32564 Property Tax Rate
Holt, Florida · Part of Santa Rosa County
Effective Tax Rate
0.68%
68.3% below state avgMedian Annual Tax
$839
$70/mo escrow
Estimate Your Tax
Annual Tax
$839
Monthly
$70
Eff. Rate
0.68%
Buyer decision brief
What ZIP 32564 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
$70/mo
Based on median annual tax paid
State context
0.09 percentage points below the Florida average
Florida average: 0.76%
Data confidence
Use cautionThe Census margin of error is $416, about 50% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Santa Rosa 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 32564 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
High margin of error
$416 tax MOE, 50% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Santa Rosa County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 32564
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 $123,700, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.68%, 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 $70 per month before insurance, HOA dues, or special assessments.
Assessor verification
Santa Rosa County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 32564 Compares
Median Annual Property Tax
ZIP 32564
0.68%
Effective rate
Florida Avg
0.76%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Florida
Lower than 68% of ZIP codes in Florida(32th percentile, 928 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 32564
Property owners in ZIP code 32564 (Holt, Florida) pay a median of $839/year in property taxes on homes valued at $123,700. This translates to an effective tax rate of 0.68%, which is 11% below the Florida state average of 0.76%.
The monthly property tax burden for a median-valued home in 32564 is approximately $70, which factors into escrow payments on mortgages. This ZIP code is located within Santa Rosa County. This is $1,806 less than the Florida average of $2,645/year.
Compared to similar ZIP codes in Florida, 32564 has lower property taxes. ZIP codes with similar effective rates include 33051 (0.68%) and 32792 (0.68%).
In Holt, property taxes represent approximately 1.2% of the median household income of $68,170, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 32564, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Santa Rosa County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 32564?
How much are property taxes in Holt, FL (32564)?
How does ZIP 32564 compare to the Florida average?
What is the median home value in ZIP 32564?
What county is ZIP code 32564 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$416. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 32564 is part of Santa Rosa County, Florida. View the full county profile for broader context and more data.
View Santa Rosa County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 32564
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
32583
Milton, FL
0.14 percentage points lower than ZIP 32564.
Rate
0.54%
Tax
$1,230
Quality
89
32570
Milton, FL
0.11 percentage points lower than ZIP 32564.
Rate
0.57%
Tax
$1,367
Quality
89
32565
Jay, FL
0.11 percentage points lower than ZIP 32564.
Rate
0.57%
Tax
$1,223
Quality
82
32571
Milton, FL
0.06 percentage points lower than ZIP 32564.
Rate
0.62%
Tax
$1,745
Quality
89
32566
Navarre, FL
0.05 percentage points lower than ZIP 32564.
Rate
0.63%
Tax
$2,277
Quality
82
32563
Gulf Breeze, FL
0.01 percentage points lower than ZIP 32564.
Rate
0.67%
Tax
$2,430
Quality
89
33109
Miami Beach, FL
0.18 percentage points lower than ZIP 32564.
Rate
0.50%
Tax
$10,001
Quality
82
33921
Boca Grande, FL
0.18 percentage points lower than ZIP 32564.
Rate
0.50%
Tax
$10,001
Quality
68
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.