Georgia Property Tax Calculator
2026Calculate property taxes in Georgia. The average effective property tax rate in GA is 0.87%, which is below the national average of 1.1%. Estimate your annual property tax bill.
Written and reviewed by Konstantin Iakovlev · Methodology · Updated
Annual Property Tax
$3,045.00
Monthly Equivalent
$253.75
Effective Rate
0.870%
Property Tax Breakdown
| Assessed Value | $350,000.00 |
| Homestead Exemption | $0.00 |
| Taxable Value | $350,000.00 |
| Annual Tax | $3,045.00 |
| Monthly Equivalent | $253.75 |
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How is property tax calculated in Georgia?
Georgia's average effective property tax rate is 0.87% of assessed value (2026), in the moderate range. Property tax is administered by counties and municipalities — the state sets a framework, but local taxing authorities (school districts, county boards, special-service districts, fire/police districts) levy their own millage rates that stack onto the bill.
Your tax bill is the assessed value times the combined millage rate (1 mill = $1 per $1,000 of assessed value). Many jurisdictions assess at less than 100% of market value (e.g., 80% or 50%), so the effective rate on market value can be much lower than the headline millage. Common reductions include homestead exemptions (primary residence discount), senior or disabled-person freezes, veteran exemptions, and farm/agricultural use deferrals — these can cut a primary-residence bill by 10–50% in many states.
Most jurisdictions reassess property values every 1–4 years; rapid market gains can produce large bill jumps unless capped by state law (e.g., California's Proposition 13 limits annual increases to 2% on a primary residence; Texas caps homesteads at 10%/yr). Property tax is deductible federally as part of the SALT itemized deduction, capped at a combined $40,000 in 2026 under OBBBA (raised from $10,000), with a 30% phase-down on MAGI above $500,000 (floor $10,000). Use this calculator to estimate your annual bill and monthly escrow contribution.
Georgia property assessment, homestead exemption, and appeal process
- Assessment ratio
- 40% of fair-market value (statutory uniform)
- Median home price (Q4 2025)
- $350,000
- Homestead exemption
- $2,000 standard (state); local can add $4,000+; senior 65+ exempt up to $4,000 of state portion
Georgia uses a 40% statutory assessment ratio applied uniformly across all classes of real property, multiplied by the local millage rate (often 25–45 mills). Effective rates average ~0.92% statewide. The standard homestead exemption is $2,000 from county and school taxes plus a $5,000 exemption from state taxes — but counties layer their own ($4K to $50K+ in some metro counties). Seniors 65+ in many counties get full school-tax homestead exemption. Appeals are filed with the County Board of Tax Assessors within 45 days of the assessment notice.
Georgia Property Tax Details (2026)
| Avg. Effective Property Tax Rate | 0.87% |
| National Average | 1.1% |
| vs. National Average | 0.23% below |
| Estate Tax | None |
| State Sales Tax | 4% |
| State Income Tax | 5.39% (flat) |
Georgia property tax — frequently asked questions
How is Georgia property tax calculated?
Georgia uses a 40% statutory assessment ratio applied uniformly to all property classes, multiplied by the local millage rate (typically 25-45 mills). Effective rates statewide average ~0.92%. The standard Georgia homestead exemption is $2,000 from county and school taxes plus a $5,000 exemption from state taxes — but counties layer their own (some metro counties offer $4K-$50K+ exemptions). Seniors 65+ in many counties get a full school-tax homestead exemption.
What is Georgia's Title Ad Valorem Tax (TAVT)?
TAVT replaced the annual "birthday tax" on vehicles (purchased March 1, 2013 or later) with a one-time 7% tax on the vehicle's fair market value at first titling. Vehicles purchased before March 2013 still pay annual ad valorem property tax. TAVT is paid at registration; rate has been 7% since 2014. Some counties offer Senior Homestead Property Tax exemptions on vehicles for those 65+ with income limits.
When are Georgia property tax bills due?
Georgia property tax bills are typically issued by the county tax commissioner in October-November and due by mid-December (varies by county; some have Dec 1 due dates, others Dec 20 or Dec 31). Most counties offer split payment (October + March). Delinquency triggers a 1% monthly interest rate + 10% penalty. Tax sales of delinquent properties are conducted in spring/summer.
How do I appeal my Georgia property tax assessment?
Appeals are filed with the County Board of Tax Assessors within 45 days of receiving the Annual Notice of Assessment (typically issued April-June). The appeal can challenge the appraised value (using comparable sales) or claim an exemption. Unresolved appeals proceed to the Board of Equalization (BOE), then to Superior Court. Georgia uses a "Sales Validity Test" — the price you actually paid for your home is presumed correct unless evidence shows otherwise.