'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 Navarre: rates range from 0.78% in 32566 to 0.78% in 32566, 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 Navarre.
About Navarre Property Taxes
About Property Taxes in Navarre, Santa Rosa, Florida
Navarre’s median effective property tax rate of 0.78% 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 and local taxing authorities that affect assessed values across the area.
Property tax rates are not uniform across Navarre. Homeowners in ZIP code 32566 carry a median effective rate of 0.78%, while those in the same ZIP code also pay 0.78%. That means there is no spread across the city based on the data provided, but your assessed value and local taxing jurisdictions still affect your bill.
Navarre 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 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 Navarre, 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 Navarre'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 Navarre Tax Rate
0.78%
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 Navarre, Santa Rosa County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32566 | 0.34% | 0.57% | 0.78% | 1.09% | 1.18% |
Source: Ownwell
Property Tax Assessment Values Across Navarre, Santa Rosa County, Florida
When examining property taxes in Navarre, 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. 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 Navarre.
For example, the median home price in Navarre is $308,170, with tax bills ranging significantly across the county. 32566 has the highest median home price at $308,170.
Property Tax Assessment Values Across Navarre, Santa Rosa County, Florida
Source: Ownwell
$25,000
$220,481
$415,962
Median Navarre Market Value
$308,170
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 Navarre, Santa Rosa County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32566 | $185,349 | $245,069 | $308,170 | $399,890 | $581,300 |
Source: Ownwell
Property Tax Bills Across Navarre, Santa Rosa County, Florida
Property tax bills in Navarre are based on the assessed value of a home, not its market price alone. Local taxing authorities apply their tax rates to that assessed value to determine the annual bill, and the amount can vary depending on exemptions and other local factors.
With a median home price of $308,170, homeowners in Navarre can see very different tax bills from one property to another. The 25th percentile tax bill is $1,410, while the 75th percentile is $3,496 and the 90th percentile is $5,184. The median tax bill in the area is $2,459, which is slightly above the national median property tax bill of $2,400.
For homeowners, this means property taxes can have a meaningful impact on yearly housing costs. A higher assessed value or fewer exemptions can lead to a larger bill, while a lower assessment may reduce what is owed.
Median Navarre Tax Bill
$2,459
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 Navarre, Santa Rosa County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32566 | $554 | $1,410 | $2,459 | $3,496 | $5,184 |
Source: Ownwell
Don't miss the deadline to petition!
Dates | |
|---|---|
| Appeal Deadline | September 15 |
Links | |
|---|---|
| Santa Rosa Property Appraiser | |
| Website | search.srcpa.gov |