What is the property tax discount in Santa Rosa County, Florida?

Santa Rosa County property owners get 4% off for paying in November, 3% in December, 2% in January and 1% in February, under Florida Statutes s. 197.162. There is no discount in March, and the bill becomes delinquent on April 1.

When are 2026 property taxes due in Santa Rosa County?

The full 2026 property tax amount in Santa Rosa County is due by March 31, 2027. Unpaid bills are delinquent on April 1, 2027, with a 3% penalty, and advertising fees are added May 1, according to the Santa Rosa County Tax Collector.

What is the millage rate in unincorporated Santa Rosa County for 2026?

The Santa Rosa County Property Appraiser website lists 11.3781 total mills for unincorporated Santa Rosa County in 2026, or about $1,137.81 per $100,000 of taxable value. The figures were not labeled final as of Oct. 27, 2026.

Is the TRIM notice a property tax bill?

No. The TRIM notice, or Notice of Proposed Property Taxes, is mailed in mid-August and says "DO NOT PAY – This is not a bill." It shows the proposed value and taxes and starts the 25-day window to appeal the value to the Value Adjustment Board.

Will Amendment 3 lower my November 2026 property tax bill?

No. If Florida voters approve Amendment 3 on Nov. 3, 2026, its first changes take effect Jan. 1, 2027, so they would show up on the 2027 tax roll and the bills mailed in November 2027, not the 2026 bills.

Santa Rosa County property taxes 2026: due dates, discounts, millage and appeals

By the Home & Property Desk, Emerald Coast Dispatch

Santa Rosa County, Florida, mails 2026 property tax bills on or before Nov. 1, 2026, and the full amount is due by March 31, 2027, according to the Santa Rosa County Tax Collector. Paying in November 2026 earns the largest discount, 4%, under Florida Statutes section 197.162. Unpaid bills become delinquent on April 1, 2027, with a 3% penalty.

This guide covers the Santa Rosa County discount calendar, the 2026 millage rates listed by the Santa Rosa County Property Appraiser, what a bill looks like in dollars, how to appeal an assessment and what Amendment 3 on the Nov. 3, 2026, ballot would change. Data as of Oct. 27, 2026.

When are Santa Rosa County property taxes due?

Santa Rosa County property taxes for 2026 are due in full by March 31, 2027, and the earlier you pay, the bigger the discount. The Santa Rosa County Tax Collector mails bills on or before Nov. 1 each year.

Florida law sets the same early-payment discounts in every county (Florida Statutes s. 197.162). If a discount period ends on a weekend or legal holiday, the discount extends to the next business day, according to the Santa Rosa County Tax Collector.

Pay during	Discount	Last day for 2026 bills
November 2026	4%	Monday, Nov. 30, 2026
December 2026	3%	Thursday, Dec. 31, 2026
January 2027	2%	Monday, Feb. 1, 2027 (Jan. 31 is a Sunday)
February 2027	1%	Monday, March 1, 2027 (Feb. 28 is a Sunday)
March 2027	0%	Wednesday, March 31, 2027
April 1, 2027	Delinquent	3% penalty added
May 1, 2027	Delinquent	Advertising fees added

The last-day column is the Emerald Coast Dispatch’s reading of the weekend rule applied to the 2027 calendar. Confirm the final date with the Santa Rosa County Tax Collector before you pay on a deadline.

What are the 2026 millage rates in Santa Rosa County?

The 2026 total millage is 11.3781 mills in unincorporated Santa Rosa County, according to figures listed on the Santa Rosa County Property Appraiser website, which did not label them final as of Oct. 27, 2026. Rates differ inside the cities.

Taxing area	2026 total millage	Tax per $100,000 of taxable value
Unincorporated Santa Rosa County	11.3781	$1,137.81
City of Milton	13.4261	$1,342.61
City of Gulf Breeze	11.2804	$1,128.04
Navarre Beach	11.3781	$1,137.81

One mill equals $1 of tax for every $1,000 of taxable value, so 11.3781 mills is about 1.14% of taxable value, according to the Walton County Property Appraiser’s millage explainer. Your exact millage is printed on your bill and depends on the taxing districts where the property sits.

