32539 Property Tax Rate
Crestview, Florida · Part of Okaloosa County
Effective Tax Rate
0.60%
38.6% below state avgMedian Annual Tax
$1,623
$135/mo escrow
Estimate Your Tax
Annual Tax
$1,623
Monthly
$135
Eff. Rate
0.60%
Buyer decision brief
What ZIP 32539 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$135/mo
Based on median annual tax paid
State context
0.17 percentage points below the Florida average
Florida average: 0.76%
Data confidence
High confidenceThe Census margin of error is $92, about 6% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Okaloosa County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 32539 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$92 tax MOE, 6% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Okaloosa County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 32539
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $272,300, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.60%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Florida and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $135 per month before insurance, HOA dues, or special assessments.
Assessor verification
Okaloosa County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 32539 Compares
Median Annual Property Tax
ZIP 32539
0.60%
Effective rate
Florida Avg
0.76%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Florida
Lower than 86% of ZIP codes in Florida(14th percentile, 928 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 32539
Property owners in ZIP code 32539 (Crestview, Florida) pay a median of $1,623/year in property taxes on homes valued at $272,300. This translates to an effective tax rate of 0.60%, which is 22% below the Florida state average of 0.76%.
The monthly property tax burden for a median-valued home in 32539 is approximately $135, which factors into escrow payments on mortgages. This ZIP code is located within Okaloosa County. This is $1,022 less than the Florida average of $2,645/year.
Compared to similar ZIP codes in Florida, 32539 has lower property taxes. ZIP codes with similar effective rates include 32547 (0.60%) and 34102 (0.60%).
In Crestview, property taxes represent approximately 2.2% of the median household income of $72,521, providing context for the relative tax burden on homeowners in this area.
Under Florida's Save Our Homes Act, your homestead property's tax assessment is capped at 3% annual increase or the Consumer Price Index, whichever is lower—but this resets to market value when you purchase, potentially increasing your Okaloosa County tax bill significantly. Okaloosa County offers a $25,000 homestead exemption plus an additional $25,000 exemption for non-school taxes if you qualify—file your homestead application with the Okaloosa County Property Appraiser within 30 days of closing to lock in these savings. Contact the Okaloosa County Property Appraiser's office to confirm your homestead status and verify your assessed value on your first tax notice.
Frequently Asked Questions
What is the property tax rate in ZIP code 32539?
How much are property taxes in Crestview, FL (32539)?
How does ZIP 32539 compare to the Florida average?
What is the median home value in ZIP 32539?
What county is ZIP code 32539 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$92. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 32539 is part of Okaloosa County, Florida. View the full county profile for broader context and more data.
View Okaloosa County on TaxByCounty →Explore Crestview, FL
View all 2 ZIP codes in Crestview with property tax comparisons.
View Crestview Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 32539
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
32531
Baker, FL
0.17 percentage points lower than ZIP 32539.
Rate
0.43%
Tax
$1,250
Quality
84
32567
Laurel Hill, FL
0.16 percentage points lower than ZIP 32539.
Rate
0.43%
Tax
$1,003
Quality
84
32548
Fort Walton Beach, FL
0.01 percentage points lower than ZIP 32539.
Rate
0.59%
Tax
$1,710
Quality
96
32579
Shalimar, FL
0.00 percentage points lower than ZIP 32539.
Rate
0.59%
Tax
$2,558
Quality
89
33109
Miami Beach, FL
0.10 percentage points lower than ZIP 32539.
Rate
0.50%
Tax
$10,001
Quality
82
33921
Boca Grande, FL
0.10 percentage points lower than ZIP 32539.
Rate
0.50%
Tax
$10,001
Quality
68
34102
Naples, FL
$1,149,700 higher median home value than ZIP 32539.
Rate
0.60%
Tax
$8,480
Quality
89
33122
Miami, FL
$1,012,400 higher median home value than ZIP 32539.
Rate
0.78%
Tax
$10,001
Quality
82
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.