Florida · FIPS 12005 · ACS 2020–2024
Bay County, Florida property tax rate
Homeowners in Bay County paid a median of $1,807 a year in real estate taxes on a median home value of $310,500 (2020–2024 survey). Taxes came to 0.59% of home value, 24% below the Florida rate of 0.78% and 37% below the U.S. rate of 0.94%.
- 0.59%Effective tax rate±0.04% margin · Florida: 0.78%
- $1,807Median tax per yearFlorida: $2,730 · U.S.: $3,119
- $310,500Median home valueFlorida: $359,000
- 52,660Owner-occupied homes67% of households own
| Measure | Bay County | Florida | U.S. | Bay County 2019–2023 | Change |
|---|---|---|---|---|---|
| Effective tax rate | 0.59% | 0.78% | 0.94% | 0.61% | −0.02 pts |
| Median tax, all owners | $1,807 | $2,730 | $3,119 | $1,653 | +$154 (+9.3%) |
| Median tax, with a mortgage | $2,026 | $2,993 | $3,489 | $1,845 | +$181 (+9.8%) |
| Median tax, no mortgage | $1,475 | $2,319 | $2,576 | $1,368 | +$107 (+7.8%) |
| Median home value | $310,500 | $359,000 | $332,700 | $276,900 | +$33,600 (+12.1%) |
| Total taxes paid | $112,692,100 | $21,481,835,400 | $360,573,527,500 | $103,216,900 |
How Bay County compares
- Per $1,000 of home value, owners here paid about $5.94 a year, against $7.79 statewide and $9.40 nationally.
- Rank in Florida: 12 of 61 counties from lowest to highest effective rate (among those with reliable estimates). Nationally, 30% of 2,682 counties had a lower rate.
- Homes with a mortgage: 0.63% of value; homes without one: 0.54%. Median bills: $2,026 and $1,475.
- Compared with the 2019–2023 survey, the effective rate fell (−0.02 pts) and the median tax changed +$154 (+9.3%). The two 5-year surveys share four years of responses, so year-to-year moves are small and partly noise.
- Margin of error: the effective rate is 0.59% ± 0.04% at 90% confidence, from a sample of the 52,660 owner-occupied homes.
Florida counties with similar rates
| County | Effective rate | Median tax | Median value |
|---|---|---|---|
| Collier County | 0.59% | $3,386 | $540,700 |
| Calhoun County | 0.59% | $734 | $145,300 |
| Okaloosa County | 0.59% | $2,011 | $351,200 |
| Lafayette County | 0.60% | $863 | $157,200 |
| Dixie County | 0.60% | $813 | $132,000 |
| Santa Rosa County | 0.60% | $1,891 | $329,800 |
| Liberty County | 0.61% | $1,152 | $127,300 |
| Gilchrist County | 0.61% | $1,302 | $199,900 |
Sources
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, table-based summary file: B25090 (aggregate real estate taxes), B25082 (aggregate home value), B25103 (median real estate taxes), B25077 (median home value) and B25003 (tenure); files dated January 29, 2026.
- U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates, same tables (files dated October 31, 2024), for the comparison column.
- Geography names: Census Bureau Geos20245YR.txt (file dated January 22, 2026).
Effective rate = total real estate taxes paid by owner-occupied homes ÷ their total value, as reported by owners to the Census Bureau. It is not a millage rate. Your bill depends on your assessed value, exemptions (such as homestead) and local levies.