How much is the tax on a $300,000 home in Santa Rosa County?

A property with $300,000 of taxable value in unincorporated Santa Rosa County owes about $3,413.43 at the listed 2026 rate of 11.3781 mills, by the Emerald Coast Dispatch’s calculation. Paying in November 2026 with the 4% discount lowers that to about $3,276.89, a saving of $136.54.

Taxing area	Gross tax on $300,000 taxable	Paid in November (4% off)	Saving
Unincorporated Santa Rosa County	$3,413.43	$3,276.89	$136.54
City of Milton	$4,027.83	$3,866.72	$161.11
City of Gulf Breeze	$3,384.12	$3,248.76	$135.36

Taxable value is the assessed value minus exemptions such as homestead, so it is usually lower than the market price. Non-ad valorem assessments (flat charges such as some fire or waste fees) are not included in these examples.

Can I appeal my Santa Rosa County property assessment?

Yes. You can file a petition with the Santa Rosa County Value Adjustment Board (VAB), the board that hears property value disputes, but the deadline for the 2026 tax year has passed for most owners. Under Florida Statutes s. 194.011, a value petition is due on or before the 25th day after the TRIM notice is mailed, and a petition over a denied exemption or classification is due by the 30th day after the denial notice.

TRIM notice: The “Notice of Proposed Property Taxes” (TRIM, short for Truth in Millage) arrives in mid-August and says “DO NOT PAY – This is not a bill.”
Informal review: You can ask the property appraiser’s office to review the value informally. Under s. 194.011(2), that conference is optional and is not required before you file with the VAB.
Next chance: For the 2027 tax year, watch for the TRIM notice in mid-August 2027 and file within 25 days.

How do I get the homestead exemption in Santa Rosa County?

You apply for the Florida homestead exemption with the county property appraiser on Form DR-501 by March 1, according to the Bay County Property Appraiser FAQ, which explains the statewide form. Florida assesses property on Jan. 1, so you must own and live in the home as your permanent residence on Jan. 1 of the year you apply, and all exemption applications are due March 1, according to the Okaloosa County Property Appraiser calendar.

For a 2027 exemption, the deadline is March 1, 2027. File with the Santa Rosa County Property Appraiser.

What would Amendment 3 change for Santa Rosa County owners?

Amendment 3 (CS/HJR 1-F) on the Nov. 3, 2026, ballot would raise Florida’s non-school homestead exemption and tighten the cap on second homes, but it would not change the 2026 bills mailed in November. It needs 60% of the vote to pass, according to Okaloosa County’s Amendment 3 page, which summarizes the measure statewide.

If it passes, the summary lists these changes:

Homestead: The non-school homestead exemption rises to $150,000 on Jan. 1, 2027, and $250,000 on Jan. 1, 2028, indexed to inflation from 2029.
New residents: People who homestead after Jan. 1, 2027, start at a $50,000 exemption and qualify for more after five years.
Second homes and rentals: The annual cap on assessed value increases for non-homestead residential property drops from 10% (Florida Statutes s. 193.1555) to 5%.
Local tax rates: The default maximum millage becomes the roll-back rate. Going up to 110% of it needs a two-thirds vote, and above 110% needs a unanimous vote.

Because Florida’s assessment date is Jan. 1, the first changes would appear on the 2027 tax roll and the bills mailed in November 2027. Santa Rosa County had not published an estimate of its revenue loss on the pages the Emerald Coast Dispatch reviewed as of Oct. 27, 2026.

Who to contact about Santa Rosa County property taxes

Office	Handles	Where
Santa Rosa County Tax Collector	Bills, payments, discounts, delinquent taxes	srctc.com
Santa Rosa County Property Appraiser	Values, millage, homestead and other exemptions	srcpa.gov
Santa Rosa County Value Adjustment Board	Appeals of value, exemptions and classifications	Petition deadline printed on the TRIM notice

Phone numbers for the Tax Collector and Property Appraiser are posted on each office’s website.

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