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Updated 2025 Tax Year

Escambia County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
10.7714 mills (1.08%) average - varies by municipality and special districts
1st Due
Nov 1
Exemptions
6+ Available
Section 1

How Property Tax Works

Escambia County's property tax system is the primary funding mechanism for essential local services including public schools, county operations, emergency services, and infrastructure maintenance. Property owners pay taxes based on their property's assessed value multiplied by the applicable millage rate, which varies depending on location within the county due to different municipal boundaries and special taxing districts.

For FY 2024-2025, the effective tax rate in Escambia County averages approximately 10.7714 mills (1.07714%), though this varies significantly by location. Properties within city limits face additional municipal taxes, while those in special districts may have additional assessments for services like fire protection, water management, or community development. The actual tax burden ranges from around 0.98% to over 1.5% of assessed value depending on the specific taxing districts that apply to each property.

Florida's "Save Our Homes" constitutional amendment provides important protections for homestead properties, capping annual assessment increases at 3% or the Consumer Price Index increase, whichever is lower. However, property owners must apply for homestead exemption to receive these benefits - they are not automatic upon purchase.

Section 2

What Makes Up Your Tax Bill

The following millage rates apply to properties in Escambia County for FY 2024-2025:

ComponentRate (Mills)Description
Escambia County4.8500General county operations, services
School District4.7140Escambia County School Board operations
Northwest Florida Water Mgmt0.2635Regional water management services
Children's Services0.4500Mandated children and family services
University of West Florida0.4939State university support
Base Total10.7714Standard rate for unincorporated areas
City of Pensacola+6.9500Additional municipal services (if applicable)
Other MunicipalitiesVariesCantonment, Ferry Pass, and other areas
Special DistrictsVariesFire districts, CRA, improvement districts

Note: Properties within municipal boundaries pay additional city taxes. Special taxing districts for fire protection, community redevelopment, or other services may add 0.5 to 3.0 additional mills depending on location.

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
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 Escambia County are additional property tax assessments that occur when there are changes to property ownership, value, or use during the tax year. The most common triggers include new construction completion, change of ownership that removes Save Our Homes protection, property improvements that increase assessed value, or changes from exempt to taxable status.

When a supplemental assessment is issued, it covers the period from the date of change through the end of the current fiscal year (September 30). The tax is calculated by taking the difference between the new assessed value and the previous assessed value, multiplied by the applicable millage rate, then prorated for the remaining months in the fiscal year.

For example, if a $100,000 home addition is completed on January 1st, and the property is in an area with a 10.7714 mill rate, the supplemental tax would be: ($100,000 × 0.0107714 × 9/12 months) = $807.86 for the remaining nine months of the fiscal year. The property owner receives a separate supplemental tax bill that is due within 30 days of issuance.

Example Calculation

The following examples show annual property tax calculations for different home values in unincorporated Escambia County (10.7714 mills) with common exemptions applied:

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • Homestead Exemption: -$50,000
  • Taxable Assessed Value: $250,000
  • Annual Tax: $250,000 × 0.0107714 = $2,693
  • Monthly (Escrow): $224

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

  • Market Value: $600,000
  • Homestead Exemption: -$50,000
  • Additional Senior Exemption: -$50,000
  • Taxable Assessed Value: $500,000
  • Annual Tax: $500,000 × 0.0107714 = $5,386
  • Monthly (Escrow): $449

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

  • Market Value: $1,000,000
  • Homestead Exemption: -$50,000
  • Taxable Assessed Value: $950,000
  • Annual Tax: $950,000 × 0.0107714 = $10,233
  • Monthly (Escrow): $853

Important: All exemptions require annual application by March 1st deadline. Save Our Homes assessment cap protection also requires homestead filing and provides additional savings by limiting annual assessment increases.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Escambia County require property tax escrow accounts for loans with less than 20% down payment. The lender collects 1/12th of the estimated annual property tax with each monthly mortgage payment, depositing these funds into an escrow account. When property taxes become due on November 1st, the lender pays the tax bill directly to the Escambia County Tax Collector.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected. If property taxes increase due to rising assessments or millage rates, the lender may require higher monthly escrow payments or a one-time shortage payment. Property owners receive annual escrow statements showing deposits, tax payments, and account balances. The Real Estate Settlement Procedures Act (RESPA) limits the cushion lenders can maintain to no more than two months of escrow payments.

Property owners with escrow accounts should verify their tax bills are paid timely, as the lender is responsible for payment but any penalties for late payment ultimately affect the property owner. The Escambia County Tax Collector provides online verification tools to confirm payment status and amounts.

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 2024-2025? A: Property taxes are due November 1, 2024, or upon receipt of the certified tax roll if later. 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 is the homestead exemption and how do I apply? A: Homestead exemption removes up to $50,000 from your home's assessed value and caps annual assessment increases at 3% under Save Our Homes. You must apply with the Escambia County Property Appraiser by March 1st following the year you establish residency. Applications are available online at escambiapa.com or at 221 Palafox Place, Pensacola.

Q: Are there additional tax credits for seniors or veterans? A: Yes, but these require separate applications. Seniors 65+ with household income under $32,000 may qualify for an additional $50,000 exemption. Veterans with combat-related disabilities may receive partial or total exemptions. Surviving spouses of military members killed in action may qualify for total exemption. All applications are due by March 1st annually.

Q: How can I appeal my property assessment? A: Property assessments are mailed in late summer with appeal deadlines typically in September. You can file appeals online, by mail, or in person with the Escambia County Value Adjustment Board. Include comparable sales data, photos of property condition, or other evidence supporting your position. There is no fee for filing appeals.

Q: What happens if I pay my property taxes late? A: Interest accrues at 1.5% per month starting April 1st. Properties with unpaid taxes for two years may be sold at tax deed sales. The county charges additional fees for delinquent accounts and may place tax liens on the property.

Q: Can I pay property taxes online? A: Yes, visit escambiataxcollector.com to pay by e-check (ACH) or credit/debit card. Credit card payments include convenience fees. You can also pay in person at tax collector offices or by mail. Payment plans may be available for delinquent accounts.

Q: Do special districts affect my tax rate? A: Yes, many areas have additional taxes for municipal services, fire districts, community redevelopment areas, or improvement districts. Your tax bill will show all applicable millage rates. Common special districts include Pensacola city taxes (6.95 mills) and various fire district assessments.

Q: How do I transfer Save Our Homes benefits when moving within Florida? A: You can transfer (port) up to $500,000 of Save Our Homes benefit to a new homestead property in Florida. File portability applications with both the county you're leaving and Escambia County Property Appraiser within the required timeframes to maintain assessment limitations on your new home.

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