HonestCasa logoHonestCasa
Updated 2025 Tax Year

Calhoun County
Property Tax Guide

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

8 Official Sources
8 min read
Quick Facts
Tax Rate
9.9 mills base rate (0.99%) - varies by special taxing districts within county
1st Due
Nov 1
Exemptions
6+ Available
Section 1

How Property Tax Works

Calhoun County, Florida operates under the state's property tax system, where property taxes serve as the primary funding source for essential county services including schools, public safety, infrastructure, and general government operations. The county's property tax system is administered by the Calhoun County Property Appraiser, who determines property values, and the Calhoun County Tax Collector, who handles tax collection and payment processing.

Property owners in Calhoun County can expect effective tax rates that vary significantly based on their specific location within the county due to different combinations of special taxing districts. The county's base millage rate for general operations was set at 9.9 mills for 2024, with the 2025 rate expected to remain similar but subject to final budget approval. When combined with school district taxes, municipal taxes (where applicable), and various special district assessments, total effective rates typically range from approximately 15-25 mills depending on the property's location and applicable taxing jurisdictions.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County General Operations9.9Basic county services and administration
School DistrictVariesCalhoun County School Board operations
Municipal TaxesVariesCity taxes (where applicable)
Special DistrictsVariesFire districts, water management, etc.
Total Estimated Range15-25Combined rate varies by location

Rates shown are for FY 2024-2025 levy year. The 2025 county millage rate is pending final approval and expected to remain at or near 9.9 mills. Actual total rates vary significantly by property location within the county due to different combinations of special taxing districts. Contact the Calhoun County Property Appraiser for location-specific rate information.

Section 3

When Are Property Taxes Due?

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

First Installment
Nov 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 property taxes in Calhoun County are triggered by specific events that change a property's assessed value or ownership status during the tax year. The most common triggers include ownership changes through sale or transfer, completion of new construction, additions or major improvements to existing structures, and changes in property use classification.

When a supplemental assessment occurs, the additional tax is calculated as the difference between the new assessed value and the previous assessed value, multiplied by the applicable tax rate, prorated for the remaining months in the fiscal year. For example, if a property's assessed value increases by $100,000 due to completed renovations in January, and the total tax rate is 20 mills, the supplemental tax would be approximately $2,000 ($100,000 × 0.020) prorated for the remaining months of the fiscal year.

Example Calculation

Example 1: $300,000 Home with Homestead

  • Market Value: $300,000
  • Homestead Exemption Applied: $50,000
  • Net Taxable Value: $250,000
  • Tax Rate (20 mills): $250,000 × 0.020 = $5,000 annually
  • Monthly Payment: ~$417

Example 2: $600,000 Home with Homestead and Senior Exemption

  • Market Value: $600,000
  • Homestead Exemption Applied: $50,000
  • Additional Senior Exemption: $25,000 (if qualified)
  • Net Taxable Value: $525,000
  • Tax Rate (20 mills): $525,000 × 0.020 = $10,500 annually
  • Monthly Payment: ~$875

Example 3: $1,000,000 Commercial Property

  • Market Value: $1,000,000
  • No Exemptions Applied: $0
  • Net Taxable Value: $1,000,000
  • Tax Rate (18 mills): $1,000,000 × 0.018 = $18,000 annually
  • Monthly Payment: ~$1,500

All tax credits and exemptions shown require separate applications and are not automatically applied. Actual rates vary by specific location within the county.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Calhoun County require property tax escrow accounts for financed properties, collecting monthly tax payments along with principal and interest. Lenders typically collect 1/12th of the estimated annual property tax bill each month, holding these funds in escrow until tax payments are due. The escrow account is analyzed annually, and lenders may adjust monthly payments based on actual tax bills and account balances.

Property taxes in Calhoun County are due November 1st each year, with discount periods available for early payment (4% in November, 3% in December, 2% in January, 1% in February). Lenders usually pay from escrow accounts during the discount period to minimize costs. Property owners should verify that their lender has made timely payments and ensure escrow accounts maintain adequate balances to cover any tax increases. If escrow payments are insufficient, lenders may require lump-sum payments or increase monthly escrow amounts to cover shortfalls.

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 Calhoun County for the 2024-2025 fiscal year? A: Property taxes are due November 1, 2024. Early payment discounts are available: 4% in November, 3% in December, 2% in January, and 1% in February. Taxes become delinquent April 1, 2025.

Q: What homestead tax credits are available and how do I apply? A: Calhoun County offers a $50,000 homestead exemption ($25,000 base plus $25,000 additional) that reduces assessed value. You must apply with the Property Appraiser by March 1st annually. The homestead also caps annual assessment increases at 3% under Florida's Save Our Homes provision.

Q: Are there tax credits for seniors or disabled persons? A: Yes, additional exemptions may be available for seniors, veterans, and disabled persons, but each requires a separate application with specific eligibility requirements and documentation. Contact the Calhoun County Property Appraiser for current programs and application deadlines.

Q: How does the Save Our Homes assessment cap work? A: Save Our Homes limits annual increases in homestead assessed value to 3% or the Consumer Price Index, whichever is lower. This caps assessment growth but doesn't reduce market value. You must have an approved homestead exemption to qualify.

Q: When are properties assessed and how do I appeal? A: Properties are assessed annually as of January 1st. Assessment notices are typically mailed in summer. You have 25 days from the notice date to file an appeal with the Value Adjustment Board if you disagree with the assessed value.

Q: What are the penalties for late payment? A: If taxes aren't paid by April 1st, the property becomes subject to tax certificate sale. Interest and penalties accrue, and ultimately the county may sell tax certificates to investors who can eventually acquire the property through tax deed sale.

Q: Can I pay property taxes online? A: Yes, the Calhoun County Tax Collector typically offers online payment options through their official website. Contact their office for current payment methods, accepted forms of payment, and any associated convenience fees.

Q: Why do my taxes vary from my neighbor's even with similar property values? A: Tax bills vary based on different factors including applicable exemptions, Save Our Homes caps from previous years, exact property location within different special taxing districts, and whether all available tax credits have been properly applied through required applications.

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Free • No credit check • 2-minute estimate