June 13, 2024
Decatur Tax Blog median property tax rate

Understanding the Basics of Georgia Property Tax

When it comes to owning property in Georgia, one of the essential things to understand is the property tax system. Property tax is a significant source of revenue for the state, and it’s essential for homeowners to be aware of how it works and how it affects them financially.

Georgia property tax is based on the assessed value of your property, which is determined by the county tax assessor. The assessor considers factors such as the size of your property, its location, and any improvements you have made. This assessed value is then multiplied by the millage rate, which varies from county to county.

Homestead Exemption: A Boon for Georgia Homeowners

One of the significant benefits for Georgia homeowners is the homestead exemption. This exemption allows homeowners to reduce the assessed value of their primary residence by a certain amount, reducing their property tax liability. The amount of the exemption varies by county, so it’s essential to check with your local tax office to determine what you may be eligible for.

To qualify for the homestead exemption, you must be a Georgia resident and occupy the property as your primary residence. It’s important to file for this exemption with your county tax office within the specified timeframe, usually between January 1st and April 1st of each year.

Factors That Impact Georgia Property Tax

Several factors can influence the amount of property tax you pay in Georgia. Firstly, the millage rate set by each county plays a significant role. The millage rate can vary based on factors such as the county’s budgetary needs and the services provided to residents.

The assessed value of your property is another critical factor. This value can increase or decrease over time, depending on changes in the real estate market or any improvements you make to your property. It’s important to keep track of any changes and review your property tax assessment annually to ensure it is accurate.

Appealing Your Property Tax Assessment

If you believe that your property tax assessment is too high, you have the right to appeal the decision. You can provide evidence to the county tax assessor to support your claim, such as recent comparable sales in your area or evidence of structural issues with your property. It’s important to familiarize yourself with the appeal process and the deadlines to ensure you don’t miss any opportunities to lower your property tax burden.

Property Tax Payment and Due Dates

In Georgia, property tax bills are typically mailed out in the fall, with payment due by December 20th. It’s important to pay your property taxes on time to avoid penalties and interest charges. Many counties offer various payment options, including online payment, in-person payment, or setting up an escrow account with your mortgage lender.

If you’re unable to pay your property taxes in full by the due date, some counties offer installment payment plans. These plans allow you to spread out your payments over several months, making it more manageable to meet your tax obligations.

Penalties for Late Payment

Failure to pay your property taxes on time can result in penalties and interest charges. The penalties can range from a percentage of the unpaid tax to the placement of a tax lien on your property. It’s crucial to prioritize your property tax payments to avoid these additional financial burdens.


Understanding Georgia property tax is vital for all homeowners in the state. By familiarizing yourself with the basics, taking advantage of the homestead exemption, and staying on top of your assessment, you can ensure that you’re not paying more than your fair share of property taxes. Remember to pay your taxes on time and explore options for appealing your assessment if you believe it to be inaccurate. By doing so, you can navigate the property tax system with confidence and peace of mind.