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Updated 2025 Tax Year

Calhoun County
Property Tax Guide

Everything you need to know about property taxes in Calhoun County, AL. Rates, due dates, exemptions, and how it affects your monthly payment.

9 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by location within county due to special taxing districts and municipal boundaries
Exemptions
5+ Available
Section 1

How Property Tax Works

Calhoun County, Alabama operates a property tax system that serves as a primary funding source for essential county services including public safety, general government operations, and infrastructure maintenance. Property taxes in Calhoun County are assessed on real property with rates that can vary significantly depending on your specific location within the county due to additional special taxing districts and municipal boundaries.

The county utilizes Alabama's property classification system, with residential properties typically falling under Class II real property. Beginning with the 2025 tax year, Calhoun County has implemented important protections for property owners, capping annual increases to assessed values of Class II and Class III real property at seven percent per year. The county's base millage rate is 32.5 mills, though your total effective rate will depend on additional assessments from school districts, municipal taxes, and other special taxing districts within your specific area. Property owners should expect effective tax rates that may vary considerably based on their precise location within Calhoun County's boundaries.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General32.5 millsBase Calhoun County millage rate for FY 2025
School DistrictVariesAdditional millage varies by school district boundaries
MunicipalVariesCity/town taxes where applicable
Special DistrictsVariesFire districts, library districts, other special assessments
Total Effective RateVaries by LocationCombined rate depends on specific property location

Note: The rates shown apply to the 2025 tax year. One mill equals $1 per $1,000 of assessed value. Your actual tax rate depends on which special taxing districts serve your property location. Contact the Calhoun County Revenue Commissioner for your specific total millage rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Calhoun County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Calhoun County are additional property tax assessments that occur when there are changes to property ownership, new construction, or improvements made to existing properties during the tax year. These supplemental assessments ensure that property taxes are properly allocated based on current ownership and property values rather than waiting for the next regular assessment cycle.

Supplemental taxes are calculated by applying the current millage rate to any increase in assessed value that occurs mid-year. For example, if you purchase a home in March that was previously assessed at a lower value, or if you complete a major home renovation that increases your property's assessed value, you may receive a supplemental tax bill for the remaining months of the tax year. The supplemental amount would be prorated based on the number of months remaining in the current tax year from the date of the change.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (Class II): $30,000 (10% assessment ratio)
  • Less: Homestead Exemption: $4,000 (if applicable, requires application)
  • Net Taxable Value: $26,000
  • Annual Tax (32.5 mills + districts ≈ 45 mills): $1,170
  • Monthly Escrow: $98

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (Class II): $60,000 (10% assessment ratio)
  • Less: Homestead Exemption: $4,000 (if applicable, requires application)
  • Net Taxable Value: $56,000
  • Annual Tax (32.5 mills + districts ≈ 45 mills): $2,520
  • Monthly Escrow: $210

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (Class II): $100,000 (10% assessment ratio)
  • Less: Homestead Exemption: $4,000 (if applicable, requires application)
  • Net Taxable Value: $96,000
  • Annual Tax (32.5 mills + districts ≈ 45 mills): $4,320
  • Monthly Escrow: $360

Note: Examples assume average combined millage rates. Actual rates vary by location within Calhoun County. Homestead exemption requires annual application and is not automatic.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Calhoun County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders may require escrow regardless of down payment amount. Your lender collects monthly property tax payments along with your mortgage payment and holds these funds in an escrow account to pay your annual property tax bill when due.

Property taxes in Calhoun County are due October 1st each year and can be paid without penalty through December 31st. Lenders typically pay property tax bills in October or November to avoid any potential penalties. Your lender will provide an annual escrow analysis showing how your monthly escrow payment is calculated based on your previous year's tax bill and any anticipated changes. If your property taxes increase significantly due to reassessment or millage rate changes, your lender may require an increase in your monthly escrow payment or may spread any shortage over 12 months. Property owners should verify that their lender has paid property taxes on time, as the property owner remains ultimately responsible for ensuring taxes are paid even when using an escrow account.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Calhoun County for the current fiscal year? A: Property taxes are due October 1st annually and can be paid without penalty through December 31st. Taxes become delinquent after December 31st with penalties and interest applied.

Q: What tax credits are available and do I need to apply? A: The primary credit available is the Regular Homestead Exemption of $4,000 for owner-occupied single-family properties. This credit requires application and is NOT automatic. Contact the Calhoun County Assessor's office for applications and deadlines.

Q: How does the Homestead exemption work? A: The Regular Homestead Exemption provides a $4,000 reduction in assessed value for qualifying owner-occupied properties. Additionally, beginning in 2025, homestead properties benefit from a cap limiting annual assessment increases to 7% per year. You must apply for this exemption - it is not automatically granted.

Q: How often are properties reassessed? A: Alabama law requires property assessments every four years, though Calhoun County may conduct assessments more frequently. Property owners receive notice of assessment changes and have appeal rights through the County Board of Equalization.

Q: What are the penalties for late payment? A: Properties become delinquent after December 31st. Late payments incur penalties and interest charges, and prolonged delinquency can result in tax sale proceedings.

Q: Can I pay property taxes online? A: Contact the Calhoun County Revenue Commissioner's office to inquire about online payment options and accepted payment methods for current tax year obligations.

Q: Why did my tax bill change if my property value stayed the same? A: Tax bills can change due to millage rate adjustments by the county, school districts, or special taxing districts, even if your assessed value remains constant. Special district taxes vary by location within the county.

Q: How do special district taxes affect my bill? A: Your total property tax includes county taxes plus additional assessments from your school district, any municipal taxes if you live within city limits, and special districts like fire or library districts. These vary significantly by location within Calhoun County.

Q: What if I disagree with my property assessment? A: Property owners may appeal assessments to the Calhoun County Board of Equalization. Appeals must be filed within specific timeframes after receiving assessment notices. Contact the County Assessor's office for appeal procedures and deadlines.

Q: Do I need to reapply for exemptions annually? A: Most exemptions, including the Homestead Exemption, require initial application but may not need annual renewal once approved. However, you should verify your exemption status with the Assessor's office and notify them of any changes that might affect eligibility.

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