Jacksonville property taxes by ZIP code.
What you'll actually pay in property taxes across Jacksonville and Northeast Florida ZIP codes. Effective tax rate math, the Save Our Homes cap trap, and the single number every buyer gets wrong.
How Florida property tax actually works.
Florida has no state income tax, but it relies heavily on property tax to fund public services. Effective tax rates across Jacksonville-area counties range from about 0.93% (St. Johns) to 1.30% (some Duval submarkets). On a $500K home, that's a $4,650-$6,500 annual difference depending on county and millage.
Three things determine what you actually pay: the county/city/district millage rate (varies by ZIP), the assessed value (set by the county property appraiser annually), and your exemptions. Florida's homestead exemption shaves $50,000 off the assessed value for primary residences, which saves roughly $565-$650/year on a typical Jacksonville home.
The single most important thing buyers miss: when you buy, the seller's taxes are typically lower than what yours will be in year two. The Save Our Homes amendment caps annual assessment increases at 3% for homesteaded properties, but the cap resets at ownership transfer. A long-time owner of a $400K home may be paying tax on an assessed value of $250K. You'll start at the full market value. Always estimate property tax based on your purchase price, not the seller's current bill.
| ZIP Code | Area / Neighborhood | Effective Rate | Annual Tax on $400K Home* |
|---|---|---|---|
| 32082 | Ponte Vedra Beach (St. Johns) | 0.93% | $3,720 |
| 32092 | St. Johns / World Golf Village | 0.94% | $3,760 |
| 32259 | St. Johns (Julington Creek) | 0.96% | $3,840 |
| 32218 | Northside Jacksonville | 1.12% | $4,480 |
| 32257 | Mandarin | 1.16% | $4,640 |
| 32207 | San Marco | 1.18% | $4,720 |
| 32205 | Riverside / Avondale | 1.18% | $4,720 |
| 32202 | Downtown Jacksonville | 1.22% | $4,880 |
| 32250 | Jacksonville Beach | 1.24% | $4,960 |
| 32233 | Atlantic Beach | 1.24% | $4,960 |
| 32256 | Southside Tinseltown | 1.16% | $4,640 |
| 32073 | Orange Park (Clay) | 1.05% | $4,200 |
| 32003 | Fleming Island (Clay) | 1.07% | $4,280 |
*Annual tax estimate assumes $400,000 purchase price with homestead exemption applied. Specific bills depend on additional special-district assessments (CDD bonds, community districts) where applicable.
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. In Jacksonville, where home values have appreciated 35-55%+ since 2018, the SOH cap is the single biggest reason long-term residents pay disproportionately less tax than recent buyers.
The 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 tax purposes. The seller's tax bill is essentially never a reliable predictor of what you'll pay.
Portability: Florida homeowners moving from one homesteaded property to another can transfer up to $500,000 of their SOH benefit. For in-state buyers moving between Florida properties, this can be substantial savings. Out-of-state buyers don't get this benefit.
Non-homesteaded properties (second homes, investment properties, vacation rentals) don't get the SOH cap and typically pay 25-35% higher annual property tax than homesteaded equivalents. Plan accordingly if buying investment property.
| Purchase Price | Annual Tax (Homesteaded) | Annual Tax (Non-Homesteaded)* | Monthly Add to PITI |
|---|---|---|---|
| $300,000 | $2,950 | $3,540 | $246 / $295 |
| $400,000 | $4,200 | $5,040 | $350 / $420 |
| $500,000 | $5,450 | $6,540 | $454 / $545 |
| $650,000 | $7,325 | $8,790 | $610 / $733 |
| $850,000 | $9,825 | $11,790 | $819 / $983 |
| $1,200,000 | $14,200 | $17,040 | $1,183 / $1,420 |
Estimates use the average Jacksonville effective rate (~1.18%) for homesteaded and ~1.42% for non-homesteaded. Specific bills vary by ZIP — see the ZIP code table above. Always confirm with the county property appraiser before relying on estimates.
Property tax estimation is one of the most consistently miscalculated parts of the home buying process. Buyers see the seller's $2,800/year tax bill and budget for that — only to find their actual bill is $5,200/year because the SOH cap reset. Always estimate based on your purchase price and the local effective rate from the table above. We can help you run accurate numbers before you write an offer. Use the calculator for a full carrying-cost view or start a conversation.
Effective property tax rates calculated from the most recent (2025 tax year) millage rates for Duval, St. Johns, Clay, and Nassau Counties and applicable city/special-district millages. Effective rate = total millage applied to homesteaded assessed value after $50K homestead exemption. Specific ZIP code rates may include municipal and special-district assessments that vary by parcel.
Primary sources: Duval County Tax Collector · St. Johns County Tax Collector · Clay County Tax Collector · Florida Department of Revenue. Data accuracy reflects Momentum Realty's best available information as of the last update date.
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.
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Last updated: Q2 2026 (May). Next refresh: Q3 2026 (August).