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Updated 2025 Tax Year

Escambia County
Property Tax Guide

Everything you need to know about property taxes in Escambia County, AL. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
32.5 mills (3.25%) effective rate, varies by location within county due to special districts
1st Due
Oct 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Escambia County, Alabama operates on a property tax system that funds essential local services including schools, public safety, infrastructure, and county government operations. Property taxes are calculated based on the assessed value of real property, which is determined by the County Tax Assessor through periodic appraisals and reassessments. The Tax Assessor is required by law to notify property owners of their property value every four years.

The effective property tax rate in Escambia County for 2025 is 32.5 mills (3.25%), though actual rates can vary depending on your specific location within the county due to special taxing districts and municipal boundaries. Property taxes become due on October 1st each year and are considered delinquent after December 31st. It's important to note that most tax credits and exemptions require formal application and are not automatically applied to your property tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
Base County Rate32.5General county operations, schools, and services
Total Rate32.5Applies to FY 2025

Note: Rates shown are for the 2025 levy year and may vary by special taxing districts within Escambia County. Some areas may have additional assessments for municipal services, school bonds, or special improvement districts that could increase the effective rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Escambia County, property taxes are due in two installments:

First Installment
Oct 1
Delinquent after Dec 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Escambia County are triggered by changes in property ownership, new construction, or significant improvements that increase a property's assessed value during the tax year. When these events occur, the Tax Assessor calculates the difference between the new assessed value and the previous assessment, then applies the current tax rate to determine any additional tax owed.

For example, if you purchase a home mid-year and the new assessment is higher than the previous owner's assessment, you would receive a supplemental tax bill for the difference. Similarly, if you complete a major renovation or addition that increases your property's value, you may receive a supplemental bill for the additional assessment amount prorated for the remaining months in the tax year.

Example Calculation

Property Value: $300,000

  • Assessed Value: $300,000
  • Less: Homestead Exemption: $4,000 (if qualified and applied)
  • Net Taxable Value: $296,000
  • Annual Tax (32.5 mills): $9,620
  • Monthly (if escrowed): $802

Property Value: $600,000

  • Assessed Value: $600,000
  • Less: Homestead Exemption: $4,000 (if qualified and applied)
  • Net Taxable Value: $596,000
  • Annual Tax (32.5 mills): $19,370
  • Monthly (if escrowed): $1,614

Property Value: $1,000,000

  • Assessed Value: $1,000,000
  • Less: Homestead Exemption: $4,000 (if qualified and applied)
  • Net Taxable Value: $996,000
  • Annual Tax (32.5 mills): $32,370
  • Monthly (if escrowed): $2,698

Note: Exemptions shown require formal application and approval. Additional exemptions may be available for seniors or disabled property owners.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Escambia County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender will collect 1/12th of your estimated annual property tax bill each month along with your mortgage payment. The lender then pays your property taxes directly to the county when they become due on October 1st.

Lenders typically conduct an annual escrow analysis to ensure adequate funds are collected. If property taxes increase due to reassessment or rate changes, your monthly escrow payment may be adjusted. Property owners should verify that their lender has paid taxes on time, as you remain ultimately responsible for ensuring taxes are paid by the December 31st deadline to avoid delinquency penalties.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Escambia County for FY 2025? A: Property taxes are due October 1, 2025, and become delinquent after December 31, 2025.

Q: What homestead tax credits are available and do they require application? A: The primary homestead exemption provides $4,000 in assessed value reduction against state taxes for owner-occupied primary residences. This requires application and is not automatic. Additional exemptions may be available for seniors over 65 with income restrictions.

Q: How does the homestead exemption work? A: The homestead exemption reduces your assessed value by $4,000, not your market value. You must own and occupy the property as your primary residence and file an application with the County Tax Assessor.

Q: When must personal property tax lists be submitted? A: Personal property tax lists must be submitted by December 31 each year.

Q: What is the penalty for late property tax payments? A: Properties become delinquent after December 31st and are subject to penalties and interest as determined by state law.

Q: How often are properties reassessed in Escambia County? A: The Tax Assessor is required by law to notify property owners of their property value every four years, though assessments may be updated more frequently.

Q: Can I appeal my property assessment? A: Yes, property owners have the right to appeal their assessment. Contact the Escambia County Tax Assessor's office for specific procedures and deadlines.

Q: Are there special exemptions for agricultural or forestry land? A: Yes, "current use" valuation may be available for qualifying Class III agricultural or forestry property. Applications must be filed between October 1 and January 1.

Q: What additional exemptions are available for seniors? A: Seniors over 65 with adjusted gross income less than $12,000 may qualify for an additional $5,000 assessed value exemption. Those over 65 meeting certain criteria may qualify for complete property tax exemption.

Q: Do special taxing districts affect my property tax rate? A: Yes, your exact tax rate may vary depending on your location within Escambia County due to municipal boundaries and special improvement districts.

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