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Updated 2025 Tax Year

Collier County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.85%-1.2% of assessed value (varies by special taxing districts)
1st Due
Nov 1
2nd Due
Dec 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Collier County, Florida operates under a property tax system that funds essential local services including schools, public safety, infrastructure, and county operations. Property taxes are calculated based on the assessed value of your property minus any applicable exemptions, multiplied by the millage rate for your specific area. The effective tax rate in Collier County varies significantly by location, typically ranging from approximately 0.85% to 1.2% of assessed value, depending on which special taxing districts serve your property.

The actual tax rate you pay depends on your specific location within Collier County, as different areas are served by various special taxing districts such as fire districts, municipal service districts, and community development districts. Florida's "Save Our Homes" constitutional amendment provides important protections for homestead properties by capping annual assessment increases at 3% or the Consumer Price Index, whichever is lower. Most property tax benefits require formal application and are not automatically applied to your property.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
Collier County General3.7675Basic county services, administration, public safety
School DistrictVariesPublic education funding (rates vary by district)
Municipal ServicesVariesCity-specific services (if applicable)
Special DistrictsVariesFire protection, water management, lighting districts
Total Aggregate Rate~3.77-15.00+Varies significantly by location

Rates shown are for FY 2025-2026 (proposed/current). The aggregate millage rate of 3.7675 represents the base county rate, but total rates can exceed 15 mills in areas with multiple special taxing districts. Your actual rate depends on which combination of taxing authorities serve your specific property location within Collier County.

Section 3

When Are Property Taxes Due?

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

First Installment
Nov 1
Delinquent after Dec 10
Second Installment
Dec 1
Delinquent after Apr 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 Collier County are triggered when there are changes in property ownership, completion of new construction, or significant improvements that increase a property's assessed value during the tax year. These assessments are calculated based on the difference between the old and new assessed values, prorated for the remaining months in the fiscal year.

For example, if you purchase a home in January and the assessed value increases from $400,000 to $500,000 due to the ownership change removing Save Our Homes protection, you would owe supplemental taxes on the additional $100,000 in assessed value for the remaining months of the fiscal year. The supplemental bill is typically issued within 30-60 days of the triggering event and becomes a lien on the property until paid.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • Less Homestead Exemption: -$50,000
  • Net Taxable Value: $250,000
  • Tax Rate (3.77 mills): $250,000 × 0.00377 = $943
  • Monthly Escrow: $943 ÷ 12 = $79

Example 2: $600,000 Home with Homestead Exemption

  • Market Value: $600,000
  • Less Homestead Exemption: -$50,000
  • Net Taxable Value: $550,000
  • Tax Rate (3.77 mills): $550,000 × 0.00377 = $2,074
  • Monthly Escrow: $2,074 ÷ 12 = $173

Example 3: $1,000,000 Investment Property (No Homestead)

  • Market Value: $1,000,000
  • Less Exemptions: $0 (investment properties don't qualify for homestead)
  • Net Taxable Value: $1,000,000
  • Tax Rate (3.77 mills): $1,000,000 × 0.00377 = $3,770
  • Monthly Escrow: $3,770 ÷ 12 = $314

Note: Examples use base county rate only. Actual rates include additional special district taxes. Homestead exemption requires application and approval.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Collier County require borrowers to maintain an escrow account for property taxes, especially when the loan-to-value ratio exceeds 80%. Your lender collects monthly escrow payments along with your mortgage payment and pays your property taxes directly to Collier County when they become due. Lenders typically collect 1/12th of your estimated annual tax bill each month, plus an additional cushion of up to two months' payments as required by federal law.

Your lender will provide an annual escrow analysis statement showing the previous year's tax payments and adjusting your monthly payment for any changes in tax amounts. It's important to verify that your lender has correctly applied any exemptions or credits to avoid overpaying. If you pay your own taxes, remember that Collier County typically bills in two installments with payment due dates in March and October.

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 Collier County for FY 2025-2026? A: Property taxes are typically due in two installments - the first installment by March 31st and the second installment by October 31st. Check the Collier County Tax Collector website for exact dates.

Q: What is the homestead exemption and how do I apply? A: The homestead exemption reduces your assessed value by up to $50,000 for your primary residence. It also caps annual assessment increases at 3% under Save Our Homes. You must apply with the Collier County Property Appraiser by March 1st of the tax year. Applications are not automatic.

Q: Can I transfer my Save Our Homes benefit when I move? A: Yes, Florida law allows portability of Save Our Homes benefits. You can transfer up to $500,000 of benefit to a new homestead property in Florida, but you must apply for the transfer within two years of establishing the new homestead.

Q: What other tax credits are available in Collier County? A: Additional credits include senior exemption (age 65+ with income limitations), disability exemptions, veteran exemptions, and widow/widower exemptions. All require separate applications and income/qualification verification with the Property Appraiser's office.

Q: How do I appeal my property assessment? A: File a petition with the Collier County Value Adjustment Board by July 1st. You can first request an informal review with the Property Appraiser's office, which may resolve the issue without a formal hearing.

Q: What are the penalties for late payment? A: Property taxes become delinquent on April 1st (first installment) and November 1st (second installment). Interest accrues at 18% per year, and properties may eventually be subject to tax certificate sales.

Q: Can I pay my property taxes online? A: Yes, visit the Collier County Tax Collector website to pay online using bank transfer or credit card. Convenience fees may apply for credit card payments.

Q: How do special district taxes affect my bill? A: Special districts for services like fire protection, street lighting, or water management add additional millage to your tax bill. Your total rate depends on which districts serve your specific address within Collier County.

Q: What triggers a supplemental tax bill? A: Ownership changes, new construction completion, or major improvements during the tax year can trigger supplemental assessments. These are prorated for the remaining months in the fiscal year.

Q: Do I need to reapply for exemptions annually? A: Most exemptions remain in effect once approved, but you must notify the Property Appraiser if your circumstances change (like losing homestead status). Some income-based exemptions may require periodic verification.

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