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Updated 2025 Tax Year

Duval County
Property Tax Guide

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

5 Official Sources
8 min read
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Quick Facts
Tax Rate
0.98% average (varies by taxing district)
1st Due
Nov 1
Exemptions
6+ Available
Section 1

How Property Tax Works

Duval County, Florida operates under a property tax system that serves as the primary funding mechanism for essential local services including public schools, municipal services, fire protection, and infrastructure maintenance. The county follows Florida's property tax structure with an effective tax rate averaging around 0.98%, though actual rates vary based on the specific taxing districts where your property is located within Jacksonville and Duval County.

Property taxes in Duval County are calculated based on the assessed value of your property as determined by the Property Appraiser's Office, which is required to inspect all parcels at least once every five years per Florida Statute. The county benefits from Florida's "Save Our Homes" constitutional amendment, which caps annual assessment increases at 3% for homesteaded properties, providing predictable tax growth for resident homeowners. Property owners can also take advantage of Florida's generous homestead exemption of up to $50,000, significantly reducing the taxable value for primary residences.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000)Description
Duval County General$6.7830County operations, services, and infrastructure
School District$6.7700Duval County Public Schools funding
Children's Services$0.4818Child welfare and family services
Jacksonville General$9.5790City of Jacksonville municipal services
Pension Liability$1.4460Municipal employee pension obligations
Better Jacksonville Plan$0.5000Infrastructure and capital improvements
Special DistrictsVariesFire districts, water management, lighting districts
Total Effective Rate~$25.56Average combined millage rate

Note: Rates shown are approximate and may vary by tax year and specific location within Duval County. Some areas may have additional special district assessments.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Duval 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 taxes in Duval County are additional property tax assessments that occur when there are changes to a property's value or ownership outside of the regular assessment cycle. 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 (such as converting from agricultural to residential use).

Supplemental taxes are calculated based on the difference between the previous assessed value and the new assessed value, prorated for the portion of the tax year remaining after the change occurs. For example, if you purchase a home in January that was previously assessed at $200,000 but sells for $350,000, a supplemental assessment may be issued to account for the increased value. The Property Appraiser's Office typically issues these assessments within 30-60 days of discovering the change, and they become due immediately upon issuance with the same discount schedule as regular property taxes.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market/Assessed Value: $300,000
  • Less Homestead Exemption: -$50,000
  • Net Taxable Value: $250,000
  • Annual Tax (at 2.556%): $6,390
  • Monthly Escrow: $532.50

Example 2: $600,000 Home with Homestead Exemption

  • Market/Assessed Value: $600,000
  • Less Homestead Exemption: -$50,000
  • Net Taxable Value: $550,000
  • Annual Tax (at 2.556%): $14,058
  • Monthly Escrow: $1,171.50

Example 3: $1,000,000 Home with Homestead Exemption

  • Market/Assessed Value: $1,000,000
  • Less Homestead Exemption: -$50,000
  • Net Taxable Value: $950,000
  • Annual Tax (at 2.556%): $24,282
  • Monthly Escrow: $2,023.50

Note: Examples assume homesteaded primary residence and average millage rates. Actual taxes may vary based on specific location and applicable exemptions.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Duval County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects monthly escrow payments along with your mortgage payment, typically calculated by dividing your annual property tax bill by 12 months, plus a cushion for potential increases. Lenders are required to provide annual escrow analysis statements showing account activity and any adjustments needed for the coming year.

Property taxes in Duval County become due on November 1st each year, with early payment discounts available: 4% discount in November, 3% in December, 2% in January, and 1% in February. Taxes become delinquent on April 1st if unpaid. If you have an escrow account, your lender typically pays the full amount due in November to maximize the discount. You can verify your tax payments and view account information online at https://www.coj.net/departments/tax-collector, which provides real-time payment status and tax history.

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 Duval County? A: Property taxes are due November 1st annually. Early payment discounts are available: 4% in November, 3% in December, 2% in January, and 1% in February. Taxes become delinquent April 1st.

Q: How do I apply for homestead exemption? A: Apply at the Property Appraiser's office by March 1st. You must own and occupy the property as your primary residence on January 1st of the tax year. Visit https://www.coj.net/departments/property-appraiser for applications.

Q: Can I pay property taxes online? A: Yes, online payments are available through the Tax Collector's website at https://www.coj.net/departments/tax-collector. Credit cards, e-checks, and ACH transfers are accepted with applicable fees.

Q: How do I appeal my property assessment? A: File a petition with the Value Adjustment Board by the deadline (typically late July). A $15 filing fee is required. Contact the Property Appraiser's office for specific procedures and deadlines.

Q: What happens if I pay property taxes late? A: Interest accrues at 1.5% per month on unpaid taxes. After April 1st, taxes are considered delinquent and may result in tax certificate sales and potential property liens.

Q: How often is my property reassessed? A: Florida law requires the Property Appraiser to physically inspect each property at least once every five years. However, assessments are reviewed annually using market data and other factors.

Q: Can I transfer my Save Our Homes benefit to a new home? A: Yes, Florida allows portability of Save Our Homes benefits when moving to a new homesteaded property within the state, subject to specific timing and value requirements.

Q: What exemptions are available besides homestead? A: Additional exemptions include senior exemptions for low-income seniors, disability exemptions, veteran exemptions, and exemptions for certain agricultural or historical properties. Each has specific qualification requirements.

Verified Sources

Backed by 5 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Duval County Assessorcoj.net
02
County
Duval County Assessorcoj.net
03
Greenbelt Classification - Property Appraiserjacksonville.gov
04
County
Report 859 - Duval County Property Appraiser Auditjacksonville.gov
05
Tax Doc
ad valorem tax exemption applicationmiamidadepa.gov
All sources verified as of 2025 Tax Year

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