Collier County property taxes
Collier County — Naples, Marco Island and the western Everglades — pairs one of Florida's LOWEST average total millages with some of its highest home values, which is why bills here can still run large at a low rate. It is also a BUYER-pays county for the owner's title policy by local custom. County record searches run through the county's own portal — the lookup tool links you straight to the official pages.
The 2025 numbers
Collier County's average total millage on the 2025 certified roll is 9.8185 mills — about $9.82 for every $1,000 of taxable value — the 65th-highest countywide average of Florida's 67 counties (how all 67 compare in the 2025 data study). It splits like this:
| Levy group | Mills | What it funds |
|---|---|---|
| School district | 4.249 | School board operating and debt levies — the portion the additional homestead exemption does not reduce |
| Non-school | 5.5695 | County commission, municipal, water management, independent and special districts |
| Average total | 9.8185 | Taxable-value-weighted countywide average, Florida DOR "Millage and Taxes Levied Report," 2025 roll |
A countywide average is a planning number, not your bill: the parcel's own districts set its millage (the city table below shows the spread), and non-ad-valorem assessments (fire, solid waste, CDD) come on top. On the 2025 tax roll they came to about $120.1 million here — $326 per parcel, against $597 statewide (see the 2025 non-ad valorem study).
2025 rate decisions. The county commission set its 2025 operating rate at 3.0107 mills (2024: 3.0107), above its rolled-back rate of 2.8564, so under Florida law it was a tax increase. The 2025 millage study lists all 9 county, city and district operating rates in Collier County on the state's report, and the vote each one took.
Naples, Marco Island and Collier County tax rates (2025)
Actual 2025 rates by city, from the Collier County 2025 final millage rates, as filed with the Florida Department of Revenue.
| Area | City millage (or fire district) | Total millage | Tax per $100,000 taxable |
|---|---|---|---|
| Naples | 1.2300 | 9.0514 to 9.5514 | $905 to $955 |
| Marco Island | 1.2670 | 8.9535 to 10.6884 | $895 to $1,069 |
| Everglades City | 6.6558 + 4.0000 Ochopee fire | 18.3423 | $1,834 |
| Unincorporated, Greater Naples Fire | 0.6844 MSTD + 2.0000 fire | 10.3709 to 13.6162 | $1,037 to $1,362 |
| Unincorporated, North Collier Fire | 0.6844 MSTD + fire | 9.3709 to 13.2558 | $937 to $1,326 |
| Unincorporated, Immokalee Fire | 0.6844 MSTD + 3.7500 fire | 12.1209 to 14.3583 | $1,212 to $1,436 |
Totals in this table run from 8.9535 mills (Marco Island) to 18.3423 mills (Everglades City): on $100,000 of taxable value, location alone moves the bill by about $939 a year.
Collier has some of the lowest property tax rates in Florida. Every parcel pays the county's 3.0107 general fund, 4.2490 for the school board, the South Florida Water Management District and Big Cypress Basin levies, and the Conservation Collier and water-pollution programs — 7.6865 mills in all. Naples and Marco Island add just over one mill of their own. Unincorporated parcels add the county's 0.6844 MSTD and a fire district, and many sit in beautification, lighting or drainage units that account for the upper ends of each range. Everglades City has the highest total.
Trash pickup. In Collier County, homes outside city limits get garbage service this way: county contract or franchise hauler. Cities run their own service. Check the official page, or compare every county in the trash pickup study. Look up a home’s pickup day by address.
Fire and trash fees. On Collier County's 2025 tax roll, there were no fire assessments and solid-waste assessments came to about $106 per parcel (statewide: $172). The 2025 fire and trash fee study compares all 67 counties.
Amendment 3 here. The state's Revenue Estimating Conference puts the cut to Collier County's local governments at $203 million a year once Amendment 3 is fully in effect ($73 million in its first year), out of about $11.83 billion statewide. A homestead assessed at $300,000 would save about $1,106 a year here from 2028, at the county's average non-school rate. The Amendment 3 by county study shows what it would cut for every city and county government.
What that means in dollars
Engine-computed examples at Collier County's average millage, using the school/non-school split above:
| Scenario | Estimated annual tax |
|---|---|
| $300,000 assessed value, homestead (both exemptions) | ≈ $2,552.99 |
| $500,000 assessed value, homestead (both exemptions) | ≈ $4,516.69 |
| $300,000 assessed value, no homestead (investment or second home) | ≈ $2,945.55 |
Homestead rows apply only the $25,000 exemption (§196.031(1)(a)) and the additional exemption up to $26,411 on non-school levies (§196.031(1)(b), 2026 CPI-indexed). Other programs stack on top; the buyer estimator models all eleven.
Buying in Collier County? The listing's bill is not your bill
At sale the assessment resets to market (§193.155), so your first Collier County bill tracks your price, not the seller's (the reset question below has the county's gap in dollars). Run the buyer estimator with Collier County pre-selected; moving a Florida homestead? The portability calculator computes what carries over.
USDA income limits in Collier County
USDA's guaranteed home loan caps household income by county. In Collier County the limit is $139,150 for households of 1 to 4 and $183,700 for 5 to 8, counting everyone who will live in the home after small deductions (USDA's income worksheet, October 2026). That is above the $122,800 most Florida counties share, because the area's incomes run higher. The home also has to be in an eligible area: the USDA eligibility lookup checks an address and runs the income check. Other counties: all 67 USDA limits.
Key Collier County property tax dates
Set by state law, so identical statewide:
- Pay early, pay less: the 2026 bill is 4 percent off through November, stepping down each month until it is due by March 31 (the exact dates).
- Homestead exemption: live there on January 1 and file with the Collier County Property Appraiser by March 1 (what it saves).
- Value appeals: 25 days from the mailing date on your August TRIM notice (make a reminder for your deadline).
Add the 2026 tax discount dates to your calendar Add the 2027 homestead dates
Nearby counties
- Broward County property taxes — 19.8638 mills average
- Miami-Dade County property taxes — 18.4893 mills average
- Hendry County property taxes — 17.1732 mills average
- Lee County property taxes — 13.9967 mills average
- Monroe County property taxes — 8.2361 mills average
Related reading
Your TRIM notice, explained · Amendment 3, explained · Homestead exemption calculator · Pay early, keep 4 percent
Buying here? Estimate your closing costs
Title insurance calculator · Documentary stamp (deed tax) calculator · Full closing cost worksheet · Seller net sheet
Look up an actual Collier County record
Search any Collier County address in the property-tax lookup, or go straight to the county's own offices:
- Property Appraiser: www.collierappraiser.com
- Tax Collector: www.colliertax.com
Estimates on this page are planning figures from official DOR millage data — never a bill, never tax advice. The county's TRIM notice and tax bill control.
Quick answers
How much is property tax in Collier County?
Collier County's average total millage is about 9.82 mills — the 65th-highest of Florida's 67 counties. On a $300,000 assessed home that computes to roughly $2,553 a year with the homestead exemption, or about $2,946 without it. Collier County — Naples, Marco Island and the western Everglades — pairs one of Florida's LOWEST average total millages with some of its highest home values, which is why bills here can still run large at a low rate. It is also a BUYER-pays county for the owner's title policy by local custom. County record searches run through the county's own portal — the lookup tool links you straight to the official pages.
Where do I pay my Collier County property tax bill?
Collier County property tax bills are issued and collected by the county Tax Collector (www.colliertax.com). The county Property Appraiser (www.collierappraiser.com) keeps the certified value record behind it; the property-tax lookup here finds both for any Collier County address.
Will buying a home reset my property taxes in Collier County?
Yes — Florida assessed values reset to market value at sale (Fla. Stat. §193.155), so the seller's Save Our Homes cap ends at closing and your first full Collier County bill is computed from what you paid, not what the seller paid. The gap is visible in this county's own numbers: the same $300,000 home computes to about $2,946 without homestead protections versus $2,553 with them. Non-homestead property carries its own separate 10 percent assessment cap (Fla. Stat. §193.1554), which also does not transfer.
Who pays for title insurance in Collier County?
In Collier County, local custom puts the owner's title-insurance premium on the buyer's side of the closing statement — the opposite of most Florida counties, where the seller customarily pays. It is custom, not law; the contract controls.
What is the USDA income limit in Collier County?
For a USDA guaranteed loan in Collier County, household income must be under $139,150 for 1 to 4 people or $183,700 for 5 to 8, counting everyone who will live in the home after small deductions. The home must also be in a USDA eligible area; the USDA eligibility lookup checks both.
What is the property tax rate in Naples?
The City of Naples' 2025 total property tax rate is 9.0514 mills for most parcels (up to 9.5514 in its bay districts), per Collier County's 2025 final millage filing — about $905 for every $100,000 of taxable value. That includes the city's own 1.2300 mills.
Data verified as of October 2026.