Property Tax in Georgia (2026): Rates, Exemptions, and Real Numbers

Georgia Property Tax Rates by County

Highest and lowest effective rates within Georgia

Property Tax Calculator — Georgia

Pre-loaded with Georgia's 0.79% effective rate and $319,330 median price

Property Tax by City in Georgia

Annual and monthly property tax by city, based on local median prices and the statewide effective rate

Georgia Homestead Exemption

How Georgia Assesses Property Values

Assessment cycle: Annual — properties assessed as of January 1 each year at 40% of fair market value

Property Tax's Impact on Your True Monthly Cost

On a $319,330 home in Georgia

Property tax represents 8% of the true monthly cost in Georgia.

Mortgage Calculator Including Property Tax — Georgia

See your full PITI (principal, interest, taxes, insurance) payment

How Georgia's Property Tax Affects Affordability

$210/month in property tax reduces the home price you can afford. Use the affordability calculator to see the real impact.

Property Tax After Refinancing in Georgia

Refinancing changes your P&I but not your property tax. If your home was reassessed at a higher value, your tax bill increases regardless of your rate.

Frequently Asked Questions

What is the property tax rate in Georgia?

Georgia's effective property tax rate is 0.79%, ranking #34 nationally. The median annual property tax bill is $2,523 ($210/month). Rates range from 0.51% in Warren County to 1.08% in Fulton County. Source: Tax Foundation Property Taxes by State 2024.

Does Georgia have a homestead exemption?

Yes — Georgia offers a homestead exemption for primary residences. Standard $2,000 exemption off assessed value (assessed at 40% of FMV). HB 581 (effective 2025) adds a floating homestead exemption capping annual taxable assessed value increases at the CPI inflation rate for qualifying homesteads.. Apply through your county assessor's office after purchasing your home.

How often is property reassessed in Georgia?

Georgia reassesses property on a annual — properties assessed as of january 1 each year at 40% of fair market value basis. When your property is reassessed, your tax bill changes based on the new assessed value multiplied by the applicable rate. If you believe your assessment is too high, you can appeal — most counties allow 30-90 days after receiving your assessment notice.

How is property tax calculated in Georgia?

Property tax = Assessed Value × Mill Rate (or effective rate). In Georgia, the effective rate is 0.79% of market value. On a $319,330 home: $319,330 × 0.79% = $2,523/year. Assessments may use a fraction of market value — the effective rate accounts for this.

Can I appeal my property tax assessment in Georgia?

Yes. If your assessed value is higher than comparable sales in your area, you can file an appeal with your county assessment board. Steps: (1) Get your assessment notice, (2) Research comparable recent sales, (3) File an appeal by the deadline (typically 30-90 days from assessment notice). Studies show 20-40% of appeals result in a reduction. The process is free and you represent yourself — no attorney required.

Are property taxes included in my mortgage payment in Georgia?

Most lenders require an escrow account that collects $210/month ($2,523/year ÷ 12) along with your mortgage payment, then pays the county on your behalf. If your loan-to-value is below 80%, you may be able to opt out of escrow and pay taxes directly. Note: if your assessed value rises, your escrow payment adjusts and your total monthly cost increases.

What Georgia counties have the highest and lowest property taxes?

Georgia's highest effective rate is in Fulton County at 1.08%. The lowest is Warren County at 0.51%. That's a 0.57% spread — on a $319,330 home, the difference is $1,820/year.