Estimate your Okaloosa County property tax with homestead exemptions, by city — and your savings if Amendment 3 passes.
School taxes are 5.38 mills everywhere in Okaloosa County. County-wide levies add 3.85 mills; cities and unincorporated areas add their own.
| Area | Non-school mills | School mills | Total mills |
|---|---|---|---|
| Unincorporated Okaloosa County (average) | 3.98 | 5.38 | 9.36 |
| City of Cinco Bayou | 6.85 | 5.38 | 12.23 |
| City of Crestview | 10.50 | 5.38 | 15.88 |
| City of Destin | 5.47 | 5.38 | 10.84 |
| City of Fort Walton Beach | 8.18 | 5.38 | 13.56 |
| City of Laurel Hill | 7.35 | 5.38 | 12.73 |
| City of Mary Esther | 8.88 | 5.38 | 14.25 |
| City of Niceville | 8.35 | 5.38 | 13.73 |
| City of Shalimar | 6.05 | 5.38 | 11.43 |
| City of Valparaiso | 9.50 | 5.38 | 14.88 |
One mill = $1 per $1,000 of taxable value. Rates are 2025 levies from the Florida Department of Revenue; some special districts vary inside the county.
Taxable value × millage rate ÷ 1,000. Taxable value is your assessed value minus exemptions. With a homestead, the first $25,000 is exempt from all taxes and an additional exemption (up to $26,411 in 2026) applies to assessed value above $50,000 for non-school taxes.
It uses the 2025 tax rates published by the Florida Department of Revenue for each county and city. Some local special districts and MSTUs vary inside a county, so your real bill can differ by a few percent. Your TRIM notice is the official number.