Jacksonville property tax map.
What you actually pay in property taxes across Jacksonville's counties and major sub-markets. Effective rates, homestead exemption math, and real annual numbers on typical home values.
How Florida property tax actually works.
Florida has no state income tax, but it leans more heavily on property tax than many other states to fund public services. For NEFL homeowners, that translates to effective tax rates in the 1.0%-1.5% range — moderate by national standards but a meaningful annual cost.
Three things shape what you actually pay: the county/city/district millage rate (set annually), the assessed value (set by the county property appraiser), and your exemptions. Florida's homestead exemption shaves $50,000 off the assessed value for primary residences, which on a $400K home saves roughly $560/year.
The single most important thing buyers miss: when you buy a home in Florida, the seller's taxes are frequently lower than what your taxes will be in year two. The Save Our Homes amendment caps annual assessment increases at 3% for homesteaded properties, but the cap resets when ownership transfers. A long-time owner might be paying tax on a $250K assessed value when the home is worth $500K — and you'll start fresh at the full $500K value. Always estimate taxes based on the purchase price, not the seller's most recent tax bill.
| County | Effective Rate (Homestead) | Annual Tax on $400K Home* | Notable Pattern |
|---|---|---|---|
| Duval (Jacksonville) | 1.18% | $4,250 | Higher due to school district |
| St. Johns | 0.93% | $3,250 | Lowest in NEFL |
| Clay | 1.05% | $3,750 | Moderate |
| Nassau (Amelia Island) | 0.98% | $3,450 | Below metro avg |
| Putnam | 1.15% | $4,100 | Higher relative to home values |
| Jacksonville Beach (Duval) | 1.24% | $4,475 | Beach city add-on millage |
| Atlantic Beach (Duval) | 1.21% | $4,350 | Beach city add-on millage |
| Neptune Beach (Duval) | 1.20% | $4,300 | Beach city add-on millage |
*Annual tax estimate on a $400,000 home with homestead exemption applied. Effective rate = total annual tax ÷ assessed value, after homestead. Specific bills depend on additional special-district assessments where applicable. CDD bond payments are billed alongside property tax but are not part of the millage rate itself.
The Save Our Homes cap, explained.
Florida's Save Our Homes (SOH) amendment limits annual increases in the assessed value of homesteaded properties to 3% or the rate of inflation, whichever is lower. This is one of the most important property tax features in Florida law and the single biggest reason long-term residents pay disproportionately less tax than recent buyers.
The SOH cap is preserved for the homeowner as long as they own and occupy the home. When the home is sold, the cap resets and the new owner starts at the home's full market value. For buyers, this means: the seller's tax bill is typically not a reliable predictor of what you will pay.
Portability: Florida homeowners moving from one homesteaded property to another can transfer (up to $500,000 of) their SOH benefit to the new home. This is a substantial savings for in-state movers. Out-of-state buyers do not get this benefit. New homestead applications must be filed by March 1 of the year following purchase.
| Home Price | Lowest County (St. Johns) | NEFL Avg | Highest (Beach Cities) |
|---|---|---|---|
| $300,000 | $2,400 | $2,820 | $3,225 |
| $400,000 | $3,250 | $3,790 | $4,375 |
| $500,000 | $4,100 | $4,775 | $5,525 |
| $700,000 | $5,800 | $6,750 | $7,825 |
| $1,000,000 | $8,350 | $9,725 | $11,275 |
| $1,500,000 | $12,650 | $14,725 | $17,075 |
All figures assume homestead exemption applied. Non-homesteaded (investment, second home) properties typically run 25-35% higher than the figures shown above due to loss of homestead and SOH protections. CDD bond payments, where applicable, are billed alongside but not included.
When estimating monthly payment on any Jacksonville home, do not trust the listing's "taxes" number. Listings almost always show the seller's current bill, which is typically based on the seller's homesteaded, SOH-capped assessed value. Your bill, as a new buyer, will reset to the purchase price. We've seen estimated monthly payments off by $300-$500/month on the same property because of this. Always estimate at the purchase price and the current millage rate.
Effective tax rates calculated from the most recent (2025 tax year) millage rates for each county, plus applicable city and special-district millages. Effective rate = total millage applied to homesteaded assessed value ($50K exemption applied). Annual tax estimates assume the home is purchased at the price shown and homesteaded by the new owner the following year. Non-homesteaded figures assume no exemptions. CDD bond payments are billed alongside property tax but vary by community and are not included in the millage figures.
Primary sources: Duval, St. Johns, Clay, Nassau, Putnam tax collectors · Florida Department of Revenue · Momentum Realty closing data. Data accuracy reflects Momentum Realty's best available information as of the last update date. Specific values for individual properties, communities, or transactions may differ.
Important: Information on this page is for general informational purposes only and is not financial, legal, tax, or insurance advice. Always consult a licensed professional for guidance specific to your situation.
Affiliated Business Arrangement: The principal owners of Momentum Realty, Jon Brooks and Brittany Brooks, have a 50% ownership interest in Titan Title Services LLC. You are not required to use Titan Title Services LLC. There are frequently other settlement service providers available with similar services; you are free to shop around to determine that you are receiving the best services and rate. See full disclosures →
Last updated: Q2 2026 (May). Next refresh: Q3 2026 (August).