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County Home Costs

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:

Lowest-rate county

$574/yr

Fannin County at 0.33%

Highest-rate county

$2,632/yr

Stewart County at 1.53%

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.

CountyRate
Fannin County0.33%
Towns County0.34%
Gilmer County0.35%
Union County0.52%
Rabun County0.56%

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.

CountyRate
Stewart County1.53%
Dougherty County1.32%
Mitchell County1.32%
Taliaferro County1.31%
Clinch County1.31%

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 byRateOn $172,350
Buyer0.00%$0
Seller0.10%$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 calculator

Georgia property tax exemptions

Ways buyers in Georgia may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.

Homestead

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

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 →
Veteran

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 →
Assessment Cap

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.

CountyRate
Appling County0.94%
Atkinson County0.79%
Bacon County1.13%
Baker County0.86%
Baldwin County0.70%
Banks County0.60%
Barrow County0.78%
Bartow County0.70%
Ben Hill County1.07%
Berrien County0.86%
Bibb County1.03%
Bleckley County0.95%
Brantley County1.19%
Brooks County1.14%
Bryan County0.78%
Bulloch County0.76%
Burke County0.68%
Butts County0.82%
Calhoun County1.11%
Camden County0.88%
Candler County1.08%
Carroll County0.61%
Catoosa County0.65%
Charlton County0.76%
Chatham County0.84%
Chattahoochee County0.83%
Chattooga County0.88%
Cherokee County0.69%
Clarke County0.87%
Clay County0.99%
Clayton County0.87%
Clinch County1.31%
Cobb County0.67%
Coffee County0.76%
Colquitt County0.83%
Columbia County0.82%
Cook County0.78%
Coweta County0.73%
Crawford County0.87%
Crisp County1.08%
Dade County0.57%
Dawson County0.60%
Decatur County0.95%
DeKalb County0.92%
Dodge County0.87%
Dooly County1.27%
Dougherty County1.32%
Douglas County0.74%
Early County0.82%
Echols County0.91%
Effingham County0.90%
Elbert County0.91%
Emanuel County0.93%
Evans County1.02%
Fannin County0.33%
Fayette County0.75%
Floyd County0.85%
Forsyth County0.73%
Franklin County0.72%
Fulton County0.88%
Gilmer County0.35%
Glascock County1.03%
Glynn County0.57%
Gordon County0.69%
Grady County0.91%
Greene County0.61%
Gwinnett County0.95%
Habersham County0.59%
Hall County0.73%
Hancock County1.09%
Haralson County0.80%
Harris County0.85%
Hart County0.56%
Heard County0.56%
Henry County0.87%
Houston County0.83%
Irwin County1.07%
Jackson County0.87%
Jasper County0.80%
Jeff Davis County0.92%
Jefferson County0.96%
Jenkins County0.86%
Johnson County0.94%
Jones County0.97%
Lamar County0.86%
Lanier County1.00%
Laurens County0.66%
Lee County0.97%
Liberty County1.04%
Lincoln County0.99%
Long County0.87%
Lowndes County0.81%
Lumpkin County0.65%
Macon County0.98%
Madison County0.76%
Marion County0.71%
McDuffie County0.82%
McIntosh County0.80%
Meriwether County0.86%
Miller County1.29%
Mitchell County1.32%
Monroe County0.69%
Montgomery County1.04%
Morgan County0.71%
Murray County0.68%
Muscogee County0.86%
Newton County0.89%
Oconee County0.70%
Oglethorpe County0.75%
Paulding County0.80%
Peach County1.02%
Pickens County0.60%
Pierce County0.83%
Pike County0.87%
Polk County0.75%
Pulaski County0.93%
Putnam County0.68%
Rabun County0.56%
Randolph County1.07%
Richmond County0.84%
Rockdale County0.71%
Schley County0.90%
Screven County1.22%
Seminole County1.22%
Spalding County0.94%
Stephens County0.81%
Stewart County1.53%
Sumter County1.25%
Talbot County1.16%
Taliaferro County1.31%
Tattnall County0.90%
Taylor County0.96%
Telfair County1.12%
Terrell County1.04%
Thomas County0.78%
Tift County0.86%
Toombs County0.90%
Towns County0.34%
Treutlen County0.71%
Troup County0.93%
Turner County1.05%
Twiggs County0.73%
Union County0.52%
Upson County0.85%
Walker County0.75%
Walton County0.76%
Ware County0.96%
Warren County1.09%
Washington County1.00%
Wayne County0.78%
Webster County1.12%
Wheeler County0.63%
White County0.65%
Whitfield County0.64%
Wilcox County0.91%
Wilkes County1.05%
Wilkinson County0.90%
Worth County1.13%

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.