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Updated 2025 Tax Year

Martin County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
15-18 mills (1.5-1.8%) - varies by location and taxing districts within Martin County
1st Due
Nov 1
Exemptions
6+ Available
Section 1

How Property Tax Works

Martin County, Florida operates under a property tax system that funds essential county services including schools, public safety, infrastructure, and local government operations. Property taxes are calculated based on assessed value minus applicable exemptions, multiplied by the millage rate, which varies by location within the county due to different combinations of taxing districts.

For the 2025 tax year, Martin County property tax rates vary significantly depending on your specific location and the special taxing districts that serve your property. The effective tax rate typically ranges from approximately 15-18 mills (1.5-1.8%), though this can vary based on municipal services, school district levies, and special assessment districts. Your actual rate depends on which combination of county, school, municipal, and special district taxes apply to your specific property location.

Properties in Martin County benefit from Florida's "Save Our Homes" constitutional amendment, which caps annual assessment increases at 3% or the Consumer Price Index (whichever is lower) for homestead properties. However, most tax benefits require annual application and are not automatically applied to your property tax bill.

Section 2

What Makes Up Your Tax Bill

Tax ComponentRate (Mills)Description
County General~6.5Basic county services, infrastructure, administration
School District~7.0Martin County School District operations and capital
Municipal0-3.0Varies by city (Stuart, Jupiter Island, etc.)
Special Districts0-2.5Fire districts, water management, lighting districts
Total Range15.0-18.0Actual rate depends on property location

Rates shown are approximate for FY 2025-2026 and vary by specific location within Martin County. One mill equals $1 per $1,000 of taxable assessed value.

Note: Your property may be subject to additional special assessments depending on location, including Ocean Breeze CDD, fire districts, or other community development districts. Check your TRIM notice for exact rates applicable to your property.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Martin 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 Martin County are triggered when there is a change in property ownership, completion of new construction, or significant improvements that increase the assessed value mid-tax year. Unlike the annual assessment cycle, supplemental taxes are prorated based on the number of months remaining in the fiscal year after the triggering event.

The supplemental tax is calculated by taking the difference between the new assessed value and the previous assessed value, applying the appropriate millage rate, and prorating for the remaining months. For example, if you purchase a home in January that was previously assessed at $400,000 but now reflects a market value of $500,000, you would owe supplemental tax on the $100,000 difference for the remaining months of the tax year.

Supplemental tax bills are typically issued within 60-90 days of the triggering event and become due 30 days from the issue date. These taxes are separate from and in addition to the regular annual property tax bill, and early payment discounts do not apply to supplemental assessments.

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: 16.0 mills
  • Annual Tax: $4,000
  • Monthly Escrow: $333

Example 2: $600,000 Home (With Enhanced Homestead)

  • Market Value: $600,000
  • Less Standard Homestead: -$25,000
  • Less Additional Homestead: -$25,722 (2025 amount for values >$75,000)
  • Net Taxable Value: $549,278
  • Tax Rate: 16.5 mills
  • Annual Tax: $9,063
  • Monthly Escrow: $755

Example 3: $1,000,000 Home (Non-Homestead)

  • Market Value: $1,000,000
  • Less Exemptions: $0 (investment/second home)
  • Net Taxable Value: $1,000,000
  • Tax Rate: 17.0 mills
  • Annual Tax: $17,000
  • Monthly Escrow: $1,417

Note: All exemptions require annual application with the Martin County Property Appraiser. Rates vary by specific location and taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Martin County require property tax escrow accounts, collecting monthly payments to cover your annual property tax bill. Lenders typically collect 1/12 of your estimated annual property taxes each month, plus an additional cushion of up to two months' payments as required by federal law.

Property taxes in Martin County are paid annually, with the tax year running from January 1 to December 31. Tax bills are typically mailed in October, with payment due by March 31 of the following year. Early payment discounts are available: 4% in November, 3% in December, 2% in January, and 1% in February. Your lender will generally pay in November or December to capture the maximum discount.

Homeowners should verify that their lender is paying the correct amount by reviewing their annual tax bill and escrow analysis. If your property qualifies for new exemptions or if tax rates change significantly, contact your lender to ensure adequate funds are being collected. You can verify payments through the Martin County Tax Collector's website using your parcel number.

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 Martin County property taxes due for the 2025 tax year? A: Property taxes are due by March 31, 2026. Early payment discounts are available: 4% in November 2025, 3% in December 2025, 2% in January 2026, and 1% in February 2026.

Q: What is the homestead exemption and how do I apply? A: The homestead exemption reduces your taxable assessed value by up to $50,000 ($25,000 from all taxes, plus an additional $25,722 for 2025 from non-school taxes for homes valued over $75,000). You must apply annually with the Property Appraiser by March 1. The property must be your permanent residence as of January 1.

Q: Does the homestead exemption cap my assessment increases? A: Yes, the "Save Our Homes" benefit limits annual assessment increases to 3% or inflation (whichever is lower) for homestead properties. This benefit is separate from the dollar amount exemption and requires homestead application.

Q: What other tax credits are available in Martin County? A: Additional exemptions include Senior Citizen (income-qualified, $50,000 exemption), Disability (various amounts), Veterans' exemptions, and Agricultural classifications. All require separate applications with specific deadlines and documentation.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed by the deadline shown on your TRIM notice (typically late July/early August). You can appeal online through the Property Appraiser's website or request a hearing with the Value Adjustment Board.

Q: What happens if I pay my taxes late? A: Taxes become delinquent on April 1. A 3% penalty is charged in April, increasing by 0.75% each month. After two years of delinquency, the property may be sold at tax deed sale.

Q: Can I pay my property taxes online? A: Yes, Martin County offers online payment through the Tax Collector's website. You can pay by bank transfer, credit card, or e-check. Credit card payments incur convenience fees.

Q: Why did my tax bill increase when property values went down? A: Tax bills depend on both assessed value and millage rates. Even if your home value decreased, your bill might increase due to higher millage rates set by taxing authorities, or loss of previous year exemptions.

Q: Do I need to reapply for homestead exemption every year? A: No, once approved, homestead exemption renews automatically as long as you continue to own and occupy the property as your permanent residence. However, you must reapply if you move or if the Property Appraiser requests updated information.

Q: How do special district taxes affect my bill? A: Properties may be subject to additional taxes from fire districts, community development districts (CDDs), or municipal service districts. These appear as separate line items on your tax bill and rates vary significantly by location within Martin County.

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