Georgia · Property Tax & Closing Costs
Georgia property tax by county
Property tax rates, median home values, and closing cost estimates for all 158 counties in Georgia. The average effective rate across the state is 0.87%, ranking Georgia 22 of 51. Data is sourced from the US Census Bureau American Community Survey 2024 5-year estimates.
Average rate
0.87%
across 158 counties
National rank
#22
of 51, highest rate first
Median home value
$172,350
county median in state
Rate range
0.33%–1.53%
Fannin County → Stewart County
Same home, different county
On a $172,350 home (the typical county median in Georgia), the annual property tax bill depends heavily on where you buy:
Difference
$2,058/yr
$171/mo · $20,579 over 10 years
Estimate: purchase price × each county's effective rate. Actual bills depend on assessed value, local levies, and exemptions.
Lowest property tax rates in Georgia
The five Georgia counties with the lowest effective property tax rates, useful for buyers comparing total cost of ownership across the state.
| County | Rate |
|---|---|
| Fannin County | 0.33% |
| Towns County | 0.34% |
| Gilmer County | 0.35% |
| Union County | 0.52% |
| Rabun County | 0.56% |
Highest property tax rates in Georgia
The five Georgiacounties with the highest effective property tax rates. High rates often reflect strong school district funding or municipal services rather than weakness, but they materially change a buyer's monthly carrying cost.
| County | Rate |
|---|---|
| Stewart County | 1.53% |
| Dougherty County | 1.32% |
| Mitchell County | 1.32% |
| Taliaferro County | 1.31% |
| Clinch County | 1.31% |
Georgia real estate transfer tax
Georgia charges a combined transfer tax of about 0.10% of the purchase price. On a $172,350 home, that is roughly $172 in total.
| Paid by | Rate | On $172,350 |
|---|---|---|
| Buyer | 0.00% | $0 |
| Seller | 0.10% | $172 |
Real Estate Transfer Tax is $1.00 first $1,000 + $0.10/$100 above (effectively 0.1%), seller pays by custom. Buyers with mortgages ≥62 months also pay Intangible Recording Tax of $1.50/$500 (0.3%) on loan amount (not purchase price), max $25,000 per note. Shorter-term loans exempt as of July 2025.
Georgia is an attorney-closing state: expect a real estate attorney fee of roughly $600–$1,500 at closing.
Official Georgia source → · Verified April 2026
Closing costs in Georgia
Across Georgia's 158 counties, buyer closing costs run $3,211 to $13,389 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $16,257 to $123,469. Pick your county for your own figures.
Georgia closing cost calculatorGeorgia property tax exemptions
Ways buyers in Georgia may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
Standard Homestead Exemption
$2,000 off the 40% assessed value of an owner-occupied primary residence for county and school taxes. Many counties layer larger local exemptions on top.
View official source →Senior Homestead Exemption
Owners 65+ with net income under $10,000 may claim an additional $4,000 county exemption. Many counties provide substantially larger local senior exemptions, often including full school-tax exemptions.
View official source →Disabled Veteran Homestead Exemption
$126,526 statewide homestead exemption (for 2026, indexed annually to federal VA levels) for veterans with 100% service-connected disability and their unremarried surviving spouses.
View official source →HB 581 Floating Homestead Exemption
From 2025, homestead assessed value may rise only by inflation, measured from the year before the owner first claims the exemption, so a buyer starts from the current assessed value. Counties, cities and school districts could opt out by March 1, 2025.
View official source →Last verified April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.
All 158 counties in Georgia
Effective property tax rate, median home value, and median annual taxes paid for every county in Georgia. Click a county to open its full property tax calculator and closing cost breakdown.
Source: US Census Bureau American Community Survey 2024 5-year estimates, tables B25077 (median home value) and B25103 (median real estate taxes paid). Effective rate is computed as median taxes paid divided by median home value at the county level and represents the typical owner-occupied home. Actual bills vary by purchase price, exemptions, and special assessments